Introduction
If you’re a homeowner considering using your home’s equity for renovations, education, or debt consolidation, today’s rates on October 24, 2025, offer some compelling opportunities. For those who prefer flexible borrowing, the Newport News Shipbuilding Employees Credit Union stands out with an exceptionally low HELOC starting at 0.25%, making it one of the best variable rate options available right now. Meanwhile, if you want the stability of a fixed-rate loan, Diamond Credit Union’s home equity loans start as low as 5.39%, providing predictability for your budget. Borrowers seeking a balance between competitive rates and program variety will find options like Commonwealth’s HELOC at 1.99% or First Source’s fixed loans beginning at 4.99%. Whether you need funds for a home makeover or to consolidate higher-interest debts, these credit unions present tailored solutions with rates that have remained steady over the past month, an important reassurance in today’s market.
Home Equity Loans
Credit Union
Product
2025-10-24
(Current Day)
(Current Day)
2025-10-17
(7 Days Ago)
(7 Days Ago)
2025-10-09
(15 Days Ago)
(15 Days Ago)
2025-09-24
(30 Days Ago)
(30 Days Ago)
2025-09-09
(45 Days Ago)
(45 Days Ago)
2025-08-25
(60 Days Ago)
(60 Days Ago)
2025-07-26
(90 Days Ago)
(90 Days Ago)
Heloc
0.250 - 9.240
6.490 - 9.240▲ 624 bps
6.490 - 9.240▲ 624 bps
0.250 - 9.240
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
6.140 - 9.240
Heloc
1.990 - 7.000
1.990 - 7.000
1.990 - 7.000
1.990 - 7.250
1.990 - 7.250
Heloc
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
6.500▲ 451 bps
Heloc
2.500 - 6.490
6.490 - 17.125▲ 399 bps
6.490▲ 399 bps
6.490▲ 399 bps
6.490▲ 399 bps
6.490▲ 399 bps
NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION
As of October 24, 2025, HELOC rates at Newport News Shipbuilding Employees Credit Union have decreased notably to a range of 0.250% - 9.240% from last week’s 6.490% - 9.240%, reflecting improved affordability for flexible borrowing. Meanwhile, Home Equity Loan rates remain steady between 6.140% and 9.240%, offering consistent fixed-rate options for longer-term financing needs. Homeowners seeking adaptable credit access may find the current HELOC range particularly attractive, while those preferring predictable payments should consider the stable fixed-rate Home Equity Loans. For more details, visit https://www.bayportcu.org/rates/.
COMMONWEALTH FEDERAL CREDIT UNION
As of October 24, 2025, COMMONWEALTH’s HELOC rates remain stable, holding steady at 1.990% to 7.000% APR over the past 30 days with no recent fluctuations. This consistent range offers homeowners reliable access to flexible credit with competitive pricing. For borrowers seeking adaptable financing options, HELOCs provide a valuable solution without rate volatility. While no fixed-rate home equity loans are currently listed, the steady HELOC pricing supports planning for variable-rate borrowing needs. 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 24, 2025, UNIVERSITY OF KENTUCKY's HELOC rates remain steady at 1.990% to 18.000% APR, showing no change over the past 30 days. The fixed-rate Home Equity Loan holds firm at 7.240%, providing a consistent option for borrowers seeking predictable payments. Homeowners valuing flexible access to funds may find the HELOC appealing, while those prioritizing stable monthly costs might prefer the fixed-rate home equity loan. For detailed rate information and lending options, visit https://www.ukfcu.org/borrow/rates#home-equity.
SERVICE CREDIT UNION
As of October 24, 2025, SERVICE’s HELOC rates range from 2.500% to 6.490% APR, marking a significant improvement from last week when rates started at 6.490%. Over the past 30 days, the upper APR has held steady at 6.490%, while the lower end has dropped notably, reflecting more attractive borrowing costs for flexible credit access. HELOCs remain a strong option for homeowners seeking variable-rate flexibility and ongoing access to funds without fixed repayment terms. For precise rate details and eligibility, visit https://servicecu.org/borrow/home-equity-loans/#checkrates.
DIAMOND CREDIT UNION
As of October 24, 2025, DIAMOND’s HELOC rates remain steady at 2.990% to 7.000% APR, offering consistent terms for flexible borrowing. The Home Equity Loan rates start at 5.390% APR, providing a fixed-rate option attractive for homeowners seeking predictable payments. With no recent changes in HELOC pricing and the introduction of competitive fixed-rate loans, borrowers can choose between flexible access or long-term stability. HELOCs suit those needing revolving credit, while fixed Home Equity Loans benefit buyers prioritizing budget certainty. For more details, visit https://diamondcu.org/home/home-equity-loans/.
FIRST SOURCE FEDERAL CREDIT UNION
As of October 24, 2025, FIRST SOURCE’s HELOC rates start at a competitive 2.990%, offering flexible borrowing for homeowners seeking revolving credit without fixed terms. The newly listed Home Equity Loan rates remain steady on the low end at 4.990% but show a wider APR range up to 8.490%, reflecting varied loan terms or borrower profiles. Homeowners prioritizing predictable payments may find the fixed-rate home equity loans attractive despite the slight expansion in APR range. For those needing adaptable access to funds, the HELOC’s low starting rate provides a cost-effective solution. For more details, visit https://www.fsource.org/rates#HomeEquityLineOfCredit.
HORIZON CREDIT UNION
As of October 24, 2025, HORIZON’s HELOC rates remain steady between 2.990% and 18.000% APR, unchanged over the past 30 days. This consistent range offers reliable terms for homeowners seeking flexible borrowing options. HELOCs provide convenient access to funds with variable rates, making them suitable for ongoing expenses or home improvement projects. While no rate shifts occurred recently, this stability can help members plan finances confidently. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
FAMILY TRUST FEDERAL CREDIT UNION
As of October 24, 2025, FAMILY TRUST’s HELOC rates remain steady at 3.250% to 18.000% APR, unchanged from last week. This range offers flexible borrowing options for homeowners seeking variable-rate credit lines tailored to their needs. While no recent rate shifts occurred, the broad APR span reflects varying credit profiles and loan terms, making HELOCs a practical choice for those requiring adaptable access to home equity. For homeowners prioritizing flexibility over fixed payments, this product remains a competitive option. For more details, visit https://www.familytrust.org/borrow-better/mortgage-home-equity/home-equity-lines-of-credit.html.
EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION
As of October 24, 2025, EDUCATIONAL SYSTEMS' HELOC rates remain steady at a range of 3.490% to 8.250% APR, unchanged from one week ago. This stability offers predictability for borrowers seeking flexible credit access. HELOCs provide homeowners with adaptable borrowing options, ideal for ongoing expenses or home improvements without fixed monthly payments. While no new fixed-rate home equity loans are listed, the current HELOC terms present an attractive choice for those prioritizing rate transparency and borrowing flexibility. For more details, visit https://www.esfcu.org/rates/loans-and-credit-card-rates.
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Conclusion
Before tapping into your home equity, it’s crucial to assess your financial goals and repayment comfort. If you value flexibility and anticipate fluctuating cash needs, consider a HELOC, especially from Newport News Shipbuilding Employees CU with its standout low starting rate of 0.25%. For those who prefer predictable monthly payments and long-term budgeting ease, fixed-rate home equity loans like Diamond’s or First Source’s offer excellent choices with rates under 6%. Keep in mind that rates have been stable recently, so there is no urgent rush to lock in today if you’re still exploring options. However, don’t delay too long, market conditions can shift, and securing favorable terms sooner rather than later may save you money down the road. Finally, always compare programs carefully and consult your credit union about fees and terms to ensure your home equity strategy aligns perfectly with your financial well-being.