Introduction
As of November 21, 2025, homeowners looking to unlock the potential of their property have some compelling options to consider. Whether you're planning a home renovation, funding education, or consolidating debt, tapping into your home equity can be a smart financial move. The Commonwealth Credit Union offers the lowest starting HELOC rate at an attractive 1.990%, making it an excellent choice for borrowers seeking flexible access to funds with variable rates. Meanwhile, fixed-rate home equity loans from Heritage and University of Kentucky hover around competitive mid-6% to low-7% rates, providing stability for those who prefer predictable payments. Notably, most credit unions have maintained steady rates over the past month, signaling a stable borrowing environment. If you’re comfortable with variable rates and want flexibility, a HELOC might suit you best. For those prioritizing certainty in budgeting, a fixed-rate home equity loan remains a reliable option. Understanding these nuances can help you make the right choice tailored to your financial goals today.
Home Equity Loans
Credit Union
Product
2025-11-21
(Current Day)
(Current Day)
2025-11-14
(7 Days Ago)
(7 Days Ago)
2025-11-06
(15 Days Ago)
(15 Days Ago)
2025-10-22
(30 Days Ago)
(30 Days Ago)
2025-10-07
(45 Days Ago)
(45 Days Ago)
2025-09-22
(60 Days Ago)
(60 Days Ago)
2025-08-23
(90 Days Ago)
(90 Days Ago)
Home Equity
6.875 - 10.500
6.875 - 10.500
6.875 - 10.500
6.750 - 10.500▼ 12.5 bps
Heloc
1.990 - 6.750
1.990 - 6.750
1.990 - 6.750
1.990 - 7.000
1.990 - 7.000
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
1.990 - 18.000
Heloc
2.500 - 17.125
2.500 - 6.490
2.500 - 6.490
2.500 - 6.490
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
3.000 - 18.000
6.500 - 7.250▲ 350 bps
6.500 - 7.250▲ 350 bps
3.000 - 18.000
HERITAGE FEDERAL CREDIT UNION
As of November 21, 2025, HERITAGE’s home equity rates remain stable, with Home Equity Loan rates holding steady between 6.875% and 10.500% APR over the past month. The slight decrease from 6.750% to 6.875% at the low end suggests consistent pricing without volatility. Homeowners seeking predictable payments may find these fixed-rate loans attractive for long-term planning. For those valuing flexible borrowing, HELOC options (if offered) typically complement fixed loans but are not currently listed here. Transparent, stable rates support informed borrowing decisions in today’s market. 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 November 21, 2025, COMMONWEALTH’s HELOC rates remain stable, holding steady at 1.990% to 6.750% APR over the past 30 days, with a slight improvement from 7.000% APR noted a month ago. This consistent range reflects reliable borrowing costs for homeowners seeking flexible credit options. HELOCs continue to be an attractive choice for those needing revolving access to home equity without fixed repayment terms. Borrowers should consider these stable rates when planning for renovations or debt consolidation. For more details, visit https://www.ccuky.org/my-life/borrow/home-equity-line-of-credit.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of November 21, 2025, UNIVERSITY OF KENTUCKY's HELOC rates remain steady between 1.990% and 18.000%, unchanged over the past 30 days, offering consistent flexibility for borrowers. The fixed-rate Home Equity Loan holds firm at 7.240%, providing a stable option for those seeking predictable payments. Homeowners valuing adaptable borrowing may find the HELOC appealing, while fixed-rate loans suit those prioritizing long-term payment certainty. For detailed rate information and terms, visit https://www.ukfcu.org/borrow/rates#home-equity.
COMMUNITY FINANCIAL CREDIT UNION
As of November 21, 2025, COMMUNITY FINANCIAL’s HELOC rates remain steady between 2.000% and 25.000%, consistent over the past 30 days, offering a flexible borrowing range for homeowners needing variable access to funds. Meanwhile, the fixed-rate Home Equity Loan holds firm at 7.490% APR, unchanged for the last month, providing a stable option for borrowers seeking predictable payments. The wide HELOC rate band suits varying credit profiles and draw amounts, while the fixed Home Equity Loan is attractive for those prioritizing long-term rate certainty. For more details, visit http://www.cfcu.org/loans/home-equity.
SERVICE CREDIT UNION
As of November 21, 2025, SERVICE's HELOC rates remain stable, with the range holding steady at 2.500% to 17.125% APR over the past 30 days. While the lower end of the rate spectrum is very competitive for borrowers seeking flexible credit access, the wide upper range reflects variable factors tied to borrower risk and creditworthiness. Homeowners looking for adaptable financing may find HELOCs appealing for ongoing home improvement or debt consolidation needs. Monitoring your credit profile can help secure more favorable terms within this range. For more details, visit https://servicecu.org/borrow/home-equity-loans/#checkrates.
FIRST SOURCE FEDERAL CREDIT UNION
As of November 21, 2025, FIRST SOURCE HELOC rates remain steady at 2.990% to 6.750%, unchanged from one week ago and slightly lower than the 7.000% high seen 30 days prior. This stability provides an attractive option for homeowners seeking flexible borrowing with competitive variable rates. Meanwhile, Home Equity Loan rates hold firm at 4.990% to 8.490%, consistent with last week and a recent uptick from a narrower range noted 15 days ago. Fixed-rate loans offer predictability for long-term budgeting, especially near current lows. HELOCs suit those needing ongoing access; fixed loans benefit borrowers prioritizing stable payments. For more details, visit https://www.fsource.org/rates#HomeEquityLineOfCredit.
HORIZON CREDIT UNION
As of November 21, 2025, HORIZON’s HELOC rates remain steady at 2.990% to 18.000%, showing no change over the past 30 days. This stable range offers predictable pricing for borrowers seeking flexible access to home equity funds. HELOCs are well-suited for homeowners needing ongoing liquidity with variable rates and convenient draw periods. While fixed-rate home equity options are not listed, this consistent HELOC pricing supports reliable borrowing costs without recent volatility. For members prioritizing adaptable financing, HORIZON’s current HELOC terms provide transparent and accessible lending solutions. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
ROYAL CREDIT UNION
As of November 21, 2025, ROYAL’s HELOC rates remain steady between 3.000% and 18.000%, showing no change over the past 30 days. This stability offers predictable borrowing costs for homeowners seeking flexible credit access. HELOCs provide a convenient option for those needing revolving funds or short-term financing without locking into fixed payments. For borrowers prioritizing adaptable repayment terms, ROYAL’s consistent HELOC rates deliver reliable value in a fluctuating market. For more details, visit https://www.rcu.org/loans-credit/home-mortgage-loans/home-equity-line-of-credit#rates.
FAMILY TRUST FEDERAL CREDIT UNION
As of November 21, 2025, FAMILY TRUST’s HELOC rates remain steady at 3.250% to 18.000% APR, showing no change over the past 30 days. This consistent range offers predictable borrowing costs for members seeking flexible home equity access. HELOCs provide an attractive solution for homeowners who need variable-rate financing with ongoing draw options. While no new fixed-rate home equity loans are listed currently, the stable HELOC pricing supports budget-conscious borrowing in a fluctuating market. For more details, visit https://www.familytrust.org/borrow-better/mortgage-home-equity/home-equity-lines-of-credit.html.
LendMesh
You’ve worked hard for your home—now let your home return the favor. LendMesh makes it easy to explore home equity loans with competitive rates and no guesswork. See what’s possible at https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
If you’re considering tapping into your home equity now, start by comparing both HELOCs and fixed-rate loans carefully, look beyond the lowest rate to factors like repayment terms and fees. Since rates have remained mostly steady this month, there’s no urgent rush to lock in if you want more time to assess your budget or project timeline. However, if you find a HELOC with rates starting near 1.990%, like at Commonwealth Credit Union, it’s worth acting on soon to secure that deal before market conditions shift. Always ensure you borrow only what you need and have a clear repayment plan, your home is on the line. Lastly, consult with your credit union’s lending specialists to explore personalized options and get pre-approved quickly so that when you’re ready, your funds will be within reach without delay. Smart preparation today means peace of mind tomorrow.