Introduction
If you’re a homeowner looking to finance a home renovation, education expenses, or consolidate debt, tapping into your home equity can be a smart move. As of September 19, 2025, the lowest HELOC rates start as low as 1.99% at Commonwealth and University of Kentucky credit unions, offering some of the most competitive borrowing options available today. Whether you prefer the flexibility of a Home Equity Line of Credit or the predictability of a fixed-rate home equity loan, these options can help you unlock funds while keeping costs manageable. Borrowers with strong credit profiles and stable income will especially benefit from these attractive rates, enabling them to fund their goals efficiently without overpaying in interest. Keep an eye on week-to-week changes, while most rates remain steady, University of Kentucky’s HELOC saw a notable dip from 6.5% to as low as 1.99%, highlighting potential savings for quick decision-makers.
Home Equity Loans
Credit Union
Product
2025-09-19
(Current Day)
(Current Day)
2025-09-12
(7 Days Ago)
(7 Days Ago)
2025-09-04
(15 Days Ago)
(15 Days Ago)
2025-08-20
(30 Days Ago)
(30 Days Ago)
2025-08-05
(45 Days Ago)
(45 Days Ago)
2025-07-21
(60 Days Ago)
(60 Days Ago)
Heloc
3.900 - 7.250
3.900 - 8.000
3.900 - 8.000
3.900 - 7.500
3.900 - 7.500
3.900 - 8.000
Heloc
3.990 - 6.250
3.990 - 6.250
3.990 - 7.000
3.990 - 14.900
3.990 - 14.900
3.990 - 7.000
Heloc
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
COMMONWEALTH FEDERAL CREDIT UNION
As of September 19, 2025, COMMONWEALTH’s HELOC rates remain steady, holding between 1.990% and 7.250% APR over the past 30 days. This stable range provides consistent borrowing costs for homeowners seeking flexible credit access. While no recent rate changes occurred, the broad APR spread accommodates various credit profiles and borrowing needs. HELOCs are ideal for homeowners who prefer revolving credit with variable rates versus fixed-term loans. For members prioritizing adaptable funding options, COMMONWEALTH’s HELOC offering remains a reliable solution. For more details, visit https://www.ccuky.org/my-life/borrow/home-equity-line-of-credit.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of September 19, 2025, UNIVERSITY OF KENTUCKY's HELOC rates remain stable at a broad range of 1.990% to 18.000%, unchanged from 7 and 15 days ago. This wide spread accommodates various credit profiles and borrowing needs, offering flexible access for homeowners seeking short-term or variable-rate financing. Meanwhile, the fixed-rate Home Equity Loan holds steady at 7.240%, providing a predictable repayment option for those preferring long-term stability. For members prioritizing consistent payments, the fixed-rate loan is an attractive choice; those valuing flexibility should consider the versatile HELOC options. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
HORIZON CREDIT UNION
As of September 19, 2025, HORIZON’s HELOC rate remains steady at 2.990%, unchanged from 7 and 15 days ago. This consistent low rate offers an attractive option for homeowners seeking flexible access to equity without the commitment of a fixed term. While no new home equity loan rates are listed, the stable HELOC pricing supports effective financial planning for variable borrowing needs. Homeowners interested in adaptable credit lines may find this product especially beneficial. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
INDIANA MEMBERS CREDIT UNION
As of September 19, 2025, HELOC rates at Indiana Members remain steady at 3.900% to 7.250%, showing a slight improvement from 7.500% thirty days ago on the upper end. This makes HELOCs an attractive choice for homeowners seeking flexible borrowing with competitive variable rates. Meanwhile, the Home Equity Loan fixed rates tightened to 6.625% - 6.750%, improving from 6.875% - 7.000% last month. These fixed-rate loans offer predictability for members planning long-term financing needs. For Indiana homeowners, both options provide accessible lending solutions tailored to varying financial goals. For more details, visit https://www.imcu.com/home-equity,
BROADVIEW FEDERAL CREDIT UNION
As of September 19, 2025, BROADVIEW’s HELOC rates remain steady at 3.990% to 6.250% APR, unchanged over the past week. Notably, the upper APR limit has significantly decreased from 14.900% thirty days ago, reflecting improved borrowing conditions for flexible home equity access. This stable rate environment benefits homeowners seeking variable-rate options with manageable costs. HELOCs offer flexible credit lines ideal for ongoing expenses or home improvements compared to fixed-rate loans. For more details, visit https://www.broadviewfcu.com/personal/home-lending-solutions/home-equity-line-of-credit/.
AMERICU CREDIT UNION
As of September 19, 2025, AMERICU's HELOC rates remain steady at a range of 3.990% to 11.000%, holding consistent over the past week. Notably, the top end of the rate spectrum has narrowed significantly from 15.000% thirty days ago, reflecting improved affordability for borrowers with varying credit profiles. HELOCs offer flexible borrowing options for homeowners who prefer revolving credit rather than fixed payments. This product is particularly suitable for those seeking access to funds on demand without committing to a fixed loan term. For more details, visit https://www.americu.org/home-equity-loans-lines/.
WESCOM CENTRAL CREDIT UNION
As of September 19, 2025, WESCOM CENTRAL's HELOC rates remain steady between 3.990% and 12.000% APR, showing no change over the past 15 and 30 days. This consistent rate range provides predictable access to flexible credit for homeowners. HELOCs are well-suited for those seeking variable-rate borrowing with ongoing access to funds, ideal for home improvements or emergency needs. Borrowers should assess their financial goals when considering a HELOC’s variable nature versus fixed-rate options elsewhere. For more details, visit https://www.wescom.org/home-loans/home-equity.
ELEMENTS FINANCIAL FEDERAL CREDIT UNION
ELEMENTS FINANCIAL currently offers a HELOC with rates ranging from 3.990% to 18.000% APR, newly available this week. Since no prior data exists, trends can’t be assessed yet. This flexible HELOC option suits homeowners seeking revolving credit for home improvements or unexpected expenses. For borrowers prioritizing adaptable access over fixed terms, this product provides competitive entry rates. For more details, visit https://www.elements.org/personal/loans/home-equity/.
LISTERHILL CREDIT UNION
As of September 19, 2025, LISTERHILL's HELOC rate remains steady at 4.000%, unchanged over the past 15 days. This consistent rate offers a reliable option for homeowners seeking flexible borrowing with access to funds as needed. While no new rate shifts are evident, the stable HELOC at 4.000% continues to be an attractive choice for those prioritizing adaptable credit lines over fixed-term loans. Homeowners interested in managing cash flow or financing projects may find this product particularly useful. For more details, visit https://listerhill.com/borrowing/loans/home.
LendMesh
Your financial goals are unique—and so is your home equity. Whether you're looking for a one-time loan or revolving credit, LendMesh lets you find the right match with ease. Compare at https://www.lendmesh.com/loans/home_equity_loans and move forward with confidence.
Conclusion
Before you dive into using your home equity, take time to assess your financial goals and compare offers carefully. If you need flexibility and plan for ongoing expenses like education or phased renovations, a HELOC with rates starting under 2% could be ideal. On the other hand, if you want steady payments for a one-time project or debt consolidation, consider fixed-rate home equity loans like those at Indiana Members or University of Kentucky. Remember to check for any fees or rate adjustments tied to your credit union’s program and ensure your budget comfortably covers payments even if rates rise. If rates seem favorable today but you’re not in urgent need, monitoring weekly updates may uncover even better deals soon. Ultimately, borrow responsibly by choosing terms that align with your timeline and repayment ability, turning your home’s value into a powerful resource for achieving your dreams without financial strain.