Introduction
For homeowners looking to unlock the potential of their property, understanding today’s home equity loan and HELOC rates is crucial. As of August 15, 2025, Citizens Equity First stands out with the lowest HELOC rate starting at an incredibly competitive 2.99%, making it a smart choice for borrowers seeking flexible access to funds for home renovations, education expenses, or debt consolidation. Whether you prefer a variable-rate HELOC or a fixed-rate home equity loan, options like Royal and Indiana Members Credit Unions offer stable rates that have remained steady over the past month, providing predictability in your financial planning. If you’re considering tapping into your home’s value today, knowing which credit unions offer the most favorable terms can help you make confident decisions tailored to your needs.
Home Equity Loans
Credit Union
Product
2025-08-15
(Current Day)
(Current Day)
2025-08-08
(7 Days Ago)
(7 Days Ago)
2025-07-31
(15 Days Ago)
(15 Days Ago)
2025-07-16
(30 Days Ago)
(30 Days Ago)
2025-07-01
(45 Days Ago)
(45 Days Ago)
Citizens Equity First
Heloc
2.990 - 18.000
2.990 - 18.000
2.990 - 18.000
7.500 - 18.000▲ 451 bps
2.990 - 18.000
Royal
Heloc
3.000 - 7.500
3.000 - 7.500
3.000 - 7.500
6.750 - 7.500▲ 375 bps
6.750 - 7.500▲ 375 bps
Indiana Members
Heloc
3.900 - 7.500
3.900 - 7.500
3.900 - 7.500
Indiana Members
Home Equity
7.000 - 8.625
7.000 - 8.625
7.000 - 8.625
Gesa
Heloc
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
Gesa
Home Equity
6.750 - 13.750
6.750 - 13.750
6.880 - 13.880▲ 13 bps
6.880 - 13.880▲ 13 bps
6.880 - 13.880▲ 13 bps
Dupaco Community
Heloc
3.990 - 7.000
3.990 - 7.000
3.990 - 7.000
Dupaco Community
Home Equity
6.990 - 7.490
6.990 - 7.490
6.990 - 7.490
Americu
Heloc
3.990 - 11.000
3.990 - 11.000
3.990 - 11.000
Wescom Central
Heloc
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
Broadview
Heloc
3.990 - 14.900
3.990 - 14.900
3.990 - 14.900
3.990 - 14.900
3.990 - 14.900
Sound
Home Equity
3.990 - 18.000
3.990 - 18.000
3.990 - 18.000
California
Heloc
4.000 - 12.000
4.000 - 12.000
4.000 - 12.000
4.000 - 12.000
Citizens Equity First
As of August 15, 2025, Citizens Equity First HELOC rates remain steady at 2.990% to 18.000% APR, unchanged over the past 30 days except for a significant drop from 7.500% to 2.990% at the low end compared to one month ago. This stability offers homeowners consistent access to flexible credit with competitive pricing. HELOCs may appeal to those needing ongoing borrowing options, while fixed-rate loans (if available) could suit borrowers seeking predictable payments. Monitoring these rates helps homeowners make informed decisions about leveraging home equity effectively.
Royal
As of August 15, 2025, Royal’s HELOC rates remain stable, holding at 3.000% - 7.500% over the past 15 days, with a notable decrease from 6.750% - 7.500% thirty days ago. This suggests improved affordability for flexible borrowing options. Homeowners seeking adaptable access to funds may find the HELOC particularly appealing given its consistent low-end rate of 3.000%. Monitoring these rates can help members optimize borrowing costs while maintaining financial flexibility.
Indiana Members
As of August 15, 2025, Indiana Members rates remain steady with HELOCs at 3.900% - 7.500% and Home Equity Loans at 7.000% - 8.625%, unchanged over the past 15 days. The stable HELOC rates provide flexible borrowing options for homeowners seeking access to funds as needed. Meanwhile, the fixed-rate Home Equity Loans offer predictable payments, appealing to those prioritizing long-term budgeting security. Homeowners should consider their financial goals when choosing between the adaptable HELOC and the consistent payment structure of the Home Equity Loan.
Gesa
As of August 15, 2025, Gesa's HELOC rates remain steady at 3.950% - 18.000%, unchanged over the past 30 days, offering flexible borrowing for homeowners seeking variable access to funds. Meanwhile, Home Equity Loan rates hold firm at 6.750% - 13.750%, with a slight improvement from mid-July’s high of 6.880%. The stable HELOC rates provide attractive options for short-term needs, while the consistent fixed-rate Home Equity Loans suit those prioritizing predictable payments over longer terms. Homeowners should weigh flexibility versus fixed costs when choosing their home equity solution.
Dupaco Community
As of August 15, 2025, Dupaco Community’s HELOC rates remain steady at 3.990% - 7.000%, unchanged over the past 30 days. Similarly, Home Equity Loan rates hold firm between 6.990% - 7.490% with no fluctuations in the last month. For homeowners seeking flexible borrowing, the HELOC offers consistent competitive variable rates ideal for ongoing access to funds. Meanwhile, fixed-rate Home Equity Loans provide stable payments and predictable costs, appealing for long-term financial planning. Monitoring these steady rates can help members decide the best fit for their home equity financing needs.
Americu
As of August 15, 2025, Americu’s HELOC rates remain steady, holding at a range of 3.990% to 11.000% over the past 30 days. This consistency offers homeowners reliable access to flexible financing without rate fluctuations. HELOCs may appeal to those needing adaptable borrowing options for home improvements or emergencies due to their variable terms and revolving credit structure. While fixed-rate home equity loans are not currently listed, the stable HELOC pricing provides a transparent choice for members prioritizing flexibility in managing their home equity.
Wescom Central
As of August 15, 2025, Wescom Central’s HELOC rates remain steady, holding at 3.990% to 12.000% over the past 30 days with no changes observed. This consistent pricing offers predictability for homeowners seeking flexible borrowing options. HELOCs may appeal to those needing revolving credit for home improvements or emergencies, providing variable rates and easy access to funds. While fixed-rate home equity loans are not listed, the stable HELOC rates at Wescom Central present a reliable choice for managing home equity financing needs in today’s market.
Broadview
As of August 15, 2025, Broadview’s HELOC rates remain steady, holding at 3.990% to 14.900% over the past 30 days with no changes. This stability offers homeowners predictable borrowing costs. HELOCs provide flexible access to funds, making them ideal for ongoing home projects or emergencies. While no fixed-rate home equity loans are listed, the consistent HELOC range supports those seeking variable-rate options with adaptable repayment terms. Homeowners should consider their financial needs and risk tolerance when choosing between flexible HELOCs and fixed-rate products elsewhere.
Sound
As of August 15, 2025, Sound’s Home Equity rates remain steady, ranging from 3.990% to 18.000% APR, unchanged over the past 30 days. This stable rate environment offers homeowners predictable borrowing costs. The competitive low-end rate of 3.990% is an attractive option for those seeking affordable fixed-rate financing. Meanwhile, the broader range up to 18.000% reflects flexible lending for varied credit profiles. Homeowners considering flexible access to funds might find HELOCs appealing, while those prioritizing consistent payments may prefer fixed-rate home equity loans. Monitoring these rates can help identify the best fit for individual financial goals.
California
As of August 15, 2025, California HELOC rates remain steady at 4.000% - 12.000%, unchanged over the past 30 days. This consistency offers homeowners predictable borrowing costs for flexible home equity access. While no rate drops are noted this period, HELOCs provide valuable options for those seeking variable-rate credit lines to manage expenses or renovations efficiently. Homeowners considering adjustable financing may find these stable rates advantageous in California’s lending environment. For those prioritizing flexibility over fixed terms, the current HELOC range supports accessible and transparent borrowing solutions.
LendMesh
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Conclusion
If you’re ready to tap into your home equity, start by comparing both HELOCs and fixed-rate loans to match your financial goals and risk tolerance. Remember that HELOCs often provide flexibility with lower initial rates—as seen with Citizens Equity First’s standout 2.99% offer—but rates can vary based on market changes and credit union policies. For those who prefer certainty in monthly payments, fixed-rate home equity loans from credit unions like Indiana Members or Dupaco Community offer reliable options at modest rates. Before applying, review your budget carefully and consider how long you plan to borrow, as this affects whether a variable or fixed rate suits you best. Lastly, don’t hesitate to reach out directly to credit unions for personalized advice—being informed today can empower smarter borrowing tomorrow.