Introduction
If you’re considering using your home equity now, focus on locking in the best terms that fit your financial goals. For projects or expenses where predictability is key, like major renovations or tuition payments, a fixed-rate home equity loan might offer peace of mind despite slightly higher rates. However, if you want access to funds over time and prefer paying interest only on what you use, a HELOC with today’s low introductory rates could save you money upfront. Keep in mind that rates can vary widely among credit unions and change quickly; checking back regularly or speaking directly with lenders can help you seize timely offers. Also, be sure to assess your repayment ability carefully, equity borrowing is a powerful tool but requires responsible management to protect your home investment. Ultimately, whether you borrow now or later, prioritize transparency about fees and terms alongside interest rates to make the smartest choice for your unique situation.
Home Equity Loans
Credit Union
Product
2025-10-03
(Current Day)
(Current Day)
2025-09-26
(7 Days Ago)
(7 Days Ago)
2025-09-18
(15 Days Ago)
(15 Days Ago)
2025-09-03
(30 Days Ago)
(30 Days Ago)
2025-08-19
(45 Days Ago)
(45 Days Ago)
2025-08-04
(60 Days Ago)
(60 Days Ago)
2025-07-05
(90 Days Ago)
(90 Days Ago)
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
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
6.500▲ 451 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
7.250 - 8.500▲ 375 bps
Heloc
3.900 - 7.750
3.900 - 7.750
3.900 - 7.250
3.900 - 8.000
3.900 - 7.500
3.900 - 7.500
Home Equity
6.625 - 6.750
6.625 - 6.750
6.625 - 6.750
6.875 - 7.000▲ 25 bps
7.000 - 8.625▲ 37.5 bps
Heloc
3.990 - 6.000
3.990 - 14.900
3.990 - 6.250
3.990 - 7.000
3.990 - 14.900
3.990 - 14.900
3.990 - 6.250
Heloc
3.990
4.990 - 7.490▲ 100 bps
4.990 - 7.490▲ 100 bps
4.990 - 7.740▲ 100 bps
4.990 - 7.740▲ 100 bps
6.740 - 7.740▲ 275 bps
Home Equity
7.990 - 9.740
7.990 - 10.740
7.990 - 10.740
7.990 - 10.740
7.990 - 10.740
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
3.990 - 12.000
NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION
As of October 3, 2025, HELOC rates at Newport News Shipbuilding Employees Credit Union range from 0.250% to 9.240%, marking the first available update with no prior data for comparison. The Home Equity Loan rates remain steady between 6.140% and 9.240%, unchanged over the past month. For borrowers seeking predictable payments, the fixed-rate Home Equity Loans offer stability, while HELOCs provide flexible access to funds with competitive variable rates starting as low as 0.250%. Consider your financial needs carefully when choosing between these products. For more details, visit https://www.bayportcu.org/rates/.
COMMONWEALTH FEDERAL CREDIT UNION
COMMONWEALTH’s HELOC rates remain steady at 1.990% to 7.000% APR, showing significant improvement from 7 days ago when the upper APR was as high as 16.750%. Over the past 30 days, rates have stabilized near current levels after a notable decline from 7.250%. This consistent range offers an attractive option for homeowners seeking flexible borrowing with competitive costs. HELOCs may appeal to those needing adaptable credit lines rather than fixed payments. For more details, visit https://www.ccuky.org/my-life/borrow/home-equity-line-of-credit.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of October 3, 2025, UNIVERSITY OF KENTUCKY’s HELOC rates remain steady between 1.990% and 18.000% APR, consistent over the past 15 days, with a notable decrease from 6.500% APR reported 30 days ago. The fixed-rate Home Equity Loan holds firm at 7.240%, providing a reliable long-term borrowing option without recent fluctuations. For homeowners seeking flexible credit access, HELOCs offer variable rates suited to changing needs; meanwhile, the stable fixed-rate home equity loan supports predictable monthly payments. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity,
HORIZON CREDIT UNION
As of October 3, 2025, HORIZON’s HELOC rates remain steady, ranging from 2.990% to 18.000% APR, consistent with levels seen over the past month. This stable rate environment supports homeowners seeking flexible borrowing options without rate volatility. The broad rate range accommodates varying credit profiles and loan amounts, making HELOCs an attractive choice for those needing adaptable access to home equity. For members prioritizing predictable payments, monitoring for potential fixed-rate offerings remains advisable. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION
As of October 3, 2025, HELOC rates at CREDIT UNION OF COLORADO, A remain steady at 3.500% to 18.000%, unchanged over the past week but significantly lower than mid-September’s range of 7.250% to 8.500%. This sharp decline highlights a more accessible borrowing window for flexible home equity credit. HELOCs continue to be an attractive option for homeowners seeking variable-rate financing with flexible access to funds. For borrowers prioritizing rate stability or fixed terms, monitoring future updates is advisable as no fixed-rate products are currently listed.
For more details, visit https://www.cuofco.org/mortgage-rates.
INDIANA MEMBERS CREDIT UNION
As of October 3, 2025, INDIANA MEMBERS HELOC rates remain stable, holding steady between 3.900% and 7.750% over the past week, with a slight rise from the lower end observed 15 days ago. The upper range has tightened compared to 30 days ago when it peaked at 8.000%. Meanwhile, fixed-rate Home Equity Loans offer competitive rates from 6.625% to 6.750%, unchanged for the last 15 days. For homeowners seeking predictable payments, these fixed terms present an attractive option. Those needing flexible borrowing may find the current HELOC rates advantageous for ongoing access to funds. For more details, visit https://www.imcu.com/home-equity.
BROADVIEW FEDERAL CREDIT UNION
As of October 3, 2025, BROADVIEW’s HELOC rates remain steady at 3.990% to 6.000%, showing a significant narrowing from the wider range seen 7 days ago (up to 14.900%). Over the past 30 days, the upper APR limit has tightened from 7.000% to 6.000%, indicating improved borrowing costs for flexible credit access. HELOCs continue to offer homeowners convenient, variable-rate financing with competitive low starting rates. Those seeking adaptable funds may find this product especially beneficial given the recent rate stabilization. For more details, visit https://www.broadviewfcu.com/personal/home-lending-solutions/home-equity-line-of-credit/.
FRANKLIN MINT FEDERAL CREDIT UNION
As of October 3, 2025, FRANKLIN MINT’s HELOC rates have notably decreased to 3.990%, down from a range of 4.990% to 7.490% over the past 30 days, reflecting improved affordability for flexible borrowing. Conversely, Home Equity Loan rates remain steady between 7.990% and 9.740%, offering consistent fixed-rate options for borrowers seeking long-term stability. Homeowners valuing adaptable credit access may find the current HELOC rate at 3.990% particularly advantageous, while those prioritizing predictable payments can consider fixed-rate home equity loans. For more details, visit https://www.fmfcu.org/rates/.
WESCOM CENTRAL CREDIT UNION
As of October 3, 2025, WESCOM CENTRAL's HELOC rates remain steady, with a range of 3.990% to 11.750% APR, unchanged from one week ago and slightly improved from 15 and 30 days ago when the upper APR was 12.000%. This stability suggests consistent borrowing costs for flexible credit access. HELOCs offer homeowners adaptable financing options for ongoing expenses or renovations without locking into fixed payments. For those seeking predictable payments, monitoring WESCOM’s fixed-rate offerings is advisable. For more details, visit https://www.wescom.org/home-loans/home-equity.
LendMesh
Your home’s value is growing—why not put it to work? With LendMesh, you can explore flexible home equity loan and HELOC options from trusted lenders. Compare real offers, make smart decisions, and start your next chapter at https://www.lendmesh.com/loans/home_equity_loans .