Introduction
For homeowners looking to unlock the potential of their property, today’s home equity rates as of August 29, 2025, offer promising opportunities. Whether you’re planning a home renovation, funding education, or consolidating debt, tapping into your home’s equity can be a smart financial move. State Employees CU Of Maryland Inc stands out with the lowest HELOC rates starting at an incredible 1.990%, making it an excellent choice for borrowers seeking flexible access to funds at attractive costs. While some credit unions like Royal and Broadview have seen fluctuations in their upper rate ranges over the past month, many others maintain steady pricing, providing stability for your borrowing decisions. If you value predictability, options like Dupaco Community’s fixed-rate home equity loans around 6.990% to 7.490% might appeal. Today’s landscape favors those who want competitive variable rates with the option to draw as needed or those who prefer locked-in payments to budget confidently.
Home Equity Loans
Credit Union
Product
2025-08-29
(Current Day)
(Current Day)
2025-08-22
(7 Days Ago)
(7 Days Ago)
2025-08-14
(15 Days Ago)
(15 Days Ago)
2025-07-30
(30 Days Ago)
(30 Days Ago)
2025-07-15
(45 Days Ago)
(45 Days Ago)
2025-06-30
(60 Days Ago)
(60 Days Ago)
2025-05-31
(90 Days Ago)
(90 Days Ago)
State Employees CU Of Maryland Inc
Heloc
1.990 - 8.990
4.990 - 8.990▲ 300 bps
4.990 - 8.990▲ 300 bps
4.990 - 8.990▲ 300 bps
4.990 - 8.990▲ 300 bps
Royal
Heloc
3.000 - 7.500
3.000 - 18.000
3.000 - 7.500
3.000 - 7.500
6.750 - 7.500▲ 375 bps
6.750 - 7.500▲ 375 bps
Broadview
Heloc
3.990 - 7.000
3.990 - 14.900
3.990 - 14.900
3.990 - 14.900
3.990 - 14.900
3.990 - 14.900
Americu
Heloc
3.990 - 15.000
3.990 - 15.000
3.990 - 11.000
3.990 - 11.000
Sound 66331
Home Equity
3.990 - 18.000
Dupaco Community
Heloc
3.990 - 21.000
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
6.990 - 7.490
The Golden 1
Heloc
4.000 - 18.000
4.000 - 18.000
4.000 - 18.000
7.440 - 7.940▲ 344 bps
4.000 - 18.000
4.000 - 18.000
The Golden 1
Home Equity
7.440 - 7.940
7.440 - 7.940
7.440 - 7.940
7.440
Mountain America
Heloc
4.490 - 8.000
4.490 - 8.000
8.000▲ 351 bps
8.000▲ 351 bps
8.000▲ 351 bps
8.250▲ 376 bps
8.250▲ 376 bps
Mountain America
Home Equity
7.240 - 8.240
7.240 - 8.240
7.240 - 8.240
7.240 - 8.240
7.240 - 8.240
7.240 - 8.240
7.240 - 8.240
Utah Community
Heloc
4.490 - 9.490
4.490 - 9.490
4.490 - 9.490
4.490 - 9.490
4.490 - 9.490
Safe 9988
Heloc
4.500 - 18.000
4.500 - 18.000
State Employees CU Of Maryland Inc
As of August 29, 2025, State Employees CU Of Maryland Inc's HELOC rates have notably improved, with today’s range at 1.990% - 8.990% APR, down from 4.990% - 8.990% just one week ago. This significant drop in the lower rate tier offers an attractive option for homeowners seeking flexible borrowing solutions. HELOCs provide convenient access to funds with variable rates, ideal for ongoing home improvements or unexpected expenses. Monitoring these trends can help members optimize borrowing costs while maintaining financial flexibility.
Royal
As of August 29, 2025, Royal’s HELOC rates remain steady at 3.000% - 7.500%, unchanged over the past 30 days except for a brief spike to 18.000% seven days ago. This stable range offers flexible borrowing options for homeowners seeking variable-rate credit with manageable costs. The temporary rate surge last week suggests monitoring market shifts, but current rates provide an attractive opportunity for those needing ongoing access to home equity funds. HELOCs may appeal to homeowners prioritizing flexibility and control over loan amounts and repayment terms.
Broadview
As of August 29, 2025, Broadview’s HELOC rates remain stable, holding steady at a range of 3.990% - 7.000% compared to 7, 15, and 30 days ago when the upper APR was as high as 14.900%. This significant narrowing of the rate spread highlights a more predictable borrowing cost for homeowners. HELOCs offer flexible access to funds, ideal for those needing ongoing home improvement financing or emergency reserves. Homeowners seeking variable-rate options will find these current rates attractive given the reduced maximum APR risk. Monitoring rate trends can help optimize borrowing decisions over time.
Americu
As of August 29, 2025, Americu’s HELOC rates remain steady, with a range of 3.990% to 15.000% APR, unchanged from 7 days ago but higher than the 3.990% to 11.000% range seen 15 and 30 days prior. This suggests a recent widening in APR spread for HELOCs. HELOCs offer flexible access to home funds, making them ideal for homeowners seeking variable borrowing options. Monitoring rate trends is important as APR variability can impact overall costs. For those prioritizing stability, exploring fixed-rate products may be beneficial when available.
Sound 66331
As of August 29, 2025, Sound 66331 offers a Home Equity product with rates ranging from 3.990% to 18.000% APR. While no prior data is available for comparison, the broad rate range indicates options for various credit profiles and loan structures. Homeowners seeking predictable payments may find fixed-rate home equity loans appealing, while those valuing flexibility might consider HELOCs where available. Understanding your borrowing needs can help select the best fit within this competitive rate range at Sound 66331. Regularly reviewing rates ensures homeowners access timely lending solutions.
Dupaco Community
As of August 29, 2025, Dupaco Community HELOC rates remain steady, holding at 3.990% - 21.000% APR, with the upper range notably higher than the stable 7.000% seen over the past month. Meanwhile, Home Equity Loan rates are unchanged at a competitive 6.990% - 7.490% APR across all recent periods. For homeowners seeking flexible borrowing, HELOCs offer variable access to funds, though caution is advised given the wide APR spread today. Those preferring predictability may find fixed-rate Home Equity Loans attractive for longer-term financial planning.
The Golden 1
As of August 29, 2025, The Golden 1 HELOC rates remain steady at 4.000% - 18.000% APR, unchanged over the past 15 days but significantly lower than 30 days ago when rates were 7.440% - 7.940%. Meanwhile, Home Equity Loan rates hold firm at a fixed range of 7.440% - 7.940% APR over the last month, offering consistent long-term borrowing costs. HELOCs provide flexible access to funds with competitive variable rates, ideal for homeowners seeking short-term liquidity, while the fixed-rate home equity loans suit those prioritizing predictable payments and stability.
Mountain America
As of August 29, 2025, Mountain America HELOC rates remain steady at 4.490% - 8.000%, unchanged over the past 30 days. Similarly, Home Equity Loan rates hold firm between 7.240% - 8.240% with no recent shifts. Homeowners seeking flexible access to funds may find the stable HELOC range attractive, while those preferring predictable payments can consider the consistent fixed-rate Home Equity Loans. Monitoring these stable rates helps in choosing the right product for your financial goals.
Utah Community
As of August 29, 2025, Utah Community’s HELOC rates remain steady at 4.490% - 9.490%, unchanged over the past 30 days. This consistent pricing offers predictable borrowing costs for homeowners. HELOCs provide flexible access to funds, ideal for those needing variable credit for home improvements or emergencies. While no new rate drops occurred, the stable range supports planning without unexpected rate hikes. Homeowners seeking adaptable financing may find these HELOC terms attractive due to their transparency and reliability in Utah’s current market environment.
Safe 9988
As of August 29, 2025, Safe 9988’s HELOC rates remain steady at 4.500% to 18.000% APR, unchanged from 7 days ago. This stability offers predictability for homeowners seeking flexible borrowing options. While no fixed-rate home equity loans are listed currently, the HELOC’s wide APR range accommodates varying credit profiles and borrowing needs. For those needing adaptable access to funds, a HELOC may be an attractive choice, providing both convenience and competitive starting rates. Monitoring rate trends can help homeowners time their borrowing decisions effectively.
LendMesh
You don’t need to be a financial expert to find a great loan. LendMesh helps you compare rates, terms, and lenders with confidence. Make equity work for your goals: https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re considering leveraging your home equity now, focus on comparing both rate ranges and loan types—HELOCs offer flexibility but watch for wider rate spreads, while fixed-rate loans bring consistency in monthly payments. With some credit unions showing stable or even improved rates this week, it could be a great time to lock in financing for upcoming expenses. However, if market uncertainty or personal finances are in flux, waiting to see if rates stabilize further might be wise. Always factor in your repayment comfort and long-term plans before committing—a lower rate is beneficial only when paired with a loan that fits your lifestyle and goals. Reach out to your local credit union for personalized advice and remember that accessing home equity responsibly can be a powerful tool toward financial empowerment.