Introduction
For homeowners looking to unlock the potential of their property, January 2, 2026, brings some encouraging news. Whether you’re planning home renovations, funding education, or consolidating debt, today’s lowest HELOC rate starts at an incredibly low 0.250% with Newport News Shipbuilding Employees Credit Union, a standout option for borrowers seeking flexible access to funds. Fixed-rate home equity loans remain steady across the board, with Newport News also offering competitive rates beginning at 6.140%. If you value predictability in your payments, these fixed options are reliable and unchanged over the past month. For those who prefer variable rates or want a broader range of borrowing terms, other credit unions like Aberdeen Proving Ground and Diamond offer solid HELOC choices starting just under 2% and 3%, respectively. Keep an eye on the University of Kentucky’s HELOC as well, it holds steady but comes with a higher maximum rate that could impact long-term costs. Overall, today’s market favors borrowers ready to tap into affordable home equity with several credit unions maintaining stable rates from last week and last month, making this an ideal moment for savvy homeowners.
Home Equity Loans
Credit Union
Product
2026-01-02
(Current Day)
(Current Day)
2025-12-26
(7 Days Ago)
(7 Days Ago)
2025-12-18
(15 Days Ago)
(15 Days Ago)
2025-12-03
(30 Days Ago)
(30 Days Ago)
2025-11-18
(45 Days Ago)
(45 Days Ago)
2025-11-03
(60 Days Ago)
(60 Days Ago)
2025-10-04
(90 Days Ago)
(90 Days Ago)
2025-07-06
(180 Days Ago)
(180 Days Ago)
Heloc
0.250 - 9.240
6.490 - 9.240▲ 624 bps
6.490 - 9.240▲ 624 bps
0.250 - 9.240
0.250 - 9.240
Home Equity
6.140 - 9.240
6.140 - 9.240
6.140 - 9.240
6.140 - 9.240
6.140 - 9.240
6.140 - 9.240
6.140 - 9.240
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
2.990 - 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 - 6.750
3.000 - 18.000
3.000 - 6.750
3.000 - 18.000
3.000 - 7.000
6.500 - 7.250▲ 350 bps
6.500 - 7.250▲ 350 bps
6.750 - 7.500▲ 375 bps
Heloc
3.490 - 12.000
3.490 - 8.250
3.490 - 8.250
3.490 - 8.250
3.490 - 8.250
3.490 - 8.250
Other
3.500 - 18.000
3.500 - 18.000
3.500 - 18.000
3.500 - 18.000
Heloc
6.500 - 7.750
3.500 - 18.000▼ 300 bps
6.500 - 7.750
6.750 - 8.000▲ 25 bps
6.750 - 8.000▲ 25 bps
6.750 - 8.000▲ 25 bps
3.500 - 18.000▼ 300 bps
7.250 - 8.500▲ 75 bps
Heloc
3.500 - 18.000
3.500 - 18.000
3.500 - 18.000
3.500 - 18.000
3.500 - 18.000
3.500 - 18.000
NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION
As of January 2, 2026, HELOC rates at Newport News Shipbuilding Employees Credit Union range from 0.250% to 9.240%, showing a wider span compared to 30 days ago when rates started at 6.490%. This suggests increased flexibility for borrowers seeking variable-rate options. Meanwhile, Home Equity Loan rates remain steady between 6.140% and 9.240% over the past month, offering stable fixed-rate choices for longer-term financing. Homeowners looking for flexible access to funds may find HELOCs attractive, while those prioritizing predictable payments should consider the fixed Home Equity Loans. For more details, visit https://www.bayportcu.org/rates/.
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION
As of January 2, 2026, ABERDEEN PROVING GROUND's HELOC rates remain steady between 1.990% and 8.000%, showing no change over the past week. This stability benefits homeowners seeking flexible borrowing options without rate volatility. While fixed-rate home equity loans are not currently listed, the consistent HELOC range offers accessible terms for those needing revolving credit tied to home equity. For borrowers prioritizing adaptable access with competitive rates, this product remains a reliable choice. For more details, visit https://www.apgfcu.com/rates/home-equity-rates.html.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of January 2, 2026, HELOC rates at UNIVERSITY OF KENTUCKY remain steady between 1.990% and 18.000% APR, consistent over the past 30 days, offering flexible borrowing options for homeowners. The fixed-rate Home Equity Loan stands at 7.740% APR, unchanged from recent weeks, providing a stable choice for those seeking predictable payments. For borrowers prioritizing flexibility, the HELOC’s variable range suits varying needs; meanwhile, the fixed-rate Home Equity Loan appeals to members wanting long-term rate security. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
DIAMOND CREDIT UNION
As of January 2, 2026, DIAMOND’s HELOC rates remain stable at 2.990% to 6.500% APR, holding steady over the past week and showing a slight improvement from 6.750% APR fifteen days ago. This consistency benefits borrowers seeking flexible access to funds with competitive variable rates. Homeowners valuing adjustable borrowing options will find the current HELOC pricing attractive for managing short-term financing needs. For more detailed information on DIAMOND’s home equity products, visit https://diamondcu.org/home/home-equity-loans/.
HORIZON CREDIT UNION
HORIZON’s HELOC rates remain steady at a range of 2.990% to 18.000% APR over the past 30 days, offering consistent terms for borrowers seeking flexible home equity access. This product suits homeowners who prefer variable borrowing with the ability to draw funds as needed. While no rate changes occurred recently, the broad APR range accommodates various credit profiles. For those prioritizing adaptable financing, the current HELOC terms provide reliable options without volatility. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
ROYAL CREDIT UNION
As of January 2, 2026, ROYAL’s HELOC rates remain stable at a range of 3.000% to 6.750% APR, showing a notable narrowing from the wider 3.000% to 18.000% range seen 7 and 30 days ago. This tightening suggests improved pricing consistency for borrowers seeking flexible credit access. HELOCs offer adaptable borrowing options ideal for homeowners who prefer variable use and repayment terms. For those considering home equity financing, ROYAL’s current HELOC rates provide an accessible solution with competitive pricing across the board. 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 January 2, 2026, EDUCATIONAL SYSTEMS' HELOC rates remain steady at 3.490% APR for the lowest tier, with the upper range increasing to 12.000% APR, up from 8.250% over the past 30 days. This widening spread may reflect adjustments in risk tiers or market factors. Homeowners seeking flexible borrowing should consider the HELOC option for its variable access and competitive entry rate. Monitoring these changes is crucial for those planning to leverage home equity efficiently. For more details, visit https://www.esfcu.org/rates/loans-and-credit-card-rates.
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION
As of January 2, 2026, HELOC rates at Credit Union of Colorado, A remain stable between 6.500% and 7.750%, showing a slight improvement from 30 days ago when rates ranged up to 8.000%. The broad Home Equity Loan range holds steady at 3.500% to 18.000%, maintaining consistent access to fixed-rate options. Homeowners seeking predictable payments may find the lower-end fixed-rate loans attractive, while HELOCs offer flexible borrowing for ongoing expenses or home projects. For detailed terms and current offerings, visit https://www.cuofco.org/mortgage-rates.
SHARON & CRESCENT UNITED CREDIT UNION
SHARON & CRESCENT UNITED's HELOC rates remain steady at 3.500% to 18.000% APR over the past 30 days, reflecting consistent pricing in flexible home equity financing. This stability benefits homeowners seeking a revolving credit line with predictable terms. HELOCs are ideal for borrowers needing ongoing access to funds with competitive variable rates. While fixed-rate home equity loans are not currently listed, the unchanged HELOC range offers reliable options for managing home improvements or debt consolidation. For more details, visit https://www.scucu.com/rates/home-equity-rates.html,
LendMesh
Thinking about remodeling the kitchen or finally building that home office? A home equity loan can help bring those plans to life. At LendMesh, we compare offers from credit unions and banks so you can choose with confidence. Get started at https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
If you’re weighing whether to tap into your home equity now or hold off, consider these key points: lock in a fixed-rate home equity loan if you prefer predictable payments without surprises, especially since those rates have remained stable recently. On the other hand, if you need ongoing flexibility and can tolerate some variability in interest rates, a HELOC with rates as low as 0.250% offers tremendous value, but be mindful of potential rate increases over time. Before making a decision, review your financial goals and how much risk you’re comfortable taking on, particularly if you anticipate fluctuating income or expenses. Also, check for any changes in fees or terms beyond just the interest rate that might affect your total cost. Ultimately, reaching out to your local credit union for personalized advice can help you lock in the best deal tailored to your situation, remember, timing and understanding your options are critical to maximizing your home equity’s benefits today and beyond.