Introduction
As of September 11, 2025, homeowners looking to access their home equity have several promising options available. Whether you’re planning a major renovation, funding education, or consolidating debt, finding the right financing can make all the difference. For borrowers seeking the lowest rates today, Commonwealth 24970’s HELOC stands out with an incredibly low starting rate of 1.990%, making it an attractive choice for those who want flexibility and affordability. Fixed-rate home equity loans remain steady, with Chevron offering rates between 7.990% and 8.169%. Meanwhile, credit unions like Citadel provide competitive fixed loan rates as low as 6.240%, ideal for homeowners preferring predictable payments. If you value a broad range of borrowing options, some HELOCs like Horizon and Gesa offer variable ranges that can accommodate different credit profiles and loan sizes. Today’s data highlights that borrowers ready to act now can secure favorable terms, especially on HELOC products, while fixed-rate loans offer stable alternatives for cautious planners.
Home Equity Loans
Credit Union
Product
2025-09-11
(Current Day)
(Current Day)
2025-09-04
(7 Days Ago)
(7 Days Ago)
2025-08-27
(15 Days Ago)
(15 Days Ago)
2025-08-12
(30 Days Ago)
(30 Days Ago)
2025-07-28
(45 Days Ago)
(45 Days Ago)
2025-07-13
(60 Days Ago)
(60 Days Ago)
Home Equity
7.000 - 13.630
6.750 - 13.750▼ 25 bps
6.750 - 13.750▼ 25 bps
6.880 - 13.880▼ 12 bps
6.880 - 13.880▼ 12 bps
Home Equity
6.240 - 6.740
6.240 - 6.740
6.240 - 6.740
6.240 - 6.759
6.240 - 6.759
Heloc
3.990 - 14.900
3.990 - 7.000
3.990 - 7.000
3.990 - 14.900
3.990 - 14.900
3.990 - 14.900
Heloc
4.000 - 12.000
4.000 - 12.000
5.990 - 10.000▲ 199 bps
4.000 - 12.000
4.000 - 12.000
4.000 - 12.000
CHEVRON FEDERAL CREDIT UNION
As of September 11, 2025, Chevron Credit Union’s Home Equity rates remain steady, with the Home Equity Loan rate range holding at 7.990% - 8.169%, unchanged from 7 days ago. This consistency offers homeowners a reliable fixed-rate option for those seeking predictable payments. While no recent rate drops are observed, the stable rates provide clarity for budgeting long-term projects. Homeowners looking for flexible borrowing might consider HELOCs elsewhere, but Chevron’s fixed-rate home equity loan remains an attractive choice for locking in today’s rates with clear terms.
COMMONWEALTH FEDERAL CREDIT UNION
As of September 11, 2025, Commonwealth 24970's HELOC rates remain steady at a range of 1.990% to 7.250% APR, unchanged from one week ago. While no data is available beyond 7 days, the consistent rates suggest stable borrowing costs for homeowners. HELOCs offer flexible access to funds and can be ideal for those needing ongoing credit rather than a lump sum. Homeowners seeking adaptable financing solutions should consider this product’s competitive and stable rate environment at Commonwealth 24970.
HORIZON CREDIT UNION
As of September 11, 2025, Horizon 67264’s HELOC rates remain steady at 2.990% - 18.000% APR, unchanged over the past week. While no recent data exists for longer-term loans, this consistent range offers flexible borrowing for homeowners. HELOCs may appeal to those seeking adaptable access to funds with variable rates that fit short-term needs. Keep monitoring for any shifts in the upper APR tier, which impacts borrowing costs on larger balances. For community members, Horizon’s stable HELOC pricing supports accessible home equity financing options.
INDIANA MEMBERS CREDIT UNION
As of September 11, 2025, Indiana Members’ HELOC rates remain steady at 3.900% - 8.000% over the past week, with a slight increase from the 3.900% - 7.500% range seen 15 and 30 days ago. This indicates a modest upward trend in the maximum APR. HELOCs offer flexible borrowing options ideal for homeowners seeking variable access to funds without fixed monthly payments. Monitoring these rates is key for those planning home improvements or debt consolidation, as locking in favorable terms can provide long-term savings and financial agility.
GESA CREDIT UNION
As of September 11, 2025, Gesa’s HELOC rates remain steady at 3.950% - 18.000%, unchanged over the past 15 days. Meanwhile, Home Equity Loan rates show a slight increase on the low end from 6.750% to 7.000% but a minor decrease in the high end from 13.750% to 13.630%. Homeowners seeking flexible borrowing may find HELOCs appealing for variable access, while those preferring predictable payments should consider the fixed-rate Home Equity Loans with competitive terms around 7.000% - 13.630% APR. Monitoring these rates can help identify optimal borrowing opportunities.
CITADEL FEDERAL CREDIT UNION
As of September 11, 2025, Citadel’s HELOC rate stands at a competitive 3.990%, with no prior data for comparison. The Home Equity Loan rates remain steady between 6.240% and 6.740% APR, unchanged over the past 30 days. Homeowners seeking flexibility may find the HELOC’s low variable rate appealing for ongoing access to funds, while those desiring predictable payments might prefer the stable fixed rates offered by Citadel’s Home Equity Loans. Monitoring these consistent rates can help borrowers choose the best fit for their financial needs.
BROADVIEW FEDERAL CREDIT UNION
As of September 11, 2025, Broadview’s HELOC rates remain stable at a range of 3.990% to 14.900%, consistent with rates from 30 days ago. Notably, the upper APR band widened since last week’s 7.000% max, indicating variable terms or borrower profiles. Homeowners seeking flexible borrowing may find HELOCs appealing for their revolving credit feature and competitive starting rates around 3.990%. Monitoring the high-end APR is advised for those sensitive to rate fluctuations. Overall, current HELOC options offer steady access with transparent rate ranges suited for varying credit needs in the Broadview community.
LISTERHILL CREDIT UNION
As of September 11, 2025, Listerhill's HELOC rate remains steady at 4.000% with no change from 7 days ago. While no other home equity loan rates are currently listed, the consistent 4.000% HELOC rate offers homeowners flexible access to funds without rate fluctuations this month. For those seeking adaptable borrowing options, HELOCs may appeal due to their variable nature and convenience. Monitoring Listerhill’s future rate movements can help members time their borrowing decisions effectively.
CALIFORNIA CREDIT UNION
As of September 11, 2025, California HELOC rates remain steady at a range of 4.000% - 12.000%, unchanged over the past 7 and 30 days but down from a high of 5.990% fifteen days ago. This stability offers homeowners consistent borrowing costs with flexible access to funds. HELOCs may appeal to those seeking adaptable financing solutions for home improvements or emergency needs. Monitoring these stable ranges can help borrowers time their applications effectively in California’s current lending landscape.
LendMesh
Your home equity is more than a number—it’s potential waiting to be tapped. Whether you need a lump sum or a flexible line of credit, LendMesh helps you compare trusted lenders in one simple place. Start your journey at https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
If you’re considering tapping into your home equity soon, start by identifying your financial goals and timeline—do you need flexible access to funds or a fixed payment plan? With some credit unions offering HELOC rates as low as 1.990%, this could be an excellent moment to leverage your home’s value at a lower cost than traditional loans or credit cards. However, if you prefer certainty in budgeting, exploring fixed-rate home equity loans from institutions like Citadel or Chevron is wise. Keep an eye on rate trends over the next few weeks, especially since some lenders show slight fluctuations in their upper rate limits. Also, assess your credit score carefully because it greatly impacts where within these ranges your rate might fall. Above all, consult with your credit union advisor to tailor financing choices that fit your unique situation—whether it’s for renovations that add lasting value or consolidating high-interest debt efficiently. Taking measured steps now can set you up for financial confidence down the road.