Introduction
For homeowners looking to unlock the potential of their property, December 5, 2025, brings some promising opportunities. Whether you’re planning a kitchen remodel, funding education, or consolidating debt, knowing where to find the best rates can make a significant difference. The University of Kentucky stands out with an exceptionally low HELOC rate of just 1.990%, making it an attractive option for borrowers seeking flexible access to funds at minimal cost. Meanwhile, CPM Credit Union offers competitive HELOC rates starting at 1.990%, providing another excellent choice for those who want variable-rate financing. For fixed-rate home equity loans, STAR ONE Credit Union features some of the lowest rates in the market today, ranging from 6.125% to 6.500%, stable compared to last month’s slightly higher figures. If you prefer predictable payments over time, these fixed-rate options could fit your budget well. Homeowners should consider their financial goals and risk tolerance carefully, those comfortable with fluctuating rates may lean toward HELOCs with ultra-low starting points, while others might prioritize the certainty of a fixed loan.
Home Equity Loans
Credit Union
Product
2025-12-05
(Current Day)
(Current Day)
2025-11-28
(7 Days Ago)
(7 Days Ago)
2025-11-20
(15 Days Ago)
(15 Days Ago)
2025-11-05
(30 Days Ago)
(30 Days Ago)
2025-10-21
(45 Days Ago)
(45 Days Ago)
2025-10-06
(60 Days Ago)
(60 Days Ago)
2025-09-06
(90 Days Ago)
(90 Days Ago)
Home Equity
6.875 - 10.500
6.875 - 10.500
6.875 - 10.500
6.875 - 10.500
6.875 - 10.500
Heloc
7.000 - 18.000
7.000
7.000
6.250 - 11.500▼ 75 bps
6.650 - 11.500▼ 35 bps
6.500 - 11.500▼ 50 bps
6.625 - 7.500▼ 37.5 bps
Home Equity
6.125 - 6.500
6.125 - 6.375
6.250 - 6.625▲ 12.5 bps
6.250 - 6.625▲ 12.5 bps
6.204 - 6.315▲ 7.9 bps
6.125 - 6.250
6.000 - 6.250▼ 12.5 bps
Heloc
1.990
1.990
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 - 17.125
2.500 - 17.125
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
2.990 - 18.000
Heloc
3.000 - 18.000
3.000 - 7.000
3.000 - 7.000
3.000 - 18.000
3.000 - 18.000
6.500 - 7.250▲ 350 bps
3.000 - 18.000
Heloc
3.490 - 8.250
3.490 - 8.250
3.490 - 8.250
3.490 - 8.250
3.490 - 8.250
HERITAGE FEDERAL CREDIT UNION
As of December 5, 2025, HERITAGE’s Home Equity Loan rates remain steady, ranging from 6.875% to 10.500% with no changes over the past 30 days. This consistent pricing provides stability for borrowers considering fixed-rate home equity financing. For homeowners seeking predictable monthly payments, the fixed-rate Home Equity Loan offers a reliable borrowing option. While no rate shifts occurred recently, maintaining these competitive rates supports long-term financial planning. For more details, visit https://www.heritagefederal.org/personal-banking/loans-and-credit-cards/loan-rates/home-equity-and-improvement-rates.
STAR ONE CREDIT UNION
As of December 5, 2025, STAR ONE HELOC rates range from 7.000% to 18.000% APR, showing a slight increase from the consistent 7.000% seen 7 and 15 days ago, and up from a lower band of 6.250% over 30 days ago. Meanwhile, Home Equity Loan rates remain relatively stable between 6.125% and 6.500% APR, with a minor tightening in the upper range compared to earlier periods. For borrowers seeking predictable payments, the fixed-rate home equity loans offer competitive terms. In contrast, HELOCs provide flexible credit access for ongoing expenses or home improvements. For more details, visit https://www.starone.org/home-equity-loan/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of December 5, 2025, the University of Kentucky’s HELOC rate remains steady at 1.990%, unchanged from both 7 and 30 days ago. This consistent low rate offers homeowners flexible borrowing options with predictable costs. For those seeking adaptable access to funds without locking into fixed terms, the HELOC at 1.990% presents an attractive solution in today’s market. Borrowers should consider their financial needs carefully when choosing between home equity products. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
CPM FEDERAL CREDIT UNION
As of December 5, 2025, CPM’s HELOC rates remain steady at a competitive range of 1.990% to 6.990%, maintaining the attractive low-end rate seen 30 days ago. This stability offers homeowners flexible access to credit with predictable costs. For borrowers seeking variable-rate options with convenient draw periods, the HELOC product provides a cost-effective solution without rate increases over the past month. Homeowners should consider CPM’s HELOC for short-term borrowing needs or ongoing home improvement projects requiring financial flexibility. For more details, visit https://www.cpmfed.com/rates/.
SERVICE CREDIT UNION
As of December 5, 2025, SERVICE's HELOC rates remain stable, holding steady at 2.500% to 6.490% APR over the past 30 days after a notable decline from earlier highs near 17%. This consistency offers homeowners flexible borrowing options with competitive pricing. A HELOC may suit those needing revolving credit for home improvements or unexpected expenses, given its adaptable access and attractive current range. Monitoring these rates can help members optimize borrowing costs effectively. For more details, visit https://servicecu.org/borrow/home-equity-loans/#checkrates.
DIAMOND CREDIT UNION
As of December 5, 2025, DIAMOND’s HELOC rates remain steady at a competitive range of 2.990% to 6.750%, unchanged from both 7 and 30 days ago. This consistent pricing provides reliable access for homeowners seeking flexible borrowing options through HELOCs. While no fixed-rate home equity loans are currently listed, the stable variable rates offer attractive terms for borrowers prioritizing flexibility over long-term fixed payments. HELOCs may appeal to those needing ongoing access to funds with transparent, predictable rates. For more details, visit https://diamondcu.org/home/home-equity-loans/.
HORIZON CREDIT UNION
As of December 5, 2025, HORIZON’s HELOC rates remain steady at 2.990% to 18.000% APR, unchanged over the past 30 days. This stable range offers consistent terms for borrowers seeking flexible access to home equity funds. HELOCs may appeal to homeowners needing adaptable credit lines rather than fixed loan payments. While no shifts occurred recently, this reliability supports informed borrowing decisions. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
ROYAL CREDIT UNION
As of December 5, 2025, ROYAL’s HELOC rates show a broad range from 3.000% to 18.000%, consistent with the variability seen over the past 30 days. While the lower end remains stable at 3.000%, the upper limit has fluctuated between 7.000% and 18.000%, reflecting changing risk assessments or borrower profiles. Homeowners seeking flexible borrowing options may find HELOCs appealing for their adjustable access to funds and competitive starting rates. Monitoring these ranges can help borrowers time their applications for optimal terms. For more details, visit https://www.rcu.org/loans-credit/home-mortgage-loans/home-equity-line-of-credit#rates.
EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION
As of December 5, 2025, EDUCATIONAL SYSTEMS’ HELOC rates remain steady, holding at a range of 3.490% to 8.250% APR over the past 30 days. This stability provides consistent options for borrowers seeking flexible home equity access without rate fluctuations. HELOCs are well-suited for homeowners needing adaptable credit lines rather than fixed repayment terms. While no new rate shifts occurred recently, maintaining competitive HELOC pricing supports borrowers looking for variable-rate solutions tied to short-term financial needs. For more details, visit https://www.esfcu.org/rates/loans-and-credit-card-rates.
LendMesh
You’ve built equity in your home—now make it work for your goals. Whether it’s funding a big purchase, handling emergency costs, or improving your space, LendMesh helps you find the right home equity loan. Start comparing offers at https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
If you’re thinking about tapping into your home equity now, start by comparing not just rates but also terms and fees across credit unions to find what truly fits your situation. The remarkably low HELOC rates from University of Kentucky and CPM offer cost-effective flexibility but remember that variable rates can rise over time. If you prefer stability in your monthly payments, STAR ONE’s fixed-rate home equity loans provide a dependable path without surprises. Before committing, assess your renovation timeline or repayment plan carefully, a shorter project might benefit more from a HELOC’s revolving credit feature, whereas long-term goals could align better with fixed loans. Finally, don’t hesitate to reach out directly to credit union representatives; they can help clarify eligibility requirements and guide you through application steps smoothly. By staying informed and proactive today, you’ll maximize the value of your home’s equity while protecting your financial future.