Introduction
If you’re a homeowner weighing options for funding renovations, education, or debt consolidation, today’s home equity rates can guide your decision. As of January 9, 2026, the University of Kentucky is offering an exceptionally low HELOC starting at just 1.990%, making it one of the most attractive choices for flexible borrowing. Whether you prefer a variable-rate line of credit or a fixed-rate home equity loan, these options can unlock the value in your home while keeping costs manageable. Borrowers with strong credit seeking lower introductory rates may especially benefit from these competitive offers. Keeping an eye on recent trends, most rates have remained steady over the past month, providing stability as you plan your next financial step.
Home Equity Loans
Credit Union
Product
2026-01-09
(Current Day)
(Current Day)
2026-01-02
(7 Days Ago)
(7 Days Ago)
2025-12-25
(15 Days Ago)
(15 Days Ago)
2025-12-10
(30 Days Ago)
(30 Days Ago)
2025-11-25
(45 Days Ago)
(45 Days Ago)
2025-11-10
(60 Days Ago)
(60 Days Ago)
2025-10-11
(90 Days Ago)
(90 Days Ago)
2025-07-13
(180 Days Ago)
(180 Days Ago)
Heloc
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
1.990
1.990
1.990 - 18.000
1.990 - 18.000
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 - 17.900
3.990 - 11.250▲ 99 bps
3.990 - 11.250▲ 99 bps
5.500 - 6.882▲ 250 bps
3.990▲ 99 bps
3.990▲ 99 bps
3.990▲ 99 bps
3.990 - 12.000▲ 99 bps
Heloc
3.000 - 18.000
3.000 - 6.750
6.000 - 6.750▲ 300 bps
4.000 - 7.000▲ 100 bps
3.000 - 18.000
6.500 - 7.250▲ 350 bps
6.500 - 7.250▲ 350 bps
6.750 - 7.500▲ 375 bps
Heloc
3.490 - 7.750
3.490 - 12.000
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
3.500 - 18.000
Heloc
6.500 - 7.750
6.500 - 7.750
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 - 5.990
3.500 - 5.990
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of January 9, 2026, UNIVERSITY OF KENTUCKY’s HELOC rates remain steady, ranging from 1.990% to 18.000% APR over the past 30 days, providing flexible borrowing options without rate fluctuations. The fixed-rate Home Equity Loan holds at 7.740% APR, maintaining a consistent rate for borrowers seeking long-term stability. For homeowners prioritizing predictable payments, the fixed-rate loan is an attractive choice; meanwhile, the HELOC suits those needing adaptable access to funds with variable rates. Monitoring these stable rates can help members make informed borrowing decisions aligned with their financial goals. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
DIAMOND CREDIT UNION
As of January 9, 2026, DIAMOND's HELOC rates remain steady at 2.990% to 6.500% APR, holding firm compared to last week and showing a modest improvement from 15 and 30 days ago when the upper range was 6.750%. This slight decline in maximum APR enhances affordability for borrowers seeking flexible credit access. HELOCs offer adaptable borrowing options for homeowners who prefer variable-rate solutions with potential cost savings over time. For members prioritizing rate stability, monitoring future trends remains advisable. For more details, visit https://diamondcu.org/home/home-equity-loans/.
HORIZON CREDIT UNION
As of January 9, 2026, HORIZON’s HELOC rates remain steady, holding at a range of 2.990% to 18.000% APR with no changes over the past 30 days. This consistent pricing provides predictability for members seeking flexible borrowing options. HELOCs are well-suited for homeowners who want revolving credit with variable rates and easy access to funds. While fixed-rate loans may better serve those wanting stable payments, HORIZON’s current HELOC terms offer competitive flexibility without rate fluctuations. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
WESCOM CENTRAL CREDIT UNION
As of January 9, 2026, WESCOM CENTRAL’s HELOC rates range from 3.000% to 17.900%, showing a notable decrease from 5.500% to 6.882% thirty days ago. This reflects increased rate flexibility for borrowers over the past month. Homeowners seeking adaptable financing may find the HELOC option appealing due to its variable terms and competitive low-end rates. Monitoring these fluctuations can help members time their borrowing effectively. For more details, visit https://www.wescom.org/home-loans/home-equity,
ROYAL CREDIT UNION
ROYAL’s HELOC rates have shown notable volatility, with today’s range at 3.000% to 18.000% APR, compared to a tighter spread of 3.000% to 6.750% just 7 days ago. Over the past month, rates fluctuated between 4.000% and 7.000% APR. This wide range reflects varying borrower profiles and credit considerations. Homeowners seeking flexible borrowing options may find HELOCs advantageous for accessing funds as needed while monitoring rate changes closely is advised. 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 9, 2026, EDUCATIONAL SYSTEMS’ HELOC rates remain steady at 3.490% for the low end but have seen a notable improvement on the upper range, decreasing from 12.000% seven days ago to 7.750% today. Over the past month, the maximum APR tightened significantly from 8.250% to 7.750%, reflecting improved borrowing costs for flexible credit access. HELOCs continue to offer homeowners adaptable financing options with competitive starting rates and reduced maximum APRs, ideal for those seeking variable-rate solutions. 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 9, 2026, CREDIT UNION OF COLORADO, A maintains stable Home Equity Loan rates ranging from 3.500% to 18.000% APR, consistent over the past month. Meanwhile, HELOC rates hold steady between 6.500% and 7.750% APR, showing a slight improvement from 6.750% to 8.000% thirty days ago. The broad fixed-rate loan spectrum offers options for diverse borrower needs, while the stable HELOC rates provide flexible credit access for homeowners seeking variable financing solutions. For more details, visit https://www.cuofco.org/mortgage-rates,
SHARON & CRESCENT UNITED CREDIT UNION
As of January 9, 2026, SHARON & CRESCENT UNITED’s HELOC rates remain steady between 3.500% and 18.000%, unchanged over the past 30 days. This consistent pricing provides reliable options for homeowners seeking flexible borrowing with a Home Equity Line of Credit. HELOCs are particularly suited for those needing variable access to funds, offering adaptability without rate volatility at this time. For borrowers prioritizing stability, monitoring for fixed-rate products may be advisable as HELOC rates hold firm. For more details, visit https://www.scucu.com/rates/home-equity-rates.html.
COAST CENTRAL CREDIT UNION
COAST CENTRAL’s Home Equity Loan rate remains steady at 6.750%, unchanged from one week ago and down from 7.000% fifteen and thirty days prior. This consistent decline over the past month highlights an attractive opportunity for borrowers seeking a fixed-rate option with predictable payments. Home equity loans are ideal for those prioritizing long-term stability, while HELOCs generally suit homeowners requiring flexible credit access. For members considering home equity financing, locking in today’s competitive fixed rate can provide financial clarity and budget confidence. For more details, visit https://www.coastccu.org/personal/home-equity-loans-and-lines-of-credit/.
LendMesh
Not sure whether to choose a fixed-rate home equity loan or a flexible HELOC? LendMesh breaks down the differences and helps you compare real offers—so you can borrow with clarity. Visit https://www.lendmesh.com/loans/home_equity_loans to find your fit.
Conclusion
Before tapping into your home equity, consider your financial goals and timeline carefully. If you need flexible access to funds over time, a low-rate HELOC like the one at University of Kentucky could be ideal today. However, if you prefer predictable monthly payments and plan to borrow a lump sum, explore fixed-rate options such as those also available through University of Kentucky or Coast Central. Remember to review terms beyond interest rates, like fees and repayment schedules, to ensure the loan fits your budget. If rates don’t align with your needs right now, waiting for potential market shifts or improving your credit score could secure even better terms later. Ultimately, choosing the right product with a trusted credit union helps turn your home’s equity into a powerful tool for achieving your financial goals.