Introduction
For homeowners looking to fund renovations, education, or debt consolidation, tapping into your home’s equity can be a smart financial move. As of November 7, 2025, some of the most competitive rates are available through HELOCs, offering flexible borrowing options that could fit your needs. Notably, Newport News Shipbuilding Employees Credit Union is spotlighted today with an impressively low starting HELOC rate of 0.25%, making it an excellent choice for borrowers seeking variable-rate financing. Meanwhile, fixed-rate home equity loans remain steady across many credit unions like University of Kentucky and Diamond, providing predictability for those who prefer consistent payments. Whether you’re renovating your kitchen or consolidating high-interest debt, understanding current rates can help you choose the best path forward. Homeowners prioritizing flexibility and low initial rates might lean toward HELOCs, while those wanting stability should consider fixed-rate loans available at solid mid-range rates.
Home Equity Loans
Credit Union
Product
2025-11-07
(Current Day)
(Current Day)
2025-10-31
(7 Days Ago)
(7 Days Ago)
2025-10-23
(15 Days Ago)
(15 Days Ago)
2025-10-08
(30 Days Ago)
(30 Days Ago)
2025-09-23
(45 Days Ago)
(45 Days Ago)
2025-09-08
(60 Days Ago)
(60 Days Ago)
2025-08-09
(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 - 6.750
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
1.990 - 18.000
6.500▲ 451 bps
Heloc
2.990 - 18.000
2.990 - 18.000
2.990 - 18.000
2.990 - 18.000
2.990 - 18.000
2.990 - 18.000
Heloc
3.000 - 18.000
6.500 - 7.250▲ 350 bps
6.500 - 7.250▲ 350 bps
6.500 - 7.250▲ 350 bps
3.000 - 18.000
3.000 - 7.500
FIRST CITY CREDIT UNION
As of November 7, 2025, FIRST CITY’s HELOC rates remain steady, holding at 5.990% to 16.000% APR over the past 30 days. This consistency offers predictability for homeowners seeking flexible borrowing options without rate fluctuations. HELOCs are well-suited for those needing ongoing access to funds with variable repayment terms. While no fixed-rate home equity loans are currently listed, the stable HELOC pricing provides a transparent option for managing home equity financing. For more details, visit https://www.firstcitycu.org/loans-credit/home-equity-loans-lines-of-credit.
NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION
As of November 7, 2025, HELOC rates at Newport News Shipbuilding Employees Credit Union remain steady with a range of 0.250% to 9.240% APR, showing consistency over the past 15 days and a notable drop from the prior 30-day low starting at 6.490%. Meanwhile, Home Equity Loan rates hold firm between 6.140% and 9.240% APR, maintaining stability across the past month. For homeowners seeking flexible borrowing, HELOCs offer attractive variable-rate options; fixed-rate Home Equity Loans provide predictability for long-term planning. For more details, visit https://www.bayportcu.org/rates/.
COMMONWEALTH FEDERAL CREDIT UNION
COMMONWEALTH’s HELOC rates remain steady at 1.990% to 6.750% APR, reflecting a modest improvement from 7 days ago when the upper range was 7.000%. Over the past 30 days, rates have tightened by approximately 25 basis points on the high end, offering better borrowing conditions. HELOCs continue to provide flexible credit access for homeowners seeking variable-rate options with competitive pricing. This stability benefits members who prefer adaptable repayment terms compared to fixed-rate loans. For more details, visit https://www.ccuky.org/my-life/borrow/home-equity-line-of-credit.
CPM FEDERAL CREDIT UNION
As of November 7, 2025, CPM’s HELOC rates range from 1.990% to 7.240%, reflecting a stable offering with no prior data for comparison. This flexible rate structure may benefit homeowners seeking revolving credit with variable costs tied to their borrowing needs. While fixed-rate home equity loans are not listed this week, the competitive HELOC range provides accessible options for those prioritizing liquidity over long-term fixed payments. For borrowers valuing adjustable access to funds, CPM’s current HELOC terms remain a practical choice. For more details, visit https://www.cpmfed.com/rates/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of November 7, 2025, UNIVERSITY OF KENTUCKY’s HELOC rates remain steady between 1.990% and 18.000%, unchanged over the past 30 days. This range provides flexible borrowing options for homeowners seeking variable-rate credit lines. The fixed-rate Home Equity Loan stands firm at 7.240%, offering a predictable payment structure ideal for those prioritizing long-term stability. Borrowers valuing flexibility may consider the HELOC, while fixed-rate loans suit those who want consistent monthly payments without rate fluctuations. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
COMMUNITY FINANCIAL CREDIT UNION
As of November 7, 2025, COMMUNITY FINANCIAL’s HELOC rates remain steady at 7.000% APR over the past two weeks, providing consistent access for homeowners seeking flexible borrowing options. Meanwhile, the Home Equity Loan rate increased slightly to 7.490% APR from 7.240% seven days ago, reflecting a modest upward adjustment. For those prioritizing fixed payments and stability, the Home Equity Loan remains an attractive option despite the small rate rise. Homeowners needing revolving credit may find the stable HELOC at 7.000% APR beneficial for ongoing projects or emergencies. For more details, visit http://www.cfcu.org/loans/home-equity.
SERVICE CREDIT UNION
As of November 7, 2025, SERVICE’s HELOC rates remain stable, ranging from 2.500% to 6.490%, consistent with the past two weeks. Notably, the upper range rate dropped from 6.490% thirty days ago to the current spread starting at 2.500%, offering flexible borrowing options for homeowners. This stability makes the HELOC a practical choice for those seeking variable-rate access to home equity funds without committing to fixed terms. For borrowers prioritizing adaptable credit lines with competitive rates, SERVICE continues to provide reliable solutions. For more details, visit https://servicecu.org/borrow/home-equity-loans/#checkrates,
DIAMOND CREDIT UNION
As of November 7, 2025, DIAMOND’s HELOC rates remain steady at 2.990%, consistent with last week and two weeks prior, offering a low-cost option for flexible borrowing. Meanwhile, Home Equity Loan rates have tightened slightly to a range of 5.310% to 5.990%, improving from 5.390% to 7.250% fifteen days ago, highlighting more attractive fixed-rate terms for homeowners seeking stability. For those valuing predictable payments, the fixed-rate home equity loans present a compelling choice. Conversely, HELOCs provide ongoing access to funds with a competitive starting rate under 3%. For more details, visit https://diamondcu.org/home/home-equity-loans/.
HORIZON CREDIT UNION
HORIZON’s HELOC rates remain steady at 2.990% to 18.000% APR over the past 30 days, providing consistent terms for borrowers seeking flexible credit access. This stability benefits homeowners who prefer variable-rate products with revolving credit options for ongoing needs. While no rate changes occurred recently, the broad APR range accommodates diverse credit profiles and borrowing amounts. For those prioritizing flexibility, HORIZON’s HELOC continues to be an accessible solution without fluctuations in cost. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
ROYAL CREDIT UNION
This week, ROYAL’s HELOC rates show a significant shift, with today’s range at 3.000% to 18.000% APR, compared to a tighter band of 6.500% to 7.250% APR seven and 30 days ago. This wider spread may reflect tailored pricing based on creditworthiness or loan size. Homeowners seeking flexible borrowing options should consider a HELOC for its adaptability to ongoing expenses or home improvements. For precise terms and current offers, visit https://www.rcu.org/loans-credit/home-mortgage-loans/home-equity-line-of-credit#rates.
LendMesh
From roof repairs to tuition costs, home equity loans are built for life’s real expenses. LendMesh lets you explore transparent, flexible offers tailored to your needs. Find out what your equity can do at https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re considering accessing your home equity now, take advantage of the lowest HELOC rates currently on offer, especially if you anticipate fluctuating expenses or want the freedom to borrow as needed. However, if you prefer budget certainty and plan for a one-time expense like a major renovation or tuition payment, a fixed-rate home equity loan may provide peace of mind with stable monthly payments. Before applying, review each credit union’s terms carefully, rates can vary widely and some have seen shifts over the past month. Also, consider your long-term financial goals and how interest rate changes might impact your repayment plan. Remember, locking in a low rate today can save you money tomorrow, but waiting could be beneficial if you expect rates to drop or your borrowing needs to change. Ultimately, consult with your credit union specialist to tailor a solution that fits your unique situation and helps you confidently unlock the value in your home.