Introduction
For homeowners looking to fund renovations, education expenses, or consolidate debt, tapping into your home equity can be a smart financial move, especially when rates are favorable. As of November 28, 2025, the lowest available rate for a Home Equity Line of Credit (HELOC) is an impressively low 1.990% offered by both the University of Kentucky and Commonwealth credit unions. These competitive rates make HELOCs especially attractive for borrowers seeking flexible access to funds with minimal interest costs. Fixed-rate home equity loans, like those from Diamond Credit Union starting around 5.48%, provide predictable monthly payments ideal for larger, one-time expenses. Notably, most credit unions have maintained steady rates over the past month, giving you confidence in today’s offers. Whether you prefer the adjustable convenience of a HELOC or the stability of a fixed loan, there are strong options available right now for responsible homeowners aiming to leverage their property’s value wisely.
Home Equity Loans
Credit Union
Product
2025-11-28
(Current Day)
(Current Day)
2025-11-21
(7 Days Ago)
(7 Days Ago)
2025-11-13
(15 Days Ago)
(15 Days Ago)
2025-10-29
(30 Days Ago)
(30 Days Ago)
2025-10-14
(45 Days Ago)
(45 Days Ago)
2025-09-29
(60 Days Ago)
(60 Days Ago)
2025-08-30
(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
6.875 - 10.500
Heloc
1.990
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
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
2.000 - 25.000
2.000 - 25.000
2.000 - 25.000
7.000▲ 500 bps
2.000 - 25.000
Heloc
2.500 - 17.125
2.500 - 17.125
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
2.990 - 18.000
2.990 - 18.000
Heloc
3.000 - 18.000
7.240 - 18.000▲ 424 bps
7.240 - 18.000▲ 424 bps
7.490 - 18.000▲ 449 bps
3.000 - 18.000
HERITAGE FEDERAL CREDIT UNION
HERITAGE’s Home Equity Loan rates remain steady, with current ranges from 6.875% to 10.500% APR, unchanged over the past 15 days and nearly stable compared to 30 days ago. The slight increase from 6.750% at the low end a month ago suggests a modest upward adjustment in borrowing costs. Homeowners seeking predictable payments may find fixed-rate home equity loans attractive for long-term planning. Meanwhile, flexible borrowing needs could benefit from HELOC options, though specific HELOC rates were not listed this week. For more details, visit https://www.heritagefederal.org/personal-banking/loans-and-credit-cards/loan-rates/home-equity-and-improvement-rates.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of November 28, 2025, the UNIVERSITY OF KENTUCKY HELOC rate remains steady at a highly competitive 1.990%, consistent over the past 30 days. This stability offers an attractive option for homeowners seeking flexible borrowing with low initial rates. While no fixed-rate home equity loans are currently listed, the consistent HELOC rate provides predictable access to funds without rate fluctuations. Homeowners needing adaptable credit lines should consider this product for manageable payments and easy draw options. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
COMMONWEALTH FEDERAL CREDIT UNION
COMMONWEALTH’s HELOC rates remain steady at a range of 1.990% to 6.750% APR, unchanged over the past 30 days with a slight improvement from 7.000% a month ago. This consistency offers homeowners reliable, flexible borrowing options without rate volatility. For those seeking adaptable access to funds, the HELOC product stands out as an accessible solution with competitive pricing. Homeowners considering variable-rate borrowing may find this particularly advantageous for managing home improvements or consolidating debt efficiently. For more details, visit https://www.ccuky.org/my-life/borrow/home-equity-line-of-credit,
COMMUNITY FINANCIAL CREDIT UNION
As of November 28, 2025, COMMUNITY FINANCIAL's HELOC rates remain steady between 2.000% and 25.000%, showing no change over the past 30 days, offering flexible borrowing options for homeowners seeking access to funds. Meanwhile, the Home Equity Loan rate holds firm at 7.490% APR, slightly higher than 7.240% a month ago but unchanged week to week. Homeowners looking for predictable payments may find the fixed-rate Home Equity Loan attractive despite this modest increase. For those needing variable credit lines with broad limits, the stable HELOC terms provide accessible financing. For more details, visit http://www.cfcu.org/loans/home-equity.
SERVICE CREDIT UNION
As of November 28, 2025, SERVICE’s HELOC rates remain stable at a range of 2.500% to 17.125% APR, unchanged from the past week but notably higher than the 6.490% upper APR reported 15 and 30 days ago. This suggests increased rate variability on the higher end of the spectrum, while low-end rates hold steady. Homeowners seeking flexible borrowing options may find these HELOC terms advantageous for managing variable cash needs, though attention to potential rate fluctuations is advised. For more details, visit https://servicecu.org/borrow/home-equity-loans/#checkrates,
DIAMOND CREDIT UNION
As of November 28, 2025, DIAMOND’s HELOC rate remains steady at 2.990%, unchanged from 15 and 30 days ago, offering a consistent low-cost option for flexible borrowing. Meanwhile, the Home Equity Loan rates have widened to 5.480% - 6.990%, reflecting a slight increase compared to seven days ago’s narrower range of 5.430% - 5.990%. For homeowners seeking stable payments, the fixed-rate home equity loans provide attractive terms despite recent modest upticks. HELOCs are ideal for those needing revolving credit with predictable low starting rates. For more details, visit https://diamondcu.org/home/home-equity-loans/.
HORIZON CREDIT UNION
As of November 28, 2025, HORIZON’s HELOC rates remain steady, ranging from 2.990% to 18.000% APR, unchanged over the past 30 days. This stable pricing offers consistent borrowing costs for homeowners seeking flexible credit access. The broad rate range accommodates diverse credit profiles and borrowing needs, making the HELOC an attractive option for those requiring adaptable financing solutions rather than fixed-term loans. For homeowners prioritizing flexibility and potential interest savings, HORIZON’s HELOC program provides a transparent and accessible lending option. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
RIVERMARK COMMUNITY CREDIT UNION
As of November 28, 2025, RIVERMARK COMMUNITY’s HELOC rates have notably decreased from a range of 7.49% - 18.00% thirty days ago to a competitive range of 3.00% - 18.00% today. This significant drop in the lower rate bracket offers an attractive borrowing option for homeowners seeking flexible credit access. While the upper APR remains steady at 18.00%, the lower starting rate presents a valuable opportunity for those prioritizing short-term borrowing costs. HELOCs remain well-suited for homeowners needing revolving credit with variable rates and convenience. For more details, visit https://www.rivermarkcu.org/home-loans/home-equity,
LendMesh
Your future deserves strong financial footing. With the right home equity loan, you can fund dreams without draining savings. Start comparing options the smart way at https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re considering using your home’s equity soon, now is a great time to explore HELOC options with rates near 2%, particularly if you need ongoing access to funds or plan smaller, phased projects. For those who prefer certainty in budgeting or have a lump-sum expense ahead, fixed-rate loans around 5.5% to 7% offer valuable peace of mind. Before committing, review your financial goals and how long you expect to carry the loan, HELOCs can fluctuate in rate but offer flexibility; fixed loans lock in costs but with less adaptability. Also, watch for any changes in your credit union’s terms over the coming weeks as market conditions evolve. Ultimately, consulting with your credit union about current specials and personalized advice will help ensure you choose the best product tailored to your needs, turning your home equity into a powerful tool for building your future.