Introduction
As of October 17, 2025, homeowners looking to tap into their home equity have some noteworthy options to consider. Whether you’re planning a home renovation, funding education, or consolidating debt, finding the right financing can make all the difference. For those seeking flexibility with variable rates, Commonwealth Credit Union offers an attractive HELOC range starting as low as 1.990%, providing an affordable way to access funds when you need them. On the other hand, if you prefer a fixed-rate loan for predictable payments, Diamond’s Home Equity loans feature competitive rates starting at 5.460%, appealing to borrowers who value stability. It’s also important to note that while some rates have held steady over the past month, others like University of Kentucky’s HELOC maintain a wide range up to 18%, highlighting the importance of personalized qualification and terms. Today’s market favors savvy homeowners ready to compare programs closely and choose what best fits their financial goals.
Home Equity Loans
Credit Union
Product
2025-10-17
(Current Day)
(Current Day)
2025-10-10
(7 Days Ago)
(7 Days Ago)
2025-10-02
(15 Days Ago)
(15 Days Ago)
2025-09-17
(30 Days Ago)
(30 Days Ago)
2025-09-02
(45 Days Ago)
(45 Days Ago)
2025-08-18
(60 Days Ago)
(60 Days Ago)
2025-07-19
(90 Days Ago)
(90 Days Ago)
Heloc
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
6.500▲ 451 bps
6.500▲ 451 bps
NOTRE DAME FEDERAL CREDIT UNION
As of October 17, 2025, NOTRE DAME Credit Union’s HELOC rates range from 7.250% to 7.750%, with no prior data available for comparison. This flexible line of credit is a practical choice for homeowners seeking adaptable borrowing options rather than fixed-term loans. While fixed-rate products are not currently listed, the existing HELOC terms offer competitive access to home equity funds. For borrowers prioritizing flexibility and ongoing access to funds, these rates remain relevant. For more details, visit https://notredamefcu.com/rates/.
CHEVRON FEDERAL CREDIT UNION
As of October 17, 2025, CHEVRON’s Home Equity Loan rates remain steady, ranging from 7.990% to 8.169% APR, consistent with the past 30 days. This stability offers predictability for borrowers seeking fixed-rate home equity financing. The upper range reflects slightly higher pricing for longer terms or credit tiers. For homeowners preferring flexible borrowing options, CHEVRON’s HELOC programs provide competitive alternatives, although specific HELOC rates are not listed here. Consider your financial goals when choosing between fixed loans and lines of credit to maximize benefits. For more details, visit https://www.chevronfcu.org/rates/heloc,
HERITAGE FEDERAL CREDIT UNION
HERITAGE’s current Home Equity Loan rates range from 6.875% to 10.500%, providing options for various credit profiles and borrowing needs. Since no prior data is available for comparison, this week’s rates establish a baseline for borrowers considering fixed-rate home equity financing. These loans offer a stable repayment schedule, making them suitable for homeowners seeking predictable monthly payments. For flexible borrowing, HELOCs remain an alternative, though HERITAGE’s current update focuses solely on Home Equity Loans. For more details, visit https://www.heritagefederal.org/personal-banking/loans-and-credit-cards/loan-rates/home-equity-and-improvement-rates.
COMMONWEALTH FEDERAL CREDIT UNION
As of October 17, 2025, COMMONWEALTH's HELOC rates remain steady, holding at a range of 1.990% to 7.000% APR over the past week. Notably, the upper APR has improved from 7.250% fifteen and thirty days ago, reflecting a modest tightening in borrowing costs for flexible home equity access. HELOCs continue to offer competitive variable rates, appealing to homeowners seeking adaptable credit lines for ongoing expenses or home projects. Monitoring these rates can help members optimize borrowing strategies amid market shifts. 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 17, 2025, UNIVERSITY OF KENTUCKY's HELOC rates remain steady between 1.990% and 18.000%, showing no change over the past 30 days. Meanwhile, the fixed-rate Home Equity Loan holds firm at 7.240%. The consistent HELOC range offers flexible borrowing options for homeowners seeking variable access to funds, while the stable fixed-rate loan provides predictable payments for long-term planning. Borrowers valuing rate certainty may find the 7.240% Home Equity Loan particularly attractive. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity,
COMMUNITY FINANCIAL CREDIT UNION
As of October 17, 2025, COMMUNITY FINANCIAL’s HELOC rates range from 2.000% to 25.000%, offering flexible borrowing options for homeowners seeking variable access to funds. The Home Equity Loan fixed rate stands at 7.240%, providing a stable choice for borrowers prioritizing predictable payments. Since no prior rate data is available, trends cannot be assessed; however, the broad HELOC rate range accommodates various credit profiles and needs. Homeowners valuing flexibility may find HELOCs advantageous, while those preferring long-term certainty should consider the fixed-rate Home Equity Loan. For more details, visit http://www.cfcu.org/loans/home-equity.
DIAMOND CREDIT UNION
As of October 17, 2025, DIAMOND Credit Union offers competitive HELOC rates ranging from 2.990% to 7.000% and Home Equity Loans between 5.460% and 7.250%. These current rates provide flexible borrowing options for homeowners seeking either variable-rate access with a HELOC or fixed-rate stability through a Home Equity Loan. The broad rate range allows members to select terms that best fit their financial goals. Homeowners prioritizing flexibility may find the HELOC particularly attractive, while those favoring predictable payments should consider fixed-rate home equity loans. For more details, visit https://diamondcu.org/home/home-equity-loans/.
HORIZON CREDIT UNION
As of October 17, 2025, HORIZON’s HELOC rates remain stable, holding steady between 2.990% and 18.000% APR over the past 30 days. This consistent rate range offers predictability for members considering flexible borrowing options. Homeowners seeking adaptable access to funds may find the HELOC product attractive due to its unchanged pricing and potential for variable borrowing needs. For detailed terms and application information on HORIZON’s home equity offerings, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
LendMesh
From home upgrades to business ventures, a home equity loan can open doors. LendMesh helps you compare lending options built for your budget and your timeline. Ready to put your equity to work? Visit https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re considering tapping your home equity now, start by assessing your borrowing needs and risk tolerance, HELOCs offer flexibility but can come with variable rates, while fixed-rate home equity loans provide steady payments. Keep in mind that some credit unions like Commonwealth and Diamond provide excellent entry points for lower rates today. However, if your financial situation is uncertain or you expect rates to fluctuate, waiting for more stable conditions could be wise. Before committing, shop around and ask about fees, terms, and whether you qualify for the lowest advertised rates. Finally, remember that using home equity responsibly can unlock opportunities without jeopardizing your home’s security, prioritize borrowing only what you need and have a clear repayment plan to make the most of your investment in your future.