Introduction
For homeowners looking to unlock the potential of their property, today’s home equity loan and HELOC rates offer some compelling opportunities. As of January 16, 2026, borrowers seeking flexible access to funds can find standout low HELOC rates starting at just 1.99% from CPM and the University of Kentucky, making these options particularly attractive for those planning renovations, education expenses, or debt consolidation. Fixed-rate home equity loans remain steady, with competitive offers like the University of Kentucky’s 7.74% and Coast Central’s 6.75%, ideal for borrowers who prefer predictable monthly payments. While most credit unions have maintained stable rates over the past month, Community Financial recently lowered its HELOC floor from 6.75% to 2.00%, signaling a shift that savvy homeowners should watch closely. Whether you need a short-term borrowing solution or a fixed repayment plan, today's market has options tailored to diverse financial goals.
Home Equity Loans
Credit Union
Product
2026-01-16
(Current Day)
(Current Day)
2026-01-09
(7 Days Ago)
(7 Days Ago)
2026-01-01
(15 Days Ago)
(15 Days Ago)
2025-12-17
(30 Days Ago)
(30 Days Ago)
2025-12-02
(45 Days Ago)
(45 Days Ago)
2025-11-17
(60 Days Ago)
(60 Days Ago)
2025-10-18
(90 Days Ago)
(90 Days Ago)
2025-07-20
(180 Days Ago)
(180 Days Ago)
Heloc
1.990 - 6.990
1.990 - 6.990
1.990 - 6.990
1.990 - 6.990
1.990 - 6.990
1.990 - 7.240
Heloc
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
1.990
1.990 - 18.000
1.990 - 18.000
Home Equity
7.740
7.740
7.740
7.740
7.240▼ 50 bps
7.240▼ 50 bps
Heloc
2.000 - 25.000
6.750 - 25.000▲ 475 bps
6.750 - 25.000▲ 475 bps
6.750 - 25.000▲ 475 bps
6.750 - 25.000▲ 475 bps
2.000 - 25.000
2.000 - 25.000
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
3.000 - 17.900
3.990 - 11.250▲ 99 bps
3.990 - 11.250▲ 99 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 - 18.000
6.000 - 6.750▲ 300 bps
3.000 - 6.750
3.000 - 7.000
3.000 - 18.000
6.500 - 7.250▲ 350 bps
3.000 - 18.000
Heloc
3.490 - 7.750
3.490 - 7.750
3.490 - 12.000
3.490 - 8.250
3.490 - 8.250
3.490 - 8.250
3.490 - 8.250
CHEVRON FEDERAL CREDIT UNION
As of January 16, 2026, CHEVRON’s Home Equity loan rates remain steady, holding between 7.990% and 8.169% APR over the past month. This stability offers predictability for borrowers considering fixed-rate options. For homeowners seeking flexible borrowing, these home equity products provide consistent terms without recent fluctuations. Home Equity Loans at these rates can be attractive for those prioritizing fixed payments and long-term planning. Meanwhile, borrowers valuing access to funds on demand should review CHEVRON’s HELOC offerings directly. For more details, visit https://www.chevronfcu.org/rates/heloc.
CPM FEDERAL CREDIT UNION
As of January 16, 2026, CPM’s HELOC rates remain stable, holding steady between 1.990% and 6.990% APR over the past 30 days. This consistent pricing offers homeowners reliable access to flexible credit without unexpected rate shifts. For those seeking adaptable borrowing options, HELOCs provide a convenient way to tap into home equity with variable rates tailored to changing financial needs. Maintaining unchanged rates signals a predictable lending environment for CPM members considering home equity financing. For more details, visit https://www.cpmfed.com/rates/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of January 16, 2026, UNIVERSITY OF KENTUCKY’s HELOC rates remain steady at a range of 1.990% to 18.000% APR, showing no change over the past 30 days. The fixed-rate Home Equity Loan holds firm at 7.740% APR, maintaining stability throughout the month. For borrowers seeking flexible access to funds, the HELOC’s variable rate range offers adaptable options, while the fixed-rate Home Equity Loan provides predictability for long-term planning. These consistent rates provide reliable borrowing opportunities in today’s market. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
COMMUNITY FINANCIAL CREDIT UNION
As of January 16, 2026, COMMUNITY FINANCIAL’s HELOC rates have significantly decreased, now ranging from 2.000% to 25.000% APR, down from 6.750% a month ago. This sharp reduction makes the HELOC an attractive option for homeowners seeking flexible, revolving credit with competitive pricing. Meanwhile, the fixed-rate Home Equity Loan stands at 7.240%, providing a stable long-term borrowing solution. For those valuing predictable payments, this fixed rate remains a solid choice in today’s market. For more details, visit http://www.cfcu.org/loans/home-equity.
DIAMOND CREDIT UNION
As of January 16, 2026, DIAMOND’s HELOC rates remain steady between 2.990% and 6.500%, unchanged over the past 15 days and slightly improved from 6.750% thirty days ago. This stable range offers a flexible borrowing option for homeowners seeking access to funds without locking into fixed payments. HELOCs may appeal to those needing variable-rate solutions with competitive pricing. For borrowers prioritizing rate consistency, monitoring any future shifts is advisable. For more details, visit https://diamondcu.org/home/home-equity-loans/.
HORIZON CREDIT UNION
As of January 16, 2026, HORIZON's HELOC rates remain steady, holding at 2.990% to 18.000% APR over the past 30 days. This stability offers homeowners consistent access to flexible credit with predictable pricing. For borrowers seeking adaptable funds for home improvements or unexpected expenses, the HELOC is an attractive option due to its variable rate structure and ongoing availability. Monitoring these rates can help you time your borrowing effectively. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
WESCOM CENTRAL CREDIT UNION
As of January 16, 2026, WESCOM CENTRAL’s HELOC rates remain stable, with current APRs ranging from 3.000% to 17.900%, unchanged from a week ago. Compared to 15 and 30 days prior, the lower end of the range improved from 3.990%, reflecting increased competitiveness for borrowers seeking flexible credit access. Homeowners valuing adjustable borrowing options may find these HELOC rates attractive for managing ongoing expenses or home projects. For a clear understanding of available terms and to explore your options, visit https://www.wescom.org/home-loans/home-equity.
ROYAL CREDIT UNION
As of January 16, 2026, ROYAL’s HELOC rates remain steady at 3.000% to 18.000% APR, consistent with last week’s pricing. Notably, this range has narrowed compared to mid-December when rates started higher, reflecting improved borrowing costs for flexible credit access. Homeowners seeking variable-rate options may find these HELOCs attractive for their adaptability and competitive entry rates. Monitoring ongoing rate stability can help members decide when to tap into home equity for renovations or debt consolidation. 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 16, 2026, EDUCATIONAL SYSTEMS’ HELOC rates remain steady at 3.490% to 7.750% APR, consistent with last week and showing a significant narrowing from the wider 3.490% to 12.000% range seen 15 days ago. This tightening suggests improved rate stability for borrowers seeking flexible credit access. Homeowners valuing adaptable borrowing will find the current HELOC range attractive, especially given the stable low-end rate of 3.490%. Monitoring these rates can help members optimize borrowing costs while maintaining liquidity options.
For more details, visit https://www.esfcu.org/rates/loans-and-credit-card-rates.
COAST CENTRAL CREDIT UNION
As of January 16, 2026, 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 stability following a recent decline highlights an attractive fixed-rate option for borrowers seeking predictable monthly payments over the loan term. Home equity loans offer a reliable financing solution for those prioritizing fixed rates, while HELOC options may better suit homeowners needing flexible borrowing access. For more details, visit https://www.coastccu.org/personal/home-equity-loans-and-lines-of-credit/.
LendMesh
HELOCs can offer flexibility when life is unpredictable. At LendMesh, we help you compare lines of credit that let you borrow as needed—with rates and terms you can actually understand. Explore your options now at https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re considering tapping into your home equity now, start by comparing both HELOC and fixed-rate loan options to match your financial needs and comfort with variable rates. HELOCs offer flexibility and often lower initial rates, great for ongoing projects or fluctuating expenses, but remember to factor in potential rate changes down the line. Fixed-rate loans provide stability and clear budgeting, perfect if you prefer knowing exactly what your payments will be every month. Before applying, review your credit union’s recent rate trends and any fees involved; even small differences can add up over time. And if you’re not in urgent need of funds, keeping an eye on rate movements over the next few weeks could save you money. Ultimately, partnering with your credit union advisor can help ensure you choose the right product that aligns with your goals while maximizing your home's value.