Introduction
If you’re considering accessing your home equity now, start by comparing both HELOC and fixed-rate home equity loans based on your personal financial goals, whether that’s managing monthly payments or locking in a predictable rate. Keep in mind that while some credit unions offer ultra-low introductory HELOC rates starting at 1.990%, variable rates can fluctuate over time, so be sure to ask about potential rate caps and terms. If your project timeline is flexible or if you’re wary of interest rate changes, a fixed-rate loan like University of Kentucky’s 7.740% option might provide peace of mind. Also, check for any recent rate changes over the past month to anticipate market trends before committing. Lastly, don’t hesitate to reach out directly to credit unions for personalized quotes and advice, they can help you navigate eligibility criteria and uncover special promotions that fit your situation perfectly. Making an informed choice today could save you thousands tomorrow.
Home Equity Loans
Credit Union
Product
2025-12-26
(Current Day)
(Current Day)
2025-12-19
(7 Days Ago)
(7 Days Ago)
2025-12-11
(15 Days Ago)
(15 Days Ago)
2025-11-26
(30 Days Ago)
(30 Days Ago)
2025-11-11
(45 Days Ago)
(45 Days Ago)
2025-10-27
(60 Days Ago)
(60 Days Ago)
2025-09-27
(90 Days Ago)
(90 Days Ago)
2025-06-29
(180 Days Ago)
(180 Days Ago)
Heloc
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
1.990
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
Home Equity
7.740
7.740
7.740
7.240▼ 50 bps
7.240▼ 50 bps
7.240▼ 50 bps
Heloc
2.500 - 17.125
2.500 - 17.125
2.500 - 6.490
2.500 - 17.125
2.500 - 6.490
2.500 - 6.490
6.490▲ 399 bps
Home Equity
5.470 - 6.990
5.520 - 6.990▲ 5 bps
5.450 - 6.990▼ 2 bps
5.480 - 6.990▲ 1 bps
Heloc
2.990 - 6.500
2.990 - 6.500
2.990 - 6.750
2.990 - 6.750
2.990 - 7.000
Home Equity
4.990 - 8.490
4.990 - 6.740
4.990 - 8.490
4.990 - 8.490
4.990 - 8.490
4.990 - 8.490
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 - 6.750
3.000 - 18.000
3.000 - 18.000
6.500 - 7.250▲ 350 bps
3.000 - 18.000
6.750 - 7.500▲ 375 bps
Heloc
3.490 - 8.250
3.490 - 8.250
3.490 - 8.250
3.490 - 8.250
3.490 - 12.000
3.490 - 12.000
Heloc
3.500 - 18.000
6.500 - 7.750▲ 300 bps
6.750 - 8.000▲ 325 bps
6.750 - 8.000▲ 325 bps
6.750 - 8.000▲ 325 bps
3.500 - 18.000
3.500 - 18.000
CPM FEDERAL CREDIT UNION
As of December 26, 2025, CPM’s HELOC rates remain steady between 1.990% and 6.990% APR, unchanged from a week ago. This stability offers predictable borrowing costs for homeowners seeking flexible access to funds. While no new fixed-rate home equity loan data is available, the consistent HELOC range presents an attractive option for those valuing adjustable credit lines with competitive rates. Homeowners considering renovations or debt consolidation may find CPM’s HELOCs a practical choice given the transparent rate structure and accessibility. For more details, visit https://www.cpmfed.com/rates/.
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION
As of December 26, 2025, ABERDEEN PROVING GROUND's HELOC rates range from 1.990% to 8.000%, providing a broad spectrum for borrowers seeking flexible home equity access. Since no prior rate data is available for comparison, no trend analysis can be made at this time. Home Equity Lines of Credit (HELOCs) remain an attractive option for homeowners requiring adaptable borrowing with variable rates tied to market conditions. For borrowers prioritizing flexibility over fixed terms, these HELOC offerings present accessible financing solutions tailored to diverse needs. For more details, visit https://www.apgfcu.com/rates/home-equity-rates.html.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of December 26, 2025, UNIVERSITY OF KENTUCKY HELOC rates remain steady at 1.990% to 18.000% APR, showing no change over the past 30 days. The fixed-rate Home Equity Loan holds at a consistent 7.740% APR, offering a stable long-term borrowing option for homeowners. For borrowers seeking flexible access to funds, the HELOC continues to provide variable rates with a broad APR range suited to different credit profiles. Meanwhile, those prioritizing predictable payments may find the fixed Home Equity Loan an attractive choice. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity,
SERVICE CREDIT UNION
As of December 26, 2025, SERVICE’s HELOC rates remain stable, with current APRs ranging from 2.500% to 17.125%, consistent over the past week and month. The wide rate spread reflects flexible credit access options for varying borrower profiles. Homeowners seeking adaptable borrowing solutions may find HELOCs attractive for managing expenses or home improvements due to this flexibility. While the upper APR fluctuated briefly 15 days ago, it has since reverted, indicating steady market conditions. For borrowers prioritizing predictable payments, monitoring future fixed-rate offerings remains advisable. For more details, visit https://servicecu.org/borrow/home-equity-loans/#checkrates.
DIAMOND CREDIT UNION
As of December 26, 2025, DIAMOND’s HELOC rates remain steady between 2.990% and 6.750%, unchanged from 15 days ago, offering flexible borrowing options for homeowners seeking variable-rate credit. Meanwhile, Home Equity Loan rates slightly decreased at the lower end to 5.470% from 5.520% a week ago, maintaining a competitive fixed-rate range up to 6.990%. This makes the home equity loan attractive for borrowers prioritizing predictable payments over longer terms. For those needing flexible access with potential rate adjustments, the HELOC remains a viable choice. For more details, visit https://diamondcu.org/home/home-equity-loans/.
FIRST SOURCE FEDERAL CREDIT UNION
As of December 26, 2025, FIRST SOURCE HELOC rates remain steady, ranging from 2.990% to 6.500%, consistent with 15 days ago and slightly improved from 6.750% a month prior. Meanwhile, Home Equity Loan rates hold firm at 4.990% to 8.490%, maintaining the same range seen over the past month despite some fluctuation in mid-December. The stable HELOC pricing offers flexible borrowing options for homeowners seeking variable access to funds, while the fixed-rate Home Equity Loans provide predictable payments for longer-term planning. For more details, visit https://www.fsource.org/rates#HomeEquityLineOfCredit.
HORIZON CREDIT UNION
As of December 26, 2025, HORIZON’s HELOC rates remain steady between 2.990% and 18.000% APR, showing no change over the past 30 days. This stability offers predictable borrowing costs for homeowners seeking flexible access to equity. While fixed-rate home equity loans are not listed this week, the consistent HELOC pricing provides a reliable option for managing variable financial needs. Homeowners considering ongoing access to funds may find the HELOC’s range advantageous for tailored borrowing. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
ROYAL CREDIT UNION
As of December 26, 2025, ROYAL's HELOC rates remain steady at 3.000% to 18.000% APR, consistent with the past 15 and 30 days. Notably, a slight narrowing occurred compared to seven days ago when the upper range dipped to 6.750%, suggesting stable long-term pricing for flexible borrowing. HELOCs continue to offer homeowners adaptable credit lines ideal for ongoing expenses or home improvements. Those seeking predictable payments might consider fixed-rate options elsewhere, as this update covers only HELOCs. 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 26, 2025, EDUCATIONAL SYSTEMS' HELOC rates remain steady, ranging from 3.490% to 8.250% APR with no change over the past 30 days. This consistent pricing offers reliable access for homeowners seeking flexible borrowing options. A HELOC may be particularly attractive for those needing ongoing access to funds with variable rates tied to market conditions. While fixed-rate home equity loans are not listed this week, the stable HELOC rates provide a transparent choice for managing home improvements or debt consolidation. For more details, visit https://www.esfcu.org/rates/loans-and-credit-card-rates.
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION
As of December 26, 2025, HELOC rates at CREDIT UNION OF COLORADO, A have notably declined, with current rates ranging from 3.500% to 18.000%, compared to a range of 6.500% to 7.750% just one week ago. This significant drop may provide homeowners with more affordable access to flexible credit. HELOCs remain an attractive option for those seeking variable-rate borrowing with convenient draw periods. Borrowers should consider their financial needs carefully, as the wide rate range reflects varying credit profiles and terms. For more details, visit https://www.cuofco.org/mortgage-rates,
LendMesh
Life doesn’t wait. If you need access to cash today, a home equity line of credit can offer flexibility for tomorrow. Explore flexible HELOC options from real lenders at https://www.lendmesh.com/loans/home_equity_loans .