Introduction
Before deciding to tap into your home equity, consider how long you’ll need the funds and whether a variable-rate HELOC or fixed-rate loan suits your budget stability needs. If you anticipate needing ongoing access for projects or expenses over time, a HELOC with today’s low introductory rates, like Horizon’s 2.99%, could save you money. However, if you prefer predictable monthly payments, comparing fixed-rate home equity loans from credit unions such as Mountain America may be wise despite their higher starting rates. Always review terms carefully and check for fees or rate adjustments after introductory periods. If rates don’t quite align with your plans now, waiting for market shifts or improving your credit score could unlock better offers later. Ultimately, aligning your borrowing choice with your financial timeline ensures you maximize the benefits of your home’s equity safely and smartly.
Home Equity Loans
Credit Union
Product
2025-09-18
(Current Day)
(Current Day)
2025-09-11
(7 Days Ago)
(7 Days Ago)
2025-09-03
(15 Days Ago)
(15 Days Ago)
2025-08-19
(30 Days Ago)
(30 Days Ago)
2025-08-04
(45 Days Ago)
(45 Days Ago)
2025-07-20
(60 Days Ago)
(60 Days Ago)
2025-06-20
(90 Days Ago)
(90 Days Ago)
Heloc
3.990 - 6.250
3.990 - 14.900
3.990 - 7.000
3.990 - 14.900
3.990 - 14.900
3.990 - 6.250
Heloc
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
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
4.240 - 7.750
Heloc
4.490 - 6.490
4.490 - 6.490
4.490 - 9.490
4.490 - 9.490
4.490 - 9.490
4.490 - 9.490
Heloc
4.490 - 8.000
4.490 - 8.000
4.490 - 8.000
8.000▲ 351 bps
8.000▲ 351 bps
8.250▲ 376 bps
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
HORIZON CREDIT UNION
As of September 18, 2025, HORIZON’s HELOC rates remain steady at a range of 2.990% to 18.000% APR, showing no change over the past 30 days. This consistent pricing offers predictability for borrowers seeking flexible access to funds. Homeowners interested in variable-rate financing will find these HELOCs appealing for managing cash flow or home improvements without committing to fixed terms. For detailed information on terms and eligibility, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
BROADVIEW FEDERAL CREDIT UNION
As of September 18, 2025, BROADVIEW's HELOC rates remain steady at 3.990% to 6.250%, showing a notable narrowing from the wider APR range seen 7 and 30 days ago when upper limits reached as high as 14.900%. This tightening indicates improved cost predictability for borrowers. HELOCs offer flexible borrowing options for homeowners seeking revolving credit lines with competitive starting rates. Those considering home equity financing may find BROADVIEW’s current HELOC terms appealing due to lower maximum APRs compared to earlier in the month. For more details, visit https://www.broadviewfcu.com/personal/home-lending-solutions/home-equity-line-of-credit/.
WESCOM CENTRAL CREDIT UNION
As of September 18, 2025, WESCOM CENTRAL's HELOC rates remain stable, holding steady at a range of 3.990% to 12.000% APR over the past 30 days. This consistency offers predictability for members seeking flexible borrowing options. HELOCs provide accessible credit lines ideal for homeowners needing adaptable funds without fixed-term constraints. While no rate changes have occurred recently, this product continues to be an attractive solution for managing home equity with variable access and competitive pricing. For more details, visit https://www.wescom.org/home-loans/home-equity.
ALLEGACY FEDERAL CREDIT UNION
As of September 18, 2025, ALLEGACY’s HELOC rates remain steady at 4.000% to 18.000%, unchanged from one and seven days ago, and slightly lower than the 4.990% starting point 30 days prior. This stability highlights a consistent borrowing cost for homeowners seeking flexible credit access through a Home Equity Line of Credit. HELOCs offer adaptable financing ideal for ongoing projects or emergencies, with competitive rates at the lower end of the range. For members prioritizing flexibility and transparent terms, ALLEGACY’s HELOC provides an accessible option in today’s market. For more details, visit https://www.allegacy.org/home-equity-loans/.
VYSTAR CREDIT UNION
As of September 18, 2025, VYSTAR’s HELOC rates remain steady at 4.000% to 18.000% APR, unchanged from a week ago. While no recent rate movement is observed, the broad APR range reflects flexible borrowing costs based on individual credit profiles and usage. Homeowners seeking adaptable financing may find the HELOC an attractive option for ongoing access to funds without fixed repayment terms. For those prioritizing rate stability, monitoring VYSTAR’s offerings for potential future changes is advisable. For more details, visit https://www.vystarcu.org/personal/rates/home-equity-loan-and-line-of-credit-rates.
SPACE COAST CREDIT UNION
As of September 18, 2025, SPACE COAST’s HELOC rates remain steady, holding firm between 4.240% and 7.750% over the past 30 days. This consistent range offers reliable borrowing costs for homeowners seeking flexible credit access. A HELOC is well-suited for those needing variable-rate options with ongoing access to funds, without rate fluctuations in recent weeks. While no fixed-rate home equity loans are currently listed, this stable HELOC pricing presents a dependable solution for managing home improvements or consolidating debt. For more details, visit https://www.sccu.com/personal/home-equity-loans/home-equity-line-of-credit-heloc.
UTAH COMMUNITY FEDERAL CREDIT UNION
As of September 18, 2025, UTAH COMMUNITY's HELOC rates remain stable, holding steady at 4.490% to 6.490% APR over the past 7 days. Compared to 30 days ago, the upper range has notably tightened from 9.490% to 6.490%, signaling improved affordability for borrowers. This consistency makes the HELOC option attractive for homeowners seeking flexible borrowing with predictable costs. For those needing revolving credit with competitive rates, this product provides a reliable solution without recent rate volatility. For more details, visit https://www.uccu.com/loans/personal/heloc/standard/.
MOUNTAIN AMERICA FEDERAL CREDIT UNION
As of September 18, 2025, MOUNTAIN AMERICA’s HELOC rates remain steady between 4.490% and 8.000%, consistent over the past 30 days, offering flexible borrowing options for homeowners seeking variable-rate access. Similarly, their Home Equity Loan rates hold firm at 7.240% to 8.240%, providing stable fixed-rate terms suitable for those preferring predictable payments. The unchanged rates suggest a stable market environment; borrowers valuing long-term certainty may find the fixed-rate home equity loans particularly attractive. For flexible funds with potential rate adjustments, the HELOC remains a practical choice. For more details, visit https://www.macu.com/rates/home#heloc.
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 .