Introduction
For homeowners looking to make the most of their property’s value, tapping into home equity can be a smart move—whether for renovations, education expenses, or consolidating debt. As of September 5, 2025, Commonwealth 24970 is offering an exceptionally low HELOC rate starting at just 1.990%, making it one of the most attractive options available today. This competitive rate is perfect for borrowers who want flexible access to funds with a variable interest rate. Meanwhile, other credit unions like State Employees CU Of Maryland Inc maintain steady offerings with rates ranging from 1.990% up to 8.990%, showing stability over the past month. If you’re planning major projects or need financial breathing room, these rates suggest now could be an ideal time to explore your home equity financing options and secure favorable terms before any potential market shifts.
Home Equity Loans
Credit Union
Product
2025-09-05
(Current Day)
(Current Day)
2025-08-29
(7 Days Ago)
(7 Days Ago)
2025-08-21
(15 Days Ago)
(15 Days Ago)
2025-08-06
(30 Days Ago)
(30 Days Ago)
2025-07-22
(45 Days Ago)
(45 Days Ago)
2025-07-07
(60 Days Ago)
(60 Days Ago)
Commonwealth 24970
Heloc
1.990 - 7.250
State Employees CU Of Maryland Inc
Heloc
1.990 - 8.990
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
Horizon 67264
Heloc
2.990 - 18.000
Royal
Heloc
3.000 - 7.500
3.000 - 7.500
3.000 - 7.500
3.000 - 7.500
3.000 - 7.500
6.750 - 7.500▲ 375 bps
Indiana Members
Heloc
3.900 - 8.000
3.900 - 7.500
3.900 - 7.500
3.900 - 7.500
3.900 - 8.000
Broadview
Heloc
3.990 - 7.000
3.990 - 7.000
3.990 - 14.900
3.990 - 14.900
3.990 - 7.000
3.990 - 6.250
Wescom Central
Heloc
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
Listerhill
Heloc
4.000
Commonwealth 24970
As of September 05, 2025, Commonwealth 24970's HELOC rates range from 1.990% to 7.250% APR. Since no prior data is available, rate movement trends cannot be determined. The broad rate range offers flexibility for homeowners seeking variable-rate borrowing options. HELOCs may appeal to those needing flexible access to funds for home improvements or debt consolidation. Homeowners should consider their repayment preferences and market conditions when evaluating these rates. For those prioritizing adjustable credit lines with competitive starting rates, Commonwealth 24970’s HELOC remains a relevant choice.
State Employees CU Of Maryland Inc
As of September 5, 2025, State Employees CU Of Maryland Inc maintains steady HELOC rates ranging from 1.990% to 8.990%, unchanged over the past week but notably down from 4.990% - 8.990% fifteen and thirty days ago. This significant rate decrease makes their HELOC product especially attractive for homeowners seeking flexible borrowing options with competitive APRs. For those needing adaptable access to home equity funds, these stable and lowered rates offer a valuable opportunity to manage cash flow efficiently while benefiting from current market trends.
Horizon 67264
As of September 5, 2025, Horizon 67264's HELOC rates range from 2.990% to 18.000%, with no prior data available for comparison. This flexible HELOC option offers homeowners variable access to funds, ideal for those seeking adaptable borrowing solutions. While fixed-rate home equity loans are not listed this period, the current HELOC range provides a broad spectrum suitable for different credit profiles. Homeowners considering improvements or debt consolidation may find the HELOC’s flexible terms advantageous for managing cash flow efficiently. Stay tuned for future updates as more rate trends become available.
Royal
As of September 05, 2025, Royal's HELOC rates remain steady at 3.000% - 7.500% over the past 30 days, offering consistent terms for borrowers. This stable range provides homeowners with flexible access to funds without rate fluctuations, ideal for those seeking ongoing financial flexibility. While no changes occurred recently, HELOCs continue to be an attractive option for managing home improvements or unexpected expenses due to their variable nature and convenience. Homeowners prioritizing predictability might consider fixed-rate options elsewhere, but Royal’s HELOC remains a solid choice for accessible home equity financing.
Indiana Members
As of September 5, 2025, Indiana Members’ HELOC rates remain steady, ranging from 3.900% to 8.000% APR, unchanged from 7, 15, and 30 days ago. This consistency offers predictability for homeowners considering a Home Equity Line of Credit. HELOCs provide flexible borrowing options ideal for those needing ongoing access to funds with variable rates. While no rate drops occurred recently, the stable range supports informed planning for home improvements or debt consolidation. Homeowners seeking fixed-rate security may explore other products, but Indiana Members’ HELOC remains a reliable option for adaptable credit needs.
Broadview
As of September 05, 2025, Broadview’s HELOC rates remain steady, holding at 3.990% - 7.000% over the past 7 days. Notably, the upper APR range has significantly narrowed from 14.900% fifteen and thirty days ago to just 7.000% today, reflecting improved borrowing costs for homeowners. This reduction enhances the appeal of HELOCs for flexible access to funds with more predictable repayment terms. Homeowners seeking adaptable financing options should consider these competitive rates, especially given the stabilized low starting rates and reduced maximum APR.
Wescom Central
As of September 05, 2025, Wescom Central’s HELOC rates remain steady at a range of 3.990% to 12.000% APR, unchanged over the past 30 days. This stability offers predictability for homeowners seeking flexible borrowing options. HELOCs provide accessible credit lines ideal for ongoing home improvement projects or emergency funds. While no rate shifts occurred recently, the broad APR spread reflects varying credit profiles and loan terms. Homeowners valuing adjustable access may find Wescom Central’s HELOC a practical solution in today’s market. Monitoring future rate trends can help optimize borrowing costs effectively.
Listerhill
As of September 5, 2025, Listerhill’s HELOC rate stands at a competitive 4.000%, with no prior data for direct comparison. This HELOC offers homeowners flexible, revolving credit ideal for those needing ongoing access to funds. While fixed-rate home equity loans are not listed, this steady 4.000% HELOC rate provides an accessible borrowing option. Homeowners seeking adaptable financing solutions may find Listerhill’s HELOC appealing for managing home improvements or consolidating debt with transparency and convenience.
LendMesh
You’ve built equity in your home—now make it work for your goals. Whether it’s funding a big purchase, handling emergency costs, or improving your space, LendMesh helps you find the right home equity loan. Start comparing offers at https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re considering tapping into your home equity, prioritize lenders offering the lowest rates and stable programs, like Commonwealth 24970’s standout HELOC at 1.990%. However, also evaluate your borrowing goals carefully—HELOCs provide flexibility for ongoing expenses but come with variable rates that may rise over time. For fixed monthly payments and predictable budgeting, check if any local credit unions offer fixed-rate home equity loans alongside HELOCs. Before committing, review your credit score and debt-to-income ratio to ensure you qualify for the best rates possible. And remember, while locking in a low rate today can save thousands over the life of your loan, it’s equally important to borrow only what you truly need and have a clear repayment plan. Taking these steps will help you use your home’s value wisely and confidently in support of your financial goals.