Introduction
As of January 23, 2026, homeowners looking to unlock the value in their homes have some compelling options to consider. Whether you're planning a home renovation, funding education, or consolidating debt, accessing your home equity can be a smart financial move. Today’s standout offer is from ALLEGACY Credit Union, boasting an exceptionally low HELOC rate starting at just 0.500%, making it an attractive choice for borrowers seeking flexible access to funds with variable rates. Meanwhile, fixed-rate home equity loans remain steady with Heritage Credit Union offering rates from 6.875%, ideal for those preferring predictable monthly payments. If you’re seeking moderate HELOC rates with solid terms, CPM and University of Kentucky credit unions provide competitive options beginning around 1.990%. For borrowers who value both stability and flexibility, reviewing these current rates can help tailor your borrowing strategy to your unique needs.
Home Equity Loans
Credit Union
Product
2026-01-23
(Current Day)
(Current Day)
2026-01-16
(7 Days Ago)
(7 Days Ago)
2026-01-08
(15 Days Ago)
(15 Days Ago)
2025-12-24
(30 Days Ago)
(30 Days Ago)
2025-12-09
(45 Days Ago)
(45 Days Ago)
2025-11-24
(60 Days Ago)
(60 Days Ago)
2025-10-25
(90 Days Ago)
(90 Days Ago)
2025-07-27
(180 Days Ago)
(180 Days Ago)
Home Equity
6.875 - 10.500
6.750 - 10.500▼ 12.5 bps
6.875 - 10.500
6.875 - 10.500
6.875 - 10.500
6.875 - 10.500
6.750 - 10.500▼ 12.5 bps
Heloc
0.500 - 18.000
4.000 - 18.000▲ 350 bps
4.000 - 18.000▲ 350 bps
4.000 - 18.000▲ 350 bps
4.000 - 18.000▲ 350 bps
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
2.000 - 25.000
6.750 - 25.000▲ 475 bps
6.750 - 25.000▲ 475 bps
6.750 - 25.000▲ 475 bps
2.000 - 25.000
7.000▲ 500 bps
Heloc
2.990 - 6.500
2.990 - 6.500
2.990 - 6.500
2.990 - 6.750
2.990 - 6.750
2.990
2.990 - 7.000
Home Equity
7.000
7.000
7.000
7.000
6.250▼ 75 bps
6.250 - 7.000▼ 75 bps
6.250▼ 75 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
HERITAGE FEDERAL CREDIT UNION
HERITAGE’s Home Equity Loan rates remain steady, with current ranges between 6.875% and 10.500% APR, consistent over the past 30 days. This stability offers predictability for borrowers seeking fixed-rate financing options. Homeowners looking for long-term certainty may find these fixed rates attractive, while those needing flexible credit access might consider a HELOC if available. Monitoring rate trends can help identify optimal borrowing times. For more details, visit https://www.heritagefederal.org/personal-banking/loans-and-credit-cards/loan-rates/home-equity-and-improvement-rates.
ALLEGACY FEDERAL CREDIT UNION
As of January 23, 2026, ALLEGACY’s HELOC rates range from 0.500% to 18.000% APR, showing a significant decline from 7 and 30 days ago when rates started at 4.000%. This drop indicates more competitive borrowing costs for flexible credit lines. Homeowners seeking adaptable financing options may find these HELOCs attractive for managing home improvements or consolidating debt. Staying informed about current rate shifts can help members optimize their borrowing strategy with ALLEGACY. For more details, visit https://www.allegacy.org/home-equity-loans/.
CPM FEDERAL CREDIT UNION
As of January 23, 2026, CPM’s HELOC rates remain steady, holding between 1.990% and 6.990% APR over the past 30 days. This consistency provides reliable options for homeowners seeking flexible borrowing with adjustable rates. While fixed-rate home equity loans are not listed this period, the stable HELOC range offers attractive access to funds without rate fluctuations. Homeowners prioritizing flexible access may find these HELOC terms well-suited to manage expenses or renovations efficiently. For more details, visit https://www.cpmfed.com/rates/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of January 23, 2026, UNIVERSITY OF KENTUCKY maintains steady rates with no changes in the past 30 days. The HELOC range remains between 1.990% and 18.000% APR, offering flexible borrowing options ideal for homeowners seeking variable-rate access to equity. Meanwhile, the fixed-rate Home Equity Loan holds firm at 7.740%, providing a predictable payment structure for longer-term financing needs. Borrowers prioritizing rate stability may find the fixed Home Equity Loan attractive, while those needing adaptable credit lines can consider the HELOC’s broad APR range. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
COMMUNITY FINANCIAL CREDIT UNION
As of January 23, 2026, COMMUNITY FINANCIAL’s HELOC rates remain highly competitive, holding steady between 2.000% and 25.000% APR over the past 30 days. This range offers flexible borrowing options for homeowners seeking short-term access to equity. Meanwhile, the fixed-rate Home Equity Loan maintains a consistent 7.240% APR, providing a stable long-term financing solution without recent fluctuations. Homeowners valuing predictable payments may find this option particularly attractive. For those needing adaptable credit lines, the HELOC’s stable low-end rates present an accessible choice. For more details, visit http://www.cfcu.org/loans/home-equity.
POINT BREEZE CREDIT UNION
As of January 23, 2026, POINT BREEZE offers a highly competitive HELOC rate at 2.490%, providing flexible borrowing for homeowners needing ongoing access to funds. Their Home Equity Loan rates range from 5.240% to 6.500%, catering to those seeking fixed-rate stability over various terms. While no prior data is available for comparison, the current rates represent accessible options in today’s market. Homeowners prioritizing predictable payments may find the fixed-rate loans appealing, whereas borrowers valuing flexibility should consider the low-rate HELOC option. For more details, visit https://www.pbcu.com/resources/popular-requests/rates/loan-rates.
DIAMOND CREDIT UNION
As of January 23, 2026, DIAMOND’s HELOC rates remain steady, holding at a competitive range of 2.990% to 6.500% APR over the past 30 days, down slightly from 6.750% APR one month ago. This stability offers reliable borrowing costs for homeowners seeking flexible credit access without rate volatility. HELOCs provide adaptable financing options ideal for ongoing home improvements or managing cash flow needs. For members prioritizing variable rates and convenience, DIAMOND’s current HELOC terms present an attractive opportunity. For more details, visit https://diamondcu.org/home/home-equity-loans/.
CREDIT UNION 1 CREDIT UNION
As of January 23, 2026, CREDIT UNION 1’s Home Equity Loan rates remain steady at 7.000%, consistent over the past month, offering a reliable fixed-rate option for borrowers seeking long-term stability. The new HELOC range of 2.990% to 6.750% introduces flexible borrowing with competitive variable rates, ideal for homeowners needing adaptable access to equity. With no prior data on HELOCs, this fresh offering could be attractive for those valuing rate variability and convenience. For members prioritizing predictability, the fixed 7.000% Home Equity Loan remains a strong choice. For more details, visit https://www.creditunion1.org/borrow/home-equity-loan/.
HORIZON CREDIT UNION
As of January 23, 2026, HORIZON’s HELOC rates remain steady at a range of 2.990% to 18.000% APR, unchanged over the past 30 days. This consistency provides predictability for members seeking flexible borrowing options. HELOCs offer homeowners versatile access to funds with competitive starting rates, making them suitable for ongoing or unexpected expenses. While no recent rate shifts occurred, this stable environment benefits borrowers prioritizing transparency and manageable costs. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
SUFFOLK FEDERAL CREDIT UNION
As of January 23, 2026, SUFFOLK Credit Union offers a broad Home Equity Loan range from 3.000% to 18.000%, providing options for various credit profiles and loan terms. The HELOC rates currently span 5.740% to 8.740%, catering to borrowers seeking flexible credit access with variable pricing. While no prior data is available for comparison, these ranges highlight competitive starting points for both fixed and variable home equity products. Homeowners requiring predictable payments may find the lower-end fixed-rate loans appealing, whereas HELOCs serve those needing revolving credit options. For more details, visit https://www.suffolkcu.org/home-loans/home-loans/home-equity-loc.
LendMesh
Your home is more than a place—it’s a financial asset. With LendMesh, you can use that equity to take care of what matters most. From medical expenses to family support, find the right loan at https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
If you’re considering tapping into your home equity now, start by comparing the lowest available rates and program types that best fit your financial goals, whether that’s a variable-rate HELOC for ongoing access or a fixed-rate loan for one-time funding. Keep in mind that while ALLEGACY’s ultra-low HELOC rate may be tempting, it's important to understand the full terms and potential rate adjustments over time. For those who prefer consistency, locking in a fixed rate through Heritage or University of Kentucky could offer peace of mind during uncertain markets. Before committing, check your credit union’s recent rate trends and inquire about any fees or special offers to maximize your savings. And if you’re not in immediate need of funds, monitoring rates over the next few weeks might uncover even better deals as lenders adjust. Remember, the smartest decision balances today’s offers with your long-term financial health, so explore your options thoughtfully and confidently.