Introduction
As of October 31, 2025, homeowners looking to unlock funds for renovations, education, or debt consolidation have some appealing home equity options to consider. Whether you prefer the flexibility of a HELOC or the predictability of a fixed-rate home equity loan, today’s lowest HELOC rate starts as low as 0.25% at Newport News Shipbuilding Employees Credit Union, a standout offer for borrowers seeking cost-effective access to their home’s equity. For those who favor fixed rates, Newport News also maintains steady home equity loan rates beginning at 6.14%. Other credit unions like Commonwealth and Diamond offer competitive HELOC rates from around 1.99% and 2.99%, respectively, holding steady over the past month. Notably, most rates have remained consistent week-over-week and month-over-month, signaling stability in the market. Borrowers with strong credit profiles who want flexibility might find the HELOC deals from Newport News and Commonwealth especially beneficial today, while those preferring fixed payments can look to Newport News’ consistent home equity loan offerings.
Home Equity Loans
Credit Union
Product
2025-10-31
(Current Day)
(Current Day)
2025-10-24
(7 Days Ago)
(7 Days Ago)
2025-10-16
(15 Days Ago)
(15 Days Ago)
2025-10-01
(30 Days Ago)
(30 Days Ago)
2025-09-16
(45 Days Ago)
(45 Days Ago)
2025-09-01
(60 Days Ago)
(60 Days Ago)
2025-08-02
(90 Days Ago)
(90 Days Ago)
Heloc
0.250 - 9.240
0.250 - 9.240
6.490 - 9.240▲ 624 bps
0.250 - 9.240
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
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
2.500 - 6.490
6.490 - 17.125▲ 399 bps
6.490▲ 399 bps
6.490▲ 399 bps
6.490▲ 399 bps
Heloc
6.750 - 8.000
3.500 - 18.000▼ 325 bps
3.500 - 18.000▼ 325 bps
3.500 - 18.000▼ 325 bps
7.250 - 8.500▲ 50 bps
7.250 - 8.500▲ 50 bps
7.250 - 8.500▲ 50 bps
NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION
As of October 31, 2025, NEWPORT NEWS SHIPBUILDING EMPLOYEES rates remain stable across home equity products. HELOC rates show a consistent range from 0.250% to 9.240%, unchanged over the past 30 days, highlighting flexibility for homeowners seeking variable-rate access. Meanwhile, Home Equity Loan rates hold steady between 6.140% and 9.240%, offering predictable payments with fixed terms. For borrowers prioritizing rate certainty, the fixed-rate Home Equity Loan presents an attractive option. Those needing flexible borrowing may find the HELOC’s broad rate range advantageous for varying financial needs. For more details, visit https://www.bayportcu.org/rates/.
COMMONWEALTH FEDERAL CREDIT UNION
As of October 31, 2025, COMMONWEALTH’s HELOC rates remain steady between 1.990% and 7.000%, unchanged over the past 15 days and slightly lower than 30 days ago when the top APR was 7.250%. This stability offers homeowners consistent access to flexible credit with competitive pricing. HELOCs may appeal to borrowers seeking variable-rate options and ongoing borrowing capacity without fixed repayment terms. For those prioritizing adaptable financing tied to market rates, this product remains a reliable choice. 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 31, 2025, UNIVERSITY OF KENTUCKY credit union's HELOC rates remain stable at 1.990% to 18.000% APR, showing no change over the past 30 days. The fixed-rate Home Equity Loan holds steady at 7.240% APR, offering a consistent long-term borrowing option for members seeking predictable payments. The unchanged HELOC range provides flexible access to funds with competitive variable rates, while the fixed Home Equity Loan appeals to homeowners prioritizing rate certainty. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
SERVICE CREDIT UNION
As of October 31, 2025, SERVICE’s HELOC rates remain steady at 2.500%, showing no change from 7 days ago and a notable decline from the higher range seen 15 days ago. This stability at a low rate makes the HELOC an attractive option for homeowners seeking flexible access to funds without committing to fixed payments. With rates significantly lower than those recorded a month ago, members can benefit from cost-effective borrowing for home improvements or debt consolidation. For more details, visit https://servicecu.org/borrow/home-equity-loans/#checkrates.
DIAMOND CREDIT UNION
As of October 31, 2025, DIAMOND's HELOC rates remain steady, holding at a competitive 2.990% to 7.000% APR over the past 30 days. This stability offers predictable borrowing costs for homeowners seeking flexible access to equity. HELOCs are ideal for those needing variable-rate options and ongoing funds availability. While fixed-rate home equity loans are not currently listed, DIAMOND’s consistent HELOC pricing provides transparency and reliability for members considering home improvement or debt consolidation financing. For more details, visit https://diamondcu.org/home/home-equity-loans/.
HORIZON CREDIT UNION
As of October 31, 2025, HORIZON’s HELOC rates remain steady at 2.990% to 18.000% APR, unchanged over the past 30 days. This stable range provides predictable borrowing costs for members seeking flexible home equity access. HELOCs are well-suited for homeowners needing adaptable credit lines without fixed repayment terms. While no rate shifts occurred recently, borrowers should evaluate their needs for either variable or fixed-rate options when considering home equity financing. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
FAMILY TRUST FEDERAL CREDIT UNION
As of October 31, 2025, FAMILY TRUST’s HELOC rates remain steady, ranging from 3.250% to 18.000% APR, unchanged over the past 30 days. This consistency offers predictability for borrowers seeking flexible credit access without rate volatility. HELOCs are ideal for homeowners needing adaptable funding options with competitive starting rates. While no new fixed-rate home equity loans are listed this period, the stable HELOC pricing supports financial planning for short- to medium-term borrowing needs. 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 31, 2025, EDUCATIONAL SYSTEMS' HELOC rates remain steady with a range of 3.490% to 8.250% APR, unchanged over the past 15 days. This consistency offers predictability for borrowers seeking flexible access to funds through a Home Equity Line of Credit. While fixed-rate home equity loans are not listed, the stable HELOC pricing provides an attractive option for homeowners prioritizing variable borrowing needs and ongoing liquidity. For those considering home improvements or debt consolidation, understanding current HELOC terms is essential for informed decisions. For more details, visit https://www.esfcu.org/rates/loans-and-credit-card-rates.
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION
For October 31, 2025, HELOC rates at CREDIT UNION OF COLORADO, A range from 6.750% to 8.000%, marking an increase from last week’s 3.500% to 18.000% range. The Home Equity Loan (Other) product shows a stable rate range of 3.500% to 18.000%, with no prior data available for comparison. Homeowners seeking flexible access to funds may find the HELOC option appealing due to its variable nature, while borrowers preferring predictable payments should consider locking in a fixed-rate home equity loan if offered. For more details, visit https://www.cuofco.org/mortgage-rates.
LendMesh
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Conclusion
If you’re considering tapping into your home’s value now, start by comparing both HELOC and fixed-rate options carefully, your choice depends on your financial goals and how comfortable you are with variable versus fixed payments. Locking in a low HELOC rate like Newport News’ 0.25% could save you thousands if you expect fluctuating borrowing needs, such as ongoing renovation costs or education expenses. Conversely, if you want predictable monthly payments to consolidate debt or fund a major project, exploring fixed-rate loans around 6.14% is wise. Remember to check for any fees or terms that might affect overall costs. If you’re not in urgent need of funds, keep an eye on these stable rates but be ready to act quickly when opportunities arise, credit union rates can shift based on market conditions. Finally, always consult your financial advisor to tailor your decision uniquely to your budget and long-term plans; tapping home equity is powerful but requires thoughtful planning for lasting benefits.