Introduction
For homeowners looking to fund renovations, education, or consolidate debt, tapping into your home equity can be a smart financial move—especially with rates fluctuating as of August 18, 2025. If you’re seeking the lowest borrowing costs, today’s standout offer comes from Newport News Shipbuilding Employees Credit Union, which features an exceptionally low HELOC rate starting at just 0.250%. This ultra-competitive rate could be perfect for borrowers who want flexible access to funds without locking into a fixed term. Meanwhile, those preferring predictability might consider fixed-rate home equity loans; here, Aberdeen Proving Ground offers attractive rates starting at 4.990%, one of the best in that category. Notably, State Employees CU Of Maryland Inc’s HELOC rates have seen some volatility over the past month but currently start at a reasonable 1.990%. Whether you prioritize variable or fixed payments, today’s market offers options suited for homeowners ready to improve their living space, invest in education, or simplify finances with debt consolidation.
Home Equity Loans
Credit Union
Product
2025-08-18
(Current Day)
(Current Day)
2025-08-11
(7 Days Ago)
(7 Days Ago)
2025-08-03
(15 Days Ago)
(15 Days Ago)
2025-07-19
(30 Days Ago)
(30 Days Ago)
2025-07-04
(45 Days Ago)
(45 Days Ago)
2025-06-19
(60 Days Ago)
(60 Days Ago)
2025-05-20
(90 Days Ago)
(90 Days Ago)
Newport News Shipbuilding Employees
Heloc
0.250 - 9.240
6.490 - 9.240▲ 624 bps
6.490 - 9.240▲ 624 bps
0.250 - 9.240
Newport News Shipbuilding Employees
Home Equity
6.140 - 9.240
6.140 - 9.240
6.140 - 9.240
6.140 - 9.240
State Employees CU Of Maryland Inc
Heloc
1.990 - 8.990
4.990 - 8.990▲ 300 bps
1.990 - 8.990
4.990 - 8.990▲ 300 bps
Citadel
Heloc
3.990
Citadel
Home Equity
6.240 - 6.740
6.240 - 6.759
6.240 - 6.759
6.240 - 6.759
6.240 - 6.740
The Golden 1
Heloc
4.000 - 18.000
7.625▲ 362.5 bps
7.625▲ 362.5 bps
4.000 - 18.000
4.000 - 18.000
7.440 - 7.625▲ 344 bps
4.000 - 18.000
The Golden 1
Home Equity
7.440 - 7.940
7.440 - 7.940
7.440 - 7.940
Space Coast
Heloc
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
Space Coast
Home Equity
6.490 - 7.740
6.490 - 7.740
6.490 - 7.740
6.490 - 7.740
6.490 - 7.740
Utah Community
Heloc
4.490 - 9.490
4.490 - 9.490
4.490 - 9.490
4.490 - 9.490
4.490 - 6.490
Dfcu Financial
Heloc
4.750
7.250 - 18.000▲ 250 bps
7.250 - 18.000▲ 250 bps
7.250 - 18.000▲ 250 bps
7.250 - 18.000▲ 250 bps
Dfcu Financial
Home Equity
6.490 - 8.990
6.490 - 8.990
6.490 - 8.990
6.490 - 8.990
6.490 - 8.990
Affinity
Heloc
4.900 - 7.380
4.900 - 7.380
4.900 - 7.380
4.900 - 7.380
4.900 - 7.380
Aberdeen Proving Ground
Home Equity
4.990 - 6.240
4.990 - 6.240
4.990 - 6.240
4.990 - 6.240
Newport News Shipbuilding Employees
As of August 18, 2025, Newport News Shipbuilding Employees Credit Union shows steady Home Equity Loan rates at 6.140% - 9.240%, unchanged over the past 30 days. The HELOC rates remain wide-ranging from 0.250% to 9.240%, consistent with last month but offering a very low entry point for flexible borrowing. Homeowners seeking fixed payments may find the Home Equity Loan’s stable rates attractive, while those needing adaptable access to funds might consider the HELOC’s low starting APR. Monitoring these ranges helps members choose the best fit for their financial goals with transparent, accessible lending solutions.
State Employees CU Of Maryland Inc
As of August 18, 2025, State Employees CU Of Maryland Inc offers a HELOC with rates ranging from 1.990% to 8.990% APR, showing notable improvement from 7 days ago when the range was 4.990% to 8.990% APR. This reflects a significant drop in the lower rate tier over the past week and two weeks, while the upper range remains stable. Homeowners seeking flexible borrowing options may find this HELOC attractive for managing expenses or home improvements with variable rates that recently became more accessible. Monitoring these trends can help members optimize borrowing costs effectively.
Citadel
As of August 18, 2025, Citadel's HELOC rate stands at a competitive 3.990%, with no prior data for comparison, making it an attractive option for homeowners seeking flexible access to funds. The Home Equity Loan rates remain steady, ranging from 6.240% to 6.740% APR, consistent over the past 30 days. These fixed-rate loans offer predictability for borrowers preferring long-term stability. Homeowners considering borrowing should evaluate whether the flexibility of a HELOC or the fixed payment structure of a Home Equity Loan better suits their financial goals.
The Golden 1
As of August 18, 2025, The Golden 1 HELOC rates show a notable range from 4.000% to 18.000%, reflecting flexible borrowing options with some variability compared to 7.625% a week and two weeks ago. Over 30 days, the rate range remains consistent, suggesting stable market conditions. The Home Equity Loan rates hold steady between 7.440% and 7.940%, offering predictable, fixed-rate solutions for homeowners seeking long-term security. For those needing flexible access to funds, HELOCs provide variable rates and convenience, while fixed-rate home equity loans are ideal for borrowers valuing rate stability.
Space Coast
As of August 18, 2025, Space Coast’s HELOC rates remain steady at 4.240% to 7.750% over the past 30 days, offering consistent flexible borrowing options. Meanwhile, Home Equity Loan rates hold firm between 6.490% and 7.740%, providing reliable fixed-rate choices for homeowners seeking predictable payments. The stable rate environment makes HELOCs ideal for those needing revolving credit, while fixed-rate Home Equity Loans appeal to borrowers prioritizing long-term certainty. Homeowners on Space Coast can confidently evaluate these options based on their financial needs without concern for recent rate fluctuations.
Utah Community
As of August 18, 2025, Utah Community's HELOC rates remain steady, holding at a range of 4.490% to 9.490% over the past 30 days with no fluctuations. This consistent rate band offers predictable borrowing costs for homeowners seeking flexible credit access. HELOCs may appeal to those needing variable funds for home improvements or emergencies without committing to fixed terms. While no new rate drops are observed, the stable range supports planning and budgeting for Utah homeowners considering equity financing options through their community credit union.
Dfcu Financial
As of August 18, 2025, Dfcu Financial's HELOC rate has significantly dropped to 4.750%, down from a range of 7.250% - 18.000% over the past 30 days, offering homeowners a more affordable variable-rate option. The Home Equity Loan rates remain steady between 6.490% and 8.990%, providing predictable payments for borrowers seeking fixed terms. HELOCs may appeal to those needing flexible access to funds, while fixed-rate Home Equity Loans suit homeowners prioritizing stable monthly costs. These competitive rates present valuable opportunities for managing home financing needs effectively.
Affinity
As of August 18, 2025, Affinity’s HELOC rates remain steady, holding at 4.900% - 7.380% over the past 30 days with no changes observed. This stable rate environment benefits homeowners seeking flexible access to funds through a HELOC, offering predictable pricing without recent volatility. While no rate drops are evident, the consistent range provides clarity for budgeting purposes. Homeowners considering home equity financing should note that HELOCs offer adaptable borrowing options, ideal for ongoing or unexpected expenses. Monitoring Affinity’s rates regularly can help identify opportunities for cost-effective borrowing when market shifts occur.
Aberdeen Proving Ground
As of August 18, 2025, Aberdeen Proving Ground's Home Equity rates remain steady, with an APR range of 4.990% to 6.240% over the past 30 days. This consistent rate offers predictability for homeowners considering borrowing options. Fixed-rate Home Equity Loans provide stability for those planning long-term financing, while HELOCs offer flexible access to funds as needed. Maintaining unchanged rates ensures clarity and reliability for members evaluating their home equity financing choices in Aberdeen Proving Ground.
LendMesh
The right home equity loan doesn’t just give you money—it gives you peace of mind. LendMesh makes the process transparent with real lender reviews and side-by-side offers. Explore now at https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
Before committing to a home equity loan or HELOC, take time to evaluate your financial goals and how each product fits your lifestyle. If you value flexibility and anticipate needing funds sporadically, a HELOC—especially at today’s low rates from Newport News Shipbuilding Employees—may provide the best value. On the other hand, if steady monthly payments help you budget better, consider fixed-rate loans like those from Aberdeen Proving Ground or Dfcu Financial. Remember to factor in any recent rate trends; while some credit unions show stable pricing, others fluctuate weekly. Finally, don’t rush—compare offers carefully and consult with your credit union about fees and terms before applying. Tapping home equity can unlock opportunity but ensuring it aligns with your long-term plans is key to making the most of your investment.