Introduction
For homeowners considering a home equity line of credit (HELOC) or a fixed-rate home equity loan, today’s market offers some compelling opportunities. As of October 10, 2025, COMMONWEALTH Credit Union leads with the lowest HELOC rates starting at just 1.990%, making it an excellent option for those seeking flexible funds for renovations, education expenses, or debt consolidation. Borrowers looking for stability might consider fixed-rate options like the UNIVERSITY OF KENTUCKY’s home equity loan at a steady 7.240%. While some credit unions have maintained consistent rates over the past month, others show slight fluctuations, highlighting the importance of timing and shopping around. Whether you need quick access to funds or prefer predictable payments, today’s rate landscape favors savvy homeowners ready to leverage their property’s value wisely.
Home Equity Loans
Credit Union
Product
2025-10-10
(Current Day)
(Current Day)
2025-10-03
(7 Days Ago)
(7 Days Ago)
2025-09-25
(15 Days Ago)
(15 Days Ago)
2025-09-10
(30 Days Ago)
(30 Days Ago)
2025-08-26
(45 Days Ago)
(45 Days Ago)
2025-08-11
(60 Days Ago)
(60 Days Ago)
2025-07-12
(90 Days Ago)
(90 Days Ago)
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
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 - 7.750
3.900 - 7.750
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 - 8.625▲ 25 bps
7.000 - 8.625▲ 37.5 bps
Heloc
3.990
3.990 - 11.750
3.990 - 11.750
5.625 - 6.000▲ 163.5 bps
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
Heloc
3.990 - 5.750
3.990 - 14.900
3.990 - 6.250
3.990 - 6.250
3.990 - 6.250
3.990 - 14.900
3.990 - 14.900
COMMONWEALTH FEDERAL CREDIT UNION
As of October 10, 2025, COMMONWEALTH’s HELOC rates remain steady, holding at a range of 1.990% to 7.000% APR over the past week. Notably, the high-end APR has tightened significantly from 16.750% fifteen days ago to 7.000% today, reflecting improved borrowing costs for variable-rate home equity lines. This stability makes HELOCs an attractive option for homeowners seeking flexible access to credit with competitive rates. Those prioritizing predictable payments should monitor for fixed-rate offerings as they become available. 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 10, 2025, UNIVERSITY OF KENTUCKY’s HELOC rates remain stable, ranging from 1.990% to 18.000% APR, consistent over the past 30 days except for a higher fixed rate of 6.500% reported a month ago. The Home Equity Loan rate holds steady at 7.240%, offering a reliable fixed-rate option for borrowers seeking predictability. Homeowners valuing flexibility may find the broad HELOC range appealing, while those preferring long-term certainty should consider the fixed Home Equity Loan. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
FAIRWINDS CREDIT UNION
As of October 10, 2025, FAIRWINDS’ HELOC rates show a significant shift with the current range at 2.050% to 18.000%, down from a high of 7.300% thirty days ago. This notable decrease highlights an attractive option for homeowners seeking flexible borrowing solutions with variable access to funds. While fixed-rate home equity loans are not listed here, the competitive HELOC rates make them appealing for those needing adaptable credit lines rather than long-term fixed payments. For more details, visit https://www.fairwinds.org/personal/mortgages/home-equity-loan/fixed-rate-home-equity-loans.
HORIZON CREDIT UNION
As of October 10, 2025, HORIZON’s HELOC rates remain steady, ranging from 2.990% to 18.000% APR with no changes over the past 30 days. This consistency offers predictability for borrowers seeking flexible credit access. Homeowners interested in variable-rate products may find these HELOC terms attractive for managing ongoing expenses or home improvements without locking into long-term fixed payments. For those prioritizing rate stability, exploring fixed-rate home equity loans elsewhere might be beneficial. 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 10, 2025, HELOC rates at Credit Union of Colorado, A remain steady between 3.500% and 18.000%, unchanged over the past 15 days. Notably, these rates have decreased significantly compared to 30 days ago when the range was 7.250% to 8.500%. This stability at lower levels offers an attractive option for homeowners seeking flexible borrowing with access to funds as needed. HELOCs may appeal to members prioritizing variable-rate credit lines for home improvements or debt consolidation. For more details, visit https://www.cuofco.org/mortgage-rates,
INDIANA MEMBERS CREDIT UNION
As of October 10, 2025, INDIANA MEMBERS’ HELOC rates remain steady between 3.900% and 7.750%, unchanged over the past 30 days after a slight decrease from 8.000%. This stability benefits members seeking flexible borrowing options with variable rates. The Home Equity Loan fixed rates hold firm at 6.625% to 6.750%, providing attractive long-term predictability for borrowers preferring fixed payments. Homeowners looking for flexibility may consider the HELOC, while those prioritizing consistent monthly costs might favor the fixed-rate home equity loan. For more details, visit https://www.imcu.com/home-equity.
MID-HUDSON VALLEY FEDERAL CREDIT UNION
As of October 10, 2025, the MID-HUDSON VALLEY HELOC rate stands at a competitive 3.990%, with no prior data available for comparison. This rate offers flexible borrowing options suitable for homeowners seeking access to funds without fixed repayment terms. While fixed-rate home equity loans are not listed currently, the stable HELOC rate provides an attractive solution for variable borrowing needs. Homeowners considering ongoing or future expenses may find this product beneficial due to its adaptability and competitive pricing. For more details, visit https://www.mhvfcu.com/borrow/home-equity/home-equity-line-of-credit/.
WESCOM CENTRAL CREDIT UNION
As of October 10, 2025, WESCOM CENTRAL's HELOC rate holds steady at 3.990%, unchanged from 7 and 15 days ago but notably lower than the range of 5.625% to 6.000% seen 30 days prior. This stability at a competitive rate offers homeowners flexible borrowing options with predictable costs. For those seeking adaptable access to home equity funds, the HELOC at 3.990% remains an attractive choice in today’s market. For more details, visit https://www.wescom.org/home-loans/home-equity.
BROADVIEW FEDERAL CREDIT UNION
As of October 10, 2025, BROADVIEW's HELOC rates remain stable at a range of 3.990% to 5.750%, showing a significant narrowing from the wider spread seen 7 days ago when the upper APR reached 14.900%. Over the past 30 days, rates have tightened slightly on the upper end from 6.250% to 5.750%. This stability and reduced maximum APR make HELOCs an attractive option for homeowners seeking flexible credit access with predictable costs. Those considering borrowing should evaluate their usage patterns against these competitive rates to determine if a HELOC fits their financial needs. For more details, visit https://www.broadviewfcu.com/personal/home-lending-solutions/home-equity-line-of-credit/.
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Conclusion
If you’re ready to tap into your home equity, now is a good time to compare HELOC and fixed-rate loan offers closely, especially from credit unions like COMMONWEALTH and UNIVERSITY OF KENTUCKY that provide competitive rates. Remember, HELOCs offer flexibility with variable rates starting low but watch for potential increases, while fixed-rate loans provide payment certainty over time. For those hesitant about rising rates or market shifts, waiting for further stabilization could be wise, but keep monitoring rates regularly. Lastly, always assess your repayment ability and long-term goals before borrowing against your home. Consult with your credit union advisor to find tailored solutions that fit your financial needs and maximize your home’s value safely and effectively.