Introduction
For homeowners looking to unlock the potential of their property, today’s home equity rates on September 26, 2025, offer some promising opportunities. Whether you’re planning a renovation, funding education, or consolidating debt, the lowest HELOC rate available is an attractive 1.990% at State Employees CU of Maryland and Commonwealth Credit Union. This is a standout deal for borrowers seeking flexible access to funds with competitive pricing. While some credit unions like Royal and Credit Union of Colorado have seen wider rate ranges recently, those looking for stability might consider fixed-rate loans such as the University of Kentucky’s Home Equity Loan at a steady 7.240%. If you prefer variable rates with potential savings, now could be the time to explore your options, especially if you qualify for the best tier rates offered today.
Home Equity Loans
Credit Union
Product
2025-09-26
(Current Day)
(Current Day)
2025-09-19
(7 Days Ago)
(7 Days Ago)
2025-09-11
(15 Days Ago)
(15 Days Ago)
2025-08-27
(30 Days Ago)
(30 Days Ago)
2025-08-12
(45 Days Ago)
(45 Days Ago)
2025-07-28
(60 Days Ago)
(60 Days Ago)
2025-06-28
(90 Days Ago)
(90 Days Ago)
Heloc
1.990 - 8.990
4.990 - 8.990▲ 300 bps
4.990 - 8.990▲ 300 bps
1.990 - 8.990
4.990 - 8.990▲ 300 bps
4.990 - 8.990▲ 300 bps
4.990 - 8.990▲ 300 bps
Heloc
3.000 - 18.000
3.000 - 7.500
6.750 - 7.500▲ 375 bps
3.000 - 7.500
3.000 - 7.500
3.000 - 7.500
6.750 - 7.500▲ 375 bps
Heloc
3.500 - 18.000
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
Heloc
3.900 - 7.750
3.900 - 7.250
3.900 - 8.000
3.900 - 7.500
3.900 - 7.500
3.900 - 8.000
Home Equity
6.625 - 6.750
6.625 - 6.750
6.875 - 8.625▲ 25 bps
7.000 - 8.625▲ 37.5 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
7.000 - 13.630
7.000 - 13.630
7.000 - 13.630
6.750 - 13.750▼ 25 bps
6.880 - 13.880▼ 12 bps
6.880 - 13.880▼ 12 bps
Heloc
3.990 - 6.250
3.990 - 6.250
3.990 - 14.900
3.990 - 7.000
3.990 - 14.900
3.990 - 14.900
3.990 - 14.900
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
STATE EMPLOYEES CU OF MARYLAND, INC CREDIT UNION
As of September 26, 2025, HELOC rates at STATE EMPLOYEES CU OF MARYLAND, INC show a notable decline on the lower end, dropping from 4.990% to 1.990% compared to 7 and 15 days ago, while the upper range remains steady at 8.990%. This provides an attractive opportunity for borrowers seeking flexible credit with competitive introductory pricing. Homeowners interested in variable-rate borrowing should consider these HELOCs for versatile access to funds with potentially lower initial costs. For more details, visit https://www.secumd.org/rates-calculators/.
COMMONWEALTH FEDERAL CREDIT UNION
As of September 26, 2025, COMMONWEALTH’s HELOC rates remain steady at a range of 1.990% to 16.750% APR, with no change compared to one week ago but showing an extended upper range increase since earlier periods. This wide rate spread reflects varied borrower profiles and credit factors. Homeowners seeking flexible borrowing options may find the HELOC appealing for managing cash flow or home improvements. For precise details and eligibility, visit https://www.ccuky.org/my-life/borrow/home-equity-line-of-credit.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of September 26, 2025, University of Kentucky’s HELOC rates remain stable with a broad range from 1.990% to 18.000% APR, unchanged over the past week and consistent with recent figures. The fixed-rate Home Equity Loan holds steady at 7.240% APR, offering a reliable option for borrowers seeking predictable payments. For homeowners needing flexible access to funds, the HELOC presents a versatile solution with competitive starting rates. Meanwhile, those preferring long-term stability may find the fixed Home Equity Loan attractive due to its consistent rate. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity,
ROYAL CREDIT UNION
As of September 26, 2025, ROYAL's HELOC rates show a notable widening in range, with today's spread at 3.000% to 18.000% APR, compared to a narrower 3.000% to 7.500% one week ago and over the past month. This increase primarily reflects higher maximum APRs, while the minimum rate remains stable at 3.000%. Homeowners seeking flexible borrowing should consider these HELOCs for their adjustable access to funds despite the broader rate variance. For more details, visit https://www.rcu.org/loans-credit/home-mortgage-loans/home-equity-line-of-credit#rates,
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION
As of September 26, 2025, HELOC rates at CREDIT UNION OF COLORADO, A remain steady, with current APRs ranging from 3.500% to 18.000%, unchanged from one week ago. Notably, rates have decreased significantly compared to 15 and 30 days ago when APRs ranged from 7.250% to 8.500%. This drop highlights an attractive window for homeowners seeking flexible borrowing through HELOCs, which offer variable access to funds and potential cost savings. Members considering home equity financing should evaluate these competitive rates for flexible credit lines aligned with their financial plans.
For more details, visit https://www.cuofco.org/mortgage-rates,
INDIANA MEMBERS CREDIT UNION
As of September 26, 2025, INDIANA MEMBERS’ HELOC rates remain stable at 3.900% to 7.750% APR, showing a slight increase in the upper range compared to 7 days ago. Over the past 30 days, HELOC rates have varied modestly, with the top end fluctuating between 7.250% and 8.000%. The Home Equity Loan fixed rates hold steady between 6.625% and 6.750% APR, offering an attractive long-term borrowing option compared to last month’s higher maximum rates. For homeowners seeking flexible credit access, HELOCs provide variable-rate benefits, while fixed-rate home equity loans offer predictable payments for budget-conscious borrowers. For more details, visit https://www.imcu.com/home-equity.
GESA CREDIT UNION
As of September 26, 2025, GESA’s HELOC rates remain steady between 3.950% and 18.000%, showing no change over the past 30 days. This consistency offers predictable costs for borrowers seeking flexible credit access. Meanwhile, Home Equity Loan rates hold firm from 7.000% to 13.630%, with a slight uptick from 6.750% at the low end 30 days ago. Fixed-rate home equity loans provide stability for members planning long-term financing needs, while HELOCs suit those needing variable access to funds. For more details, visit https://www.gesa.com/contents/home-equity-loan/#home-equity-notes:~:text=Rates%20as%20low%20as%206.88%25%20%E2%80%93%2013.88%25,
BROADVIEW FEDERAL CREDIT UNION
As of September 26, 2025, BROADVIEW’s HELOC rates remain stable at 3.990% to 6.250%, unchanged from a week ago but significantly improved from 15 days prior when the upper APR reached 14.900%. Over the past month, the maximum APR decreased from 7.000% to 6.250%, reflecting a positive trend for borrowers seeking flexible credit access. HELOCs continue to offer attractive variable-rate options for homeowners needing adaptable borrowing solutions without locking into fixed terms. For more details, visit https://www.broadviewfcu.com/personal/home-lending-solutions/home-equity-line-of-credit/.
WESCOM CENTRAL CREDIT UNION
As of September 26, 2025, WESCOM CENTRAL's HELOC rates remain stable, holding steady at a range of 3.990% to 11.750% APR compared to last week’s top rate of 12.000%. This slight narrowing suggests modest improvement in borrowing costs for flexible home equity access. Homeowners seeking adaptable financing may find these HELOC terms attractive for managing expenses without fixed monthly payments. Monitoring this product is advisable for those valuing credit line versatility alongside competitive pricing.
For more details, visit https://www.wescom.org/home-loans/home-equity.
LendMesh
Life doesn’t wait. If you need access to cash today, a home equity line of credit can offer flexibility for tomorrow. Explore flexible HELOC options from real lenders at https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re considering tapping into your home equity, now is an excellent moment to shop around and compare rates carefully. The key is to match your financial goals with the right product, HELOCs provide flexibility for ongoing expenses like renovations or education, while fixed-rate loans offer predictable payments ideal for debt consolidation. Keep an eye on recent trends; some credit unions show volatility in their ranges, which could impact your monthly costs. Before committing, verify your credit score and loan terms to secure the best possible rate. And remember, borrowing wisely means factoring in how long you plan to hold the loan and your repayment ability. Whether locking in a low fixed rate or opting for a HELOC’s convenience, taking action with informed confidence can help you make the most of your home’s equity today.