Introduction
If you’re a homeowner thinking about financing your next big project, whether it’s a home renovation, education expenses, or consolidating debt, knowing today’s rates can make all the difference. As of November 14, 2025, COMMONWEALTH Credit Union offers some of the best deals with HELOC rates starting as low as 1.990%, making it an excellent option for borrowers seeking flexible access to funds at attractive rates. For those who prefer fixed-rate loans, options like UNIVERSITY OF KENTUCKY’s Home Equity Loan hold steady at 7.240%. While some credit unions have maintained stable pricing over the past month, others like COMMUNITY FINANCIAL show variability in HELOC rates, so timing and lender choice matter. Whether you want the flexibility of a HELOC or the predictability of a fixed loan, today’s market offers opportunities for homeowners ready to leverage their equity wisely.
Home Equity Loans
Credit Union
Product
2025-11-14
(Current Day)
(Current Day)
2025-11-07
(7 Days Ago)
(7 Days Ago)
2025-10-30
(15 Days Ago)
(15 Days Ago)
2025-10-15
(30 Days Ago)
(30 Days Ago)
2025-09-30
(45 Days Ago)
(45 Days Ago)
2025-09-15
(60 Days Ago)
(60 Days Ago)
2025-08-16
(90 Days Ago)
(90 Days Ago)
Heloc
1.990 - 6.750
1.990 - 6.750
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
2.500 - 6.490
2.500 - 6.490
2.500 - 6.490
6.490▲ 399 bps
6.490▲ 399 bps
6.490▲ 399 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
3.000 - 18.000
6.500 - 7.250▲ 350 bps
6.500 - 7.250▲ 350 bps
6.750 - 7.500▲ 375 bps
3.000 - 7.500
COMMONWEALTH FEDERAL CREDIT UNION
COMMONWEALTH’s HELOC rates remain steady at a range of 1.990% to 6.750%, unchanged over the past week and down from a high of 7.000% fifteen and thirty days ago. This stable pricing offers a competitive option for homeowners seeking flexible borrowing with variable rates. While no fixed-rate home equity loans are currently listed, the consistent HELOC rates provide accessible credit for ongoing or future projects. Homeowners valuing adaptability may find these terms favorable given recent market stability. For more details, visit https://www.ccuky.org/my-life/borrow/home-equity-line-of-credit.
CPM FEDERAL CREDIT UNION
As of November 14, 2025, CPM’s HELOC rates remain steady, holding at a range of 1.990% to 7.240% APR over the past 30 days. This consistency offers homeowners reliable access to flexible credit without rate volatility. For borrowers seeking adaptable financing solutions, HELOCs provide convenient revolving credit with competitive variable rates tailored to individual needs. While fixed-rate home equity loans are not currently listed, CPM’s stable HELOC pricing supports both short-term expenses and ongoing projects. For more details, visit https://www.cpmfed.com/rates/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of November 14, 2025, UNIVERSITY OF KENTUCKY’s HELOC rates remain steady between 1.990% and 18.000%, showing no change over the past 30 days. This wide range offers flexibility for borrowers seeking variable-rate options with access to funds as needed. The fixed Home Equity Loan rate holds firm at 7.240%, providing a reliable choice for members who prefer predictable monthly payments without rate fluctuations. For homeowners prioritizing long-term stability, the fixed-rate loan is a compelling option, while HELOCs suit those needing flexible borrowing capacity. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
COMMUNITY FINANCIAL CREDIT UNION
As of November 14, 2025, COMMUNITY FINANCIAL’s HELOC rates remain steady between 2.000% and 25.000%, consistent with the past 7 and 30 days, providing flexible borrowing options for homeowners. The fixed-rate Home Equity Loan holds at 7.490% APR, unchanged from last week but slightly higher than mid-October’s 7.240%. For those seeking predictable payments, the fixed Home Equity Loan offers stability amid minor rate fluctuations. Meanwhile, HELOCs appeal to borrowers needing adaptable access to funds with competitive variable rates. For more details, visit http://www.cfcu.org/loans/home-equity.
SERVICE CREDIT UNION
As of November 14, 2025, SERVICE’s HELOC rates remain steady, ranging from 2.500% to 6.490% APR over the past 30 days with no fluctuations. This consistent rate environment provides reliable borrowing costs for homeowners seeking flexible credit access. HELOCs are a practical choice for those needing adaptable funds without locking into fixed payments. While no new fixed-rate home equity loans are listed, the stable HELOC pricing supports budgeting confidence. For more details, visit https://servicecu.org/borrow/home-equity-loans/#checkrates.
DIAMOND CREDIT UNION
As of November 14, 2025, DIAMOND’s HELOC rates remain steady, with current APRs ranging from 2.990% to 6.750%, holding firm compared to last week and showing a slight improvement from the 7.000% high seen 15 and 30 days ago. This stability benefits homeowners seeking flexible borrowing options without rate volatility. The current low starting APR of 2.990% makes the HELOC an attractive choice for those needing ongoing access to equity at competitive terms. For more details, visit https://diamondcu.org/home/home-equity-loans/.
FIRST SOURCE FEDERAL CREDIT UNION
As of November 14, 2025, FIRST SOURCE HELOC rates range from 2.990% to 6.750%, newly listed with no prior data for comparison. Meanwhile, Home Equity Loan rates hold steady between 4.990% and 8.490%, consistent with the past 30 days. The stable fixed-rate home equity loans offer predictable payments, ideal for borrowers seeking long-term certainty. Conversely, the flexible HELOC option suits homeowners who prefer revolving credit access with competitive starting rates. For detailed rate information and product terms, visit https://www.fsource.org/rates#HomeEquityLineOfCredit.
HORIZON CREDIT UNION
As of November 14, 2025, HORIZON’s HELOC rates remain steady at a range of 2.990% to 18.000% APR, with no changes observed over the past 30 days. This consistent pricing provides predictability for members seeking flexible borrowing options. HELOCs are well-suited for homeowners needing revolving credit with variable access and competitive starting rates. While fixed-rate home equity loans are not currently listed, members valuing rate stability may consider other offerings as they become available. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
ROYAL CREDIT UNION
As of November 14, 2025, ROYAL's HELOC rates remain steady between 3.000% and 18.000%, consistent with last week’s pricing. Notably, these rates have decreased significantly from the 6.500% to 7.250% range seen 30 days ago, offering more affordable borrowing options. HELOCs provide flexible credit access ideal for homeowners managing variable expenses or planning home improvements. For those seeking adaptable financing, these stable and broad rate ranges present attractive opportunities to leverage home equity responsibly. For more details, visit https://www.rcu.org/loans-credit/home-mortgage-loans/home-equity-line-of-credit#rates,
LendMesh
Home equity loans don’t need to be confusing. At LendMesh, we translate your options into plain language—and help you compare fixed or variable terms with ease. Ready to feel confident? Visit https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
Before diving into a home equity product, assess your financial goals and how quickly you plan to repay, a HELOC might suit ongoing expenses or phased projects, while a fixed-rate loan could be better for one-time costs. Keep an eye on rate trends; although many credit unions show consistent pricing this month, small shifts can impact your payments significantly. Shop around for competitive rates like those at COMMONWEALTH or CPM Credit Union, and don’t hesitate to ask about fees and terms that fit your situation. Most importantly, ensure your borrowing aligns with a clear repayment plan to protect your home investment. By staying informed and strategic, you can unlock your home’s potential without surprises down the road.