Introduction
For homeowners considering a home renovation, education expenses, or debt consolidation, tapping into your home’s equity can be a smart financial move. As of September 7, 2025, Commonwealth Credit Union offers the lowest HELOC rates starting as low as 1.990%, making it an attractive option for borrowers seeking flexible access to funds with competitive pricing. Whether you’re planning small upgrades or larger projects, today’s rates provide opportunities to secure affordable financing. Borrowers who value variable-rate options might particularly benefit from these HELOC programs, especially since other credit unions show wider rate ranges and higher maximums. Keeping an eye on these evolving rates can help you make the best decision tailored to your financial goals.
Home Equity Loans
Credit Union
Product
2025-09-07
(Current Day)
(Current Day)
2025-08-31
(7 Days Ago)
(7 Days Ago)
2025-08-23
(15 Days Ago)
(15 Days Ago)
2025-08-08
(30 Days Ago)
(30 Days Ago)
2025-07-24
(45 Days Ago)
(45 Days Ago)
2025-07-09
(60 Days Ago)
(60 Days Ago)
Heloc
3.000 - 18.000
3.000 - 7.500
3.000 - 18.000
3.000 - 7.500
3.000 - 7.500
6.750 - 7.500▲ 375 bps
Heloc
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
Home Equity
6.750 - 13.750
6.750 - 13.750
6.750 - 13.750
6.750 - 13.750
6.880 - 13.880▲ 13 bps
6.880 - 13.880▲ 13 bps
Heloc
3.990 - 6.250
3.990 - 7.000
3.990 - 14.900
3.990 - 14.900
3.990 - 7.000
3.990 - 14.900
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
COMMONWEALTH 24970
As of September 07, 2025, Commonwealth 24970's HELOC rates range from 1.990% to 7.250% APR. Since no prior data is available for comparison, no rate movement trends can be reported. The HELOC offers flexible borrowing options, ideal for homeowners seeking revolving credit with variable rates. While fixed-rate home equity loans are not currently listed, the broad APR range allows members to choose terms fitting their financial needs. For those valuing adaptability in accessing home equity, Commonwealth’s HELOC presents a competitive and accessible solution.
HORIZON CREDIT UNION
As of September 07, 2025, Horizon 67264 offers a HELOC with rates ranging from 2.990% to 18.000% APR. Since no prior data is available, rate movement can’t be assessed this week. Homeowners seeking flexible borrowing may find the HELOC attractive for accessing funds as needed with variable rates. While fixed-rate home equity loans are not listed currently, the broad range in HELOC APRs provides options for varying credit profiles and borrowing needs. For those prioritizing adaptable financing, Horizon’s HELOC remains a transparent and accessible solution in the 67264 area.
ROYAL CREDIT UNION
As of September 07, 2025, Royal’s HELOC rates remain stable at a wide range of 3.000% to 18.000% APR, consistent with levels from 15 days ago but showing a notable increase compared to 7 and 30 days ago when the top rate was 7.500%. This broad rate spread reflects varied borrower profiles and credit factors. HELOCs offer flexible access to home equity, ideal for homeowners seeking variable borrowing options without fixed terms. Monitoring these rates can help members time their borrowing to maximize affordability and convenience.
INDIANA MEMBERS CREDIT UNION
As of September 07, 2025, Indiana Members’ HELOC rates remain steady with a range of 3.900% to 8.000% APR, unchanged from last week but slightly higher on the upper end compared to 7.500% APR over the past 30 days. This stability offers homeowners predictable access to funds, while the broad rate range accommodates varying credit profiles. HELOCs may appeal to homeowners seeking flexible borrowing options without locking into fixed terms. For Indiana homeowners, monitoring these rates can help optimize borrowing costs in a fluctuating market.
GESA CREDIT UNION
As of September 07, 2025, Gesa’s HELOC rates remain steady at 3.950% - 18.000%, unchanged over the past 30 days. Similarly, Home Equity Loan rates hold firm at 6.750% - 13.750% with no recent fluctuations. For homeowners seeking flexibility, the HELOC’s variable rate structure offers convenient access to funds as needed. Meanwhile, those preferring predictable payments may find value in Gesa’s fixed-rate Home Equity Loans, providing stability without rate volatility. Monitoring these consistent rates can help members make informed decisions aligned with their financial goals.
BROADVIEW FEDERAL CREDIT UNION
As of September 7, 2025, Broadview's HELOC rates remain steady at 3.990% for the low end, while the high end has decreased significantly from 14.900% to 6.250% over the past 30 days. This notable drop in the maximum APR makes HELOCs an increasingly attractive option for homeowners seeking flexible borrowing with improved cost predictability. With rates now ranging from 3.990% to 6.250%, Broadview’s HELOC offers competitive access to home equity, ideal for those needing ongoing credit rather than fixed loans. Homeowners should consider this product for versatile financial planning.
WESCOM CENTRAL CREDIT UNION
As of September 07, 2025, Wescom Central’s HELOC rates remain steady at 3.990% to 12.000% APR, unchanged over the past 30 days. This consistent range offers homeowners predictable borrowing costs for flexible access to funds. HELOCs may appeal to those seeking variable-rate options with the convenience of revolving credit for home improvements or emergencies. While no rate shifts occurred recently, the broad APR spread accommodates various credit profiles and loan amounts, ensuring accessible lending solutions for Wescom Central members. Staying informed on these rates helps homeowners make timely financing decisions aligned with their needs.
LISTERHILL CREDIT UNION
As of September 07, 2025, Listerhill’s HELOC rate stands at 4.000% with no previous data for comparison. While rate trends are unavailable, the current HELOC offers flexible access to funds for homeowners seeking variable borrowing options. For those prioritizing adaptability over fixed terms, this HELOC at 4.000% presents an accessible solution. Stay tuned for updates as more rate history becomes available to assess market movements and identify long-term fixed-rate opportunities.
LendMesh
From roof repairs to tuition costs, home equity loans are built for life’s real expenses. LendMesh lets you explore transparent, flexible offers tailored to your needs. Find out what your equity can do at https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re ready to leverage your home equity, consider locking in a HELOC at Commonwealth for its standout low starting rate, but also evaluate how variable interest rates fit your budget and repayment plans. For those who prefer predictability or are concerned about rising rates, exploring fixed-rate home equity loans from credit unions like Gesa could offer peace of mind despite slightly higher costs. Before committing, assess your renovation timeline and financial stability—drawing funds too early or without a clear plan may increase costs unnecessarily. And if rates don’t align with your budget right now, waiting a few weeks while monitoring trends can pay off. Ultimately, choosing the right product and timing ensures your home equity works best for you without stress or surprises.