Introduction
For homeowners considering a home renovation, education expenses, or consolidating debt, tapping into your home equity can be a smart financial move. As of December 12, 2025, the lowest rates available today come from the University of Kentucky’s HELOC program, starting as low as an incredibly competitive 1.99%, offering flexible borrowing options for those who want to access funds without locking into a fixed rate. For borrowers seeking more predictability, fixed-rate home equity loans like those from Diamond Credit Union offer rates starting around 5.45%, while Heritage Credit Union’s wide rate range gives room for various credit profiles. It's important to note that most rates have remained stable over the past month, providing a steady environment for homeowners ready to invest in their future projects or pay down higher-interest debts. Whether you prefer the adjustable nature of a HELOC or the consistency of a fixed loan, today’s market presents valuable opportunities tailored to different financial needs and comfort levels.
Home Equity Loans
Credit Union
Product
2025-12-12
(Current Day)
(Current Day)
2025-12-05
(7 Days Ago)
(7 Days Ago)
2025-11-27
(15 Days Ago)
(15 Days Ago)
2025-11-12
(30 Days Ago)
(30 Days Ago)
2025-10-28
(45 Days Ago)
(45 Days Ago)
2025-10-13
(60 Days Ago)
(60 Days Ago)
2025-09-13
(90 Days Ago)
(90 Days Ago)
Home Equity
6.875 - 10.500
6.875 - 10.500
6.875 - 10.500
6.875 - 10.500
6.750 - 10.500▼ 12.5 bps
6.875 - 10.500
Heloc
1.990 - 18.000
1.990
1.990
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
6.500▲ 451 bps
Home Equity
7.740
7.240▼ 50 bps
7.240▼ 50 bps
7.240▼ 50 bps
7.240▼ 50 bps
Heloc
2.500 - 6.490
2.500 - 6.490
2.500 - 17.125
2.500 - 6.490
2.500 - 6.490
6.490▲ 399 bps
6.490▲ 399 bps
Home Equity
4.990 - 8.490
4.990 - 6.740
4.990 - 8.490
4.990 - 8.490
4.990 - 8.490
4.990 - 6.740
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 - 18.000
3.000 - 7.000
6.500 - 7.250▲ 350 bps
3.000 - 7.250
6.750 - 7.500▲ 375 bps
Heloc
3.250 - 18.000
7.250 - 18.000▲ 400 bps
3.250 - 18.000
3.250 - 18.000
3.250 - 18.000
7.250 - 18.000▲ 400 bps
CHEVRON FEDERAL CREDIT UNION
As of December 12, 2025, CHEVRON’s Home Equity Loan rates remain stable at 7.990% to 8.169% APR, consistent over the past 30 days. This steady pricing offers borrowers a reliable option for fixed-rate home equity financing. For homeowners seeking predictable payments, fixed-rate home equity loans provide a clear advantage over variable products. While no recent rate declines are observed, maintaining current rates supports budgeting certainty. Those needing flexible borrowing may consider other options beyond this fixed product. For more details, visit https://www.chevronfcu.org/rates/heloc.
HERITAGE FEDERAL CREDIT UNION
HERITAGE’s Home Equity Loan rates remain steady between 6.875% and 10.500%, unchanged over the past 30 days. This consistency provides borrowers with reliable options for fixed-rate financing. Home equity loans offer predictable monthly payments, making them suitable for homeowners seeking stable long-term repayment plans. While no rate changes occurred recently, these competitive fixed rates continue to be an attractive choice compared to variable alternatives. For flexible borrowing needs, consider HELOCs, though current HERITAGE data does not reflect rate updates. 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 December 12, 2025, UNIVERSITY OF KENTUCKY's HELOC rates remain steady at a range of 1.990% to 18.000%, consistent with levels from the past month. The fixed-rate Home Equity Loan shows a slight increase to 7.740% APR from 7.240% thirty days ago, reflecting a modest upward adjustment. Homeowners seeking flexible borrowing may find the HELOC’s variable rate appealing, while those preferring predictable payments should consider the fixed-rate Home Equity Loan option. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
SERVICE CREDIT UNION
As of December 12, 2025, SERVICE’s HELOC rates remain steady between 2.500% and 6.490%, consistent over the past week and month. Notably, the upper APR briefly spiked to 17.125% fifteen days ago but has since normalized, reflecting stabilized borrowing costs. HELOCs offer flexible credit access with competitive starting rates, ideal for homeowners seeking variable-rate options without long-term commitment. Monitoring rate trends is key for timing your borrowing decision. For more details, visit https://servicecu.org/borrow/home-equity-loans/#checkrates.
DIAMOND CREDIT UNION
As of December 12, 2025, DIAMOND’s HELOC rates remain stable, holding at a range of 2.990% to 6.750% APR over the past 30 days, offering consistent flexibility for borrowers seeking revolving credit. The Home Equity Loan rates slightly improved, with today's range at 5.450% to 6.990% APR, down marginally from 5.480% fifteen days ago, highlighting competitive fixed-rate options for longer-term borrowing. Homeowners valuing predictable payments may find the fixed-rate Home Equity Loans attractive, while those needing adaptable access should consider the steady HELOC terms. For more details, visit https://diamondcu.org/home/home-equity-loans/.
FIRST SOURCE FEDERAL CREDIT UNION
As of December 12, 2025, FIRST SOURCE HELOC rates remain stable at 2.990% to 6.500% APR, showing a slight decrease in the upper range compared to 15 and 30 days ago. This stability makes HELOCs an attractive option for homeowners seeking flexible borrowing with competitive variable rates. Meanwhile, Home Equity Loan rates hold steady between 4.990% and 8.490% APR, maintaining consistent terms over the past month; longer-term fixed-rate loans provide predictability for borrowers prioritizing stable payments. For homeowners weighing flexibility against fixed payments, these current FIRST SOURCE options offer clear choices tailored to different financial needs. For more details, visit https://www.fsource.org/rates#HomeEquityLineOfCredit.
HORIZON CREDIT UNION
As of December 12, 2025, HORIZON’s HELOC rates remain steady between 2.990% and 18.000% APR, unchanged over the past 30 days. This consistent pricing offers reliable access to flexible credit for homeowners seeking short-term borrowing solutions. While fixed-rate home equity loans are not listed this period, the stable HELOC range provides a transparent option for managing variable needs or home improvements. Homeowners considering flexible funding may find these terms advantageous given current market steadiness. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
ROYAL CREDIT UNION
As of December 12, 2025, ROYAL’s HELOC rates remain steady, with a broad range from 3.000% to 18.000% APR over the past week. Notably, the lower end of the rate spectrum has stayed consistent at 3.000%, offering an attractive option for borrowers seeking flexible access to funds. Compared to 30 days ago, the minimum rate improved significantly from 6.500%, highlighting increased affordability for some members. Homeowners interested in adjustable borrowing terms may find these HELOC offerings well-suited for managing varying cash flow needs. 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 December 12, 2025, FAMILY TRUST’s HELOC rates remain stable, with current APRs ranging from 3.250% to 18.000%, consistent over the past 15 and 30 days. Notably, last week showed a temporary increase at the low end to 7.250%, but rates have since returned to earlier levels. This stability offers reliable options for homeowners seeking flexible borrowing solutions. HELOCs may appeal to those needing ongoing access to funds with variable rates tied to market conditions. For more details, visit https://www.familytrust.org/borrow-better/mortgage-home-equity/home-equity-lines-of-credit.html.
LendMesh
College tuition? Medical bills? Major upgrades? A home equity loan could be the key to handling life’s big expenses. At LendMesh, we help you find rates and terms that make sense. Start comparing lenders at https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re thinking about using your home equity now, start by assessing your financial goals and how soon you’ll need access to funds. A HELOC might be ideal if you want flexibility and plan on borrowing intermittently for ongoing projects or education costs. Conversely, if you prefer predictable payments and a locked-in interest rate, a fixed-rate home equity loan could give you peace of mind. Keep in mind that today’s lowest HELOC rates are exceptionally attractive but vary widely across credit unions, so shopping around is key. If your credit profile is strong, locking in one of these low rates could save you significant money over time. However, if market conditions or personal finances feel uncertain, waiting for further rate shifts or improving your credit score might improve your offers down the line. Above all, remember that using home equity responsibly can be a powerful tool, always ensure the loan fits comfortably within your budget and long-term plans before committing.