Introduction
For homeowners looking to unlock the potential of their property, today’s home equity rates offer some encouraging opportunities. As of September 23, 2025, COMMONWEALTH Credit Union stands out with the lowest HELOC rates ranging from an attractive 1.990% to 7.250%, making it a compelling choice for borrowers seeking flexible access to funds. Whether you’re planning home renovations, funding education, or consolidating debt, tapping into your home equity can provide the financial boost needed without dipping into savings or high-interest credit cards. Borrowers who value competitive variable rates might find HELOCs particularly beneficial right now, especially since some credit unions have held steady without rate increases over the past month. On the other hand, if you prefer fixed-rate predictability, options like UNIVERSITY OF KENTUCKY’s home equity loan at 7.240% remain consistent and reliable. Understanding these nuances can help homeowners make informed decisions tailored to their unique financial goals.
Home Equity Loans
Credit Union
Product
2025-09-23
(Current Day)
(Current Day)
2025-09-16
(7 Days Ago)
(7 Days Ago)
2025-09-08
(15 Days Ago)
(15 Days Ago)
2025-08-24
(30 Days Ago)
(30 Days Ago)
2025-08-09
(45 Days Ago)
(45 Days Ago)
2025-07-25
(60 Days Ago)
(60 Days Ago)
2025-06-25
(90 Days Ago)
(90 Days Ago)
Heloc
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
1.990 - 8.990
4.990 - 8.990▲ 300 bps
Heloc
3.500 - 18.000
7.250 - 8.500▲ 375 bps
7.250 - 8.500▲ 375 bps
7.250 - 8.500▲ 375 bps
7.250 - 8.500▲ 375 bps
7.250 - 8.500▲ 375 bps
Heloc
3.990 - 11.750
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
Heloc
3.990 - 14.900
3.990 - 6.250
3.990 - 6.250
3.990 - 14.900
3.990 - 14.900
3.990 - 14.900
3.990 - 14.900
COMMONWEALTH FEDERAL CREDIT UNION
As of September 23, 2025, COMMONWEALTH’s HELOC rates remain steady at a range of 1.990% to 7.250% APR, unchanged over the past 15 days. This consistent pricing offers reliable access for homeowners seeking flexible borrowing options without rate fluctuations. While no fixed-rate home equity loans are listed this period, the stable HELOC terms provide an attractive solution for ongoing credit needs with transparent variable rates. Homeowners considering flexible funds for home improvements or other expenses may find these terms advantageous. For more details, visit https://www.ccuky.org/my-life/borrow/home-equity-line-of-credit.
STATE EMPLOYEES CU OF MARYLAND, INC CREDIT UNION
As of September 23, 2025, HELOC rates at State Employees CU of Maryland, Inc. have decreased notably on the low end from 4.990% to 1.990% compared to 7, 15, and 30 days ago, while the upper range remains steady at 8.990%. This shift presents an attractive opportunity for homeowners seeking flexible borrowing with significantly lower starting rates. HELOCs continue to offer adaptable access to home equity funds, ideal for varying financial needs. For detailed rate information and terms, visit https://www.secumd.org/rates-calculators/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of September 23, 2025, UNIVERSITY OF KENTUCKY's HELOC rates remain at a competitive range of 1.990% to 18.000% APR, showing a notable decrease from 6.500% a week and two weeks ago, highlighting increased affordability for flexible borrowing. Meanwhile, the fixed-rate Home Equity Loan holds steady at 7.240% APR, offering consistency for members seeking long-term predictability. Homeowners valuing adaptable access to funds may find the current HELOC terms particularly attractive, while those prioritizing stable payments should consider the fixed-rate home equity loan option. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
HORIZON CREDIT UNION
As of September 23, 2025, HORIZON’s HELOC rates remain steady between 2.990% and 18.000%, showing no change over the past 30 days. This stable range offers predictable borrowing costs for homeowners seeking flexible credit access. HELOCs are well-suited for those who prefer variable-rate options with ongoing draw availability, making them ideal for home improvements or emergency funds. While fixed-rate home equity loans are not currently listed, HORIZON’s consistent HELOC pricing provides a reliable option for members prioritizing liquidity and rate transparency. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION
As of September 23, 2025, the HELOC rates at CREDIT UNION OF COLORADO, A show a notable improvement with current rates ranging from 3.500% to 18.000% APR, compared to last month’s stable range of 7.250% to 8.500% APR. This significant drop in rates enhances affordability and flexibility for borrowers seeking revolving credit options. Homeowners looking for adaptable financing solutions may find these HELOCs especially attractive due to their variable terms and potential cost savings. For a comprehensive look at available home equity products and updated rates, visit https://www.cuofco.org/mortgage-rates.
AMERICU CREDIT UNION
As of September 23, 2025, AMERICU’s HELOC rates remain steady at 3.990% to 11.000%, reflecting a notable tightening compared to 30 days ago when the upper APR reached 15.000%. This narrowing range suggests improved affordability for borrowers seeking flexible credit access. Homeowners valuing adaptable borrowing may find these HELOC terms attractive for managing cash flow or home improvements. While fixed-rate options are not listed this period, the current HELOC spread indicates competitive pricing in today’s market. For more details, visit https://www.americu.org/home-equity-loans-lines/.
WESCOM CENTRAL CREDIT UNION
WESCOM CENTRAL’s HELOC rates remain steady at 3.990% to 11.750% APR, with the upper range slightly narrowing from 12.000% over the past month. This stability offers predictable borrowing costs for members seeking flexible home equity access. HELOCs are ideal for homeowners needing adaptable credit lines rather than fixed payments. With no significant rate increases, now is a practical time to consider a HELOC for variable borrowing needs. For more details, visit https://www.wescom.org/home-loans/home-equity.
BROADVIEW FEDERAL CREDIT UNION
As of September 23, 2025, BROADVIEW’s HELOC rates remain steady at a range of 3.990% to 14.900% APR, consistent with the rate observed 30 days ago. Notably, the upper APR has expanded from 6.250% to 14.900%, indicating wider rate variability in recent weeks. Homeowners seeking flexible borrowing options may find these HELOC terms appealing, especially for short-term needs or variable-rate preferences. Monitoring this range is essential for those considering a line of credit with BROADVIEW. For more details, visit https://www.broadviewfcu.com/personal/home-lending-solutions/home-equity-line-of-credit/.
ELEMENTS FINANCIAL FEDERAL CREDIT UNION
As of September 23, 2025, ELEMENTS FINANCIAL's HELOC rates remain steady at a range of 3.990% to 18.000% APR, unchanged from one week ago. This consistency provides homeowners with predictable costs when seeking flexible credit access. While no new rate shifts occurred recently, the broad APR range accommodates various borrower profiles, making the HELOC an attractive option for those needing adaptable borrowing solutions rather than fixed-term loans. For detailed terms and eligibility, visit https://www.elements.org/personal/loans/home-equity/.
LendMesh
Your home is more than a place—it’s a financial asset. With LendMesh, you can use that equity to take care of what matters most. From medical expenses to family support, find the right loan at https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re considering using your home equity soon, start by comparing current rates and terms carefully, especially focusing on the lowest available HELOC rates like those at COMMONWEALTH Credit Union. Keep in mind that variable-rate products may fluctuate, so weigh your comfort with potential changes against your borrowing needs. For those who prefer stability, fixed-rate loans could offer peace of mind even if rates are slightly higher. Importantly, evaluate your timeline and purpose for borrowing; short-term projects or debt consolidation might benefit more from flexible HELOCs, while longer-term investments may justify locking in a fixed rate now. Lastly, don’t rush, consult with your credit union’s loan officers to understand fees and repayment options fully. By being proactive and informed, you can confidently tap into your home’s value in a way that supports both your financial health and future plans.