Introduction
As of December 19, 2025, homeowners looking to leverage their property’s value for renovations, education costs, or consolidating debt have some compelling options to consider. If you’re seeking the lowest rates available today, a Home Equity Line of Credit (HELOC) from CPM stands out with rates starting as low as 1.990%, offering flexible access to funds when you need them most. Fixed-rate home equity loans are also attractive for those who prefer predictable monthly payments, with rates hovering around 5.450% to 8.169% depending on the credit union. Notably, Heritage Credit Union presents a wide range of fixed loan rates up to 10.500%, giving borrowers diverse choices based on their credit profile and loan amount. Whether you want the stability of a fixed rate or the adaptability of a HELOC, these offers cater well to homeowners ready to invest in their future with confidence.
Home Equity Loans
Credit Union
Product
2025-12-19
(Current Day)
(Current Day)
2025-12-12
(7 Days Ago)
(7 Days Ago)
2025-12-04
(15 Days Ago)
(15 Days Ago)
2025-11-19
(30 Days Ago)
(30 Days Ago)
2025-11-04
(45 Days Ago)
(45 Days Ago)
2025-10-20
(60 Days Ago)
(60 Days Ago)
2025-09-20
(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 - 18.000
1.990
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
Home Equity
7.740
7.740
7.240▼ 50 bps
7.240▼ 50 bps
7.240▼ 50 bps
7.240▼ 50 bps
Heloc
2.500 - 17.125
2.500 - 6.490
2.500 - 6.490
2.500 - 17.125
2.500 - 6.490
6.490 - 17.125▲ 399 bps
6.490▲ 399 bps
Home Equity
5.450 - 6.990
5.450 - 6.990
5.480 - 6.990▲ 3 bps
5.430 - 5.990▼ 2 bps
5.310 - 5.990▼ 14 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
Heloc
3.000 - 6.750
3.000 - 18.000
3.000 - 18.000
3.000 - 7.000
6.500 - 7.250▲ 350 bps
6.500 - 7.250▲ 350 bps
3.000 - 7.500
Heloc
3.250 - 18.000
3.250 - 18.000
3.250 - 18.000
7.250 - 18.000▲ 400 bps
3.250 - 18.000
3.250 - 18.000
Heloc
3.490 - 8.250
3.490 - 8.250
3.490 - 8.250
3.490 - 8.250
3.490 - 8.250
3.490 - 8.250
CHEVRON FEDERAL CREDIT UNION
As of December 19, 2025, CHEVRON’s Home Equity Loan rates remain steady between 7.990% and 8.169% APR, unchanged over the past 30 days. This consistency offers borrowers predictable costs for fixed-rate home equity financing. While no rate shifts occurred recently, the stable range supports reliable budgeting for homeowners seeking long-term fixed-rate loans. Homeowners valuing flexible borrowing may consider CHEVRON’s HELOC options, which provide accessible credit lines with competitive terms. For those planning home improvements or debt consolidation, these products present transparent and steady lending solutions. For more details, visit https://www.chevronfcu.org/rates/heloc.
HERITAGE FEDERAL CREDIT UNION
As of December 19, 2025, HERITAGE's Home Equity Loan rates remain steady between 6.875% and 10.500%, with no changes observed over the past 30 days. This stability offers borrowers consistent access to fixed-rate home equity financing without rate fluctuations. For homeowners seeking predictable payments, these fixed-rate loans provide a reliable borrowing option. While no recent shifts have occurred, maintaining awareness of current rates ensures informed decisions about leveraging home equity. For more details, visit https://www.heritagefederal.org/personal-banking/loans-and-credit-cards/loan-rates/home-equity-and-improvement-rates,
CPM FEDERAL CREDIT UNION
As of December 19, 2025, CPM’s HELOC rates remain steady between 1.990% and 6.990%, consistent with rates from 15 days ago. This stability offers predictable borrowing costs for homeowners seeking flexible access to funds. HELOCs are well-suited for those needing ongoing credit rather than a fixed lump sum. With no recent rate increases or decreases, borrowers can plan confidently without concern for short-term volatility. For detailed rate information and terms, visit https://www.cpmfed.com/rates/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of December 19, 2025, HELOC rates at University of Kentucky remain steady between 1.990% and 18.000% APR, consistent with the past 30 days, offering flexible borrowing options for homeowners. The fixed-rate Home Equity Loan is stable at 7.740% APR, slightly higher than 7.240% thirty days ago but unchanged over the last week, providing a reliable choice for borrowers seeking predictable payments. For those needing adaptable credit access, the HELOC’s broad rate range is attractive; meanwhile, fixed-rate loans suit members prioritizing payment certainty. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
SERVICE CREDIT UNION
As of December 19, 2025, SERVICE’s HELOC rates remain stable at a range of 2.500% to 17.125% APR, showing no change over the past 30 days. This wide rate band reflects varied borrower profiles and credit factors. Homeowners seeking flexible borrowing options may find HELOCs appealing for ongoing access to equity without fixed repayment terms. For borrowers prioritizing predictability, exploring fixed-rate home equity loans could be advantageous, though current data does not show updated fixed loan rates. For more details, visit https://servicecu.org/borrow/home-equity-loans/#checkrates.
DIAMOND CREDIT UNION
As of December 19, 2025, DIAMOND's HELOC rates remain stable, holding steady at a range of 2.990% to 6.750% over the past week and two weeks. Meanwhile, Home Equity Loan rates show slight variation, with today's range at 5.450% to 6.990%, marginally tightening on the lower end compared to 15 days ago. The consistent HELOC pricing offers flexible borrowing for homeowners seeking variable access, while the fixed-rate home equity loans provide attractive options for those prioritizing predictable payments. For more details, visit https://diamondcu.org/home/home-equity-loans/.
HORIZON CREDIT UNION
As of December 19, 2025, HORIZON’s HELOC rates remain steady between 2.990% and 18.000%, unchanged over the past 30 days. This stability offers predictable borrowing costs for homeowners seeking flexible credit access. HELOCs are ideal for those needing ongoing funds with variable rates tied to market conditions. While no fixed-rate home equity loans are currently listed, HORIZON’s consistent HELOC pricing supports financial planning without rate volatility concerns. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
ROYAL CREDIT UNION
As of December 19, 2025, ROYAL’s HELOC rates remain stable at a range of 3.000% to 6.750%, showing a notable narrowing from the wider spread seen 7 and 15 days ago. The current tighter range reflects improved rate predictability for borrowers seeking flexible home equity access. Homeowners considering a HELOC can benefit from these consistent rates, especially those needing revolving credit options rather than fixed terms. 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 19, 2025, FAMILY TRUST’s HELOC rates remain steady at 3.250% to 18.000%, unchanged over the past 15 days but significantly lower than the 7.250% floor seen 30 days ago. This stability at competitive rates offers homeowners flexible borrowing options with transparent terms. HELOCs are ideal for those seeking revolving credit with variable rates tied to market conditions. For members considering accessible home equity financing, these consistent rates provide predictability alongside flexibility. For more details, visit https://www.familytrust.org/borrow-better/mortgage-home-equity/home-equity-lines-of-credit.html.
EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION
As of December 19, 2025, EDUCATIONAL SYSTEMS' HELOC rates remain stable, ranging from 3.490% to 8.250% APR with no change over the past 30 days. This consistency offers predictability for borrowers seeking flexible credit access. HELOCs are ideal for homeowners needing adjustable borrowing options without committing to fixed terms. While no recent rate shifts occurred, these competitive ranges provide accessible financing solutions. For members prioritizing flexibility and transparent terms, EDUCATIONAL SYSTEMS continues to deliver reliable home equity lending options. For more details, visit https://www.esfcu.org/rates/loans-and-credit-card-rates.
LendMesh
Your financial goals are unique—and so is your home equity. Whether you're looking for a one-time loan or revolving credit, LendMesh lets you find the right match with ease. Compare at https://www.lendmesh.com/loans/home_equity_loans and move forward with confidence.
Conclusion
If you’re considering tapping into your home equity now, start by evaluating your financial goals and how soon you’ll need funds. A HELOC can be ideal for ongoing projects or unpredictable expenses due to its variable rate and revolving credit feature, especially with competitive rates like CPM’s starting at 1.990%. For those preferring certainty in budgeting, a fixed-rate home equity loan might be safer despite slightly higher rates. Keep an eye on recent trends; most rates have remained stable over the past month, but some credit unions show variability that could impact your decision. Before applying, shop around and compare offers closely, paying attention not just to rates but also terms and fees. Finally, consult with your credit union about pre-approval options and understand how much equity you can responsibly access, this ensures your borrowing supports your financial health long term.