Introduction
For homeowners looking to unlock the value in their homes, today’s home equity rates offer a range of options tailored to different financial goals. As of September 29, 2025, NEWPORT NEWS SHIPBUILDING EMPLOYEES Credit Union stands out with an exceptionally low HELOC starting at just 0.25%, making it an attractive choice for those seeking flexible access to funds for renovations, education expenses, or consolidating higher-interest debt. Fixed-rate loans remain steady here too, offering predictability with rates from 6.14%. Meanwhile, other credit unions like COMMONWEALTH and UNIVERSITY OF KENTUCKY present competitive HELOC ranges beginning around 1.99%, suitable for borrowers comfortable with variable rates but wanting some budget certainty. If you prefer a fixed-rate loan, Indiana Members Credit Union offers solid options in the mid-6% range. Whether you’re planning immediate home improvements or need financial breathing room, today’s varied rate landscape means there’s likely a product that fits your unique situation, especially if flexibility or the lowest possible rate is your priority.
Home Equity Loans
Credit Union
Product
2025-09-29
(Current Day)
(Current Day)
2025-09-22
(7 Days Ago)
(7 Days Ago)
2025-09-14
(15 Days Ago)
(15 Days Ago)
2025-08-30
(30 Days Ago)
(30 Days Ago)
2025-08-15
(45 Days Ago)
(45 Days Ago)
2025-07-31
(60 Days Ago)
(60 Days Ago)
2025-07-01
(90 Days Ago)
(90 Days Ago)
Heloc
0.250 - 9.240
6.490 - 9.240▲ 624 bps
6.490 - 9.240▲ 624 bps
6.490 - 9.240▲ 624 bps
Home Equity
6.140 - 9.240
6.140 - 9.240
6.140 - 9.240
6.140 - 9.240
6.140 - 9.240
6.140 - 9.240
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
Home Equity
6.625 - 6.750
6.625 - 8.625
6.875 - 8.625▲ 25 bps
6.875 - 7.000▲ 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
3.950 - 18.000
Home Equity
7.000 - 13.630
7.000 - 13.630
7.000 - 13.630
6.750 - 13.750▼ 25 bps
6.750 - 13.750▼ 25 bps
6.880 - 13.880▼ 12 bps
6.880 - 13.880▼ 12 bps
Heloc
3.990 - 11.750
3.990 - 11.750
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
Heloc
3.990 - 14.900
3.990 - 14.900
3.990 - 6.250
3.990 - 7.000
3.990 - 14.900
3.990 - 14.900
3.990 - 14.900
NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION
As of September 29, 2025, HELOC rates at Newport News Shipbuilding Employees range from 0.250% to 9.240% APR, showing a wider low-end spread compared to 15 days ago when the minimum was 6.490%. This suggests increased flexibility for borrowers seeking variable-rate credit lines. Meanwhile, Home Equity Loan rates remain steady between 6.140% and 9.240% APR across the past month, offering consistent fixed-rate options. Borrowers valuing predictable payments may find these long-term fixed loans attractive, while those needing flexible access might consider the HELOC’s broad rate range. For more details, visit https://www.bayportcu.org/rates/.
COMMONWEALTH FEDERAL CREDIT UNION
As of September 29, 2025, COMMONWEALTH's HELOC rates remain steady between 1.990% and 7.250% APR, unchanged over the past 30 days. This stability offers predictable borrowing costs for homeowners seeking flexible credit access. While no new rate shifts are evident, the broad rate range accommodates varying credit profiles and loan sizes. HELOCs continue to be an attractive option for those needing revolving credit with competitive pricing. For members considering home equity borrowing options, understanding this consistent rate environment is key to planning financial needs effectively. 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 29, 2025, UNIVERSITY OF KENTUCKY's HELOC rates remain steady at 1.990% to 18.000% APR, consistent with last week and showing no recent fluctuations. The fixed-rate Home Equity Loan holds firm at 7.240% APR over the past 30 days, offering predictability for borrowers seeking long-term stability. For homeowners needing flexible borrowing options, the HELOC provides a variable rate range, while those preferring fixed payments may find the Home Equity Loan’s stable rate appealing. These transparent rates support informed decisions tailored to your financial needs. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
HORIZON CREDIT UNION
As of September 29, 2025, HORIZON’s HELOC rates remain steady, holding at a range of 2.990% to 18.000% APR over the past 30 days. This stability provides homeowners with predictable borrowing costs when accessing home equity flexibly. While fixed-rate home equity loans are not listed, the consistent HELOC pricing offers an attractive option for those seeking adaptable credit lines without rate fluctuations. Homeowners interested in managing cash flow or financing projects incrementally may find these terms suitable. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION
For the week ending September 29, 2025, CREDIT UNION OF COLORADO, A maintains stable HELOC rates ranging from 3.500% to 18.000% APR, unchanged over the past 7 days. Notably, these rates have decreased significantly from mid-September levels, where APRs were between 7.250% and 8.500%. This wide rate range provides options for borrowers seeking flexible credit access or tailored borrowing costs. Homeowners looking for adaptable financing may find the current HELOC offerings particularly advantageous given the lower entry rates compared to earlier in the month. For more details, visit https://www.cuofco.org/mortgage-rates.
INDIANA MEMBERS CREDIT UNION
INDIANA MEMBERS’ HELOC rates remain stable at 3.900% to 7.750% APR, showing a slight narrowing compared to 15 days ago. Meanwhile, Home Equity Loan rates tightened, now ranging from 6.625% to 6.750% APR, improving from last month’s high end near 8.625%. The fixed-rate home equity option offers consistent long-term predictability for borrowers seeking stable payments. Conversely, the flexible HELOC is well-suited for homeowners needing access to funds on demand with competitive variable pricing. For more details, visit https://www.imcu.com/home-equity,
GESA CREDIT UNION
As of September 29, 2025, GESA's HELOC rates remain steady between 3.950% and 18.000%, providing consistent flexibility for homeowners seeking revolving credit. Meanwhile, Home Equity Loan rates hold firm at 7.000% to 13.630%, with a slight uptick from 6.750% thirty days ago on the low end, indicating stable but cautious lending conditions. The fixed-rate Home Equity Loan option is attractive for borrowers valuing predictable payments over time. For those needing adaptable access to funds, the unchanged HELOC rates offer dependable terms without surprises. 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.
WESCOM CENTRAL CREDIT UNION
As of September 29, 2025, WESCOM CENTRAL's HELOC rates remain steady, holding at 3.990% to 11.750% APR compared to one week ago. Over the past 30 days, the upper APR limit decreased slightly from 12.000% to 11.750%, indicating a modest improvement for borrowers with variable credit profiles. Homeowners seeking flexible borrowing options may find the HELOC appealing due to its competitive starting rate and adjustable terms that suit ongoing access needs. For those prioritizing stability, monitoring future fixed-rate offerings remains advisable. For more details, visit https://www.wescom.org/home-loans/home-equity,
BROADVIEW FEDERAL CREDIT UNION
As of September 29, 2025, BROADVIEW’s HELOC rates remain stable at a range of 3.990% to 14.900% APR, consistent with last week’s pricing. Compared to 15 and 30 days ago, the upper APR tier has increased notably from 6.250% and 7.000%, reflecting wider rate variability for higher-risk tiers. The low starting rate of 3.990% APR continues to offer an attractive option for homeowners seeking flexible credit access without fixed repayment terms. For borrowers prioritizing adjustable borrowing power with competitive entry rates, BROADVIEW’s HELOC remains a practical choice. For more details, visit https://www.broadviewfcu.com/personal/home-lending-solutions/home-equity-line-of-credit/.
LendMesh
You don’t need to be a financial expert to find a great loan. LendMesh helps you compare rates, terms, and lenders with confidence. Make equity work for your goals: https://www.lendmesh.com/loans/home_equity_loans .
Customers Also Interested In
Conclusion
If you’re considering tapping into your home equity now, start by assessing how much flexibility you need. A HELOC can provide ongoing access at competitive variable rates like the standout 0.25% from Newport News Shipbuilding Employees CU, perfect for projects or expenses over time. However, if you prefer predictable monthly payments and stable interest costs, a fixed-rate home equity loan may be smarter despite slightly higher starting rates. Keep an eye on your credit union’s recent trends, many rates have held steady over the past month, suggesting a stable borrowing environment for now. Before applying, review your budget carefully and consider potential rate changes if choosing a HELOC. Lastly, don’t rush: if your renovation or debt consolidation plans aren’t urgent, waiting for potential future shifts in interest rates might save money. But if locking in affordable financing today helps you meet your goals sooner, these competitive credit union options are worth exploring immediately.