Introduction
If you’re considering tapping into your home equity today, start by comparing both HELOCs and fixed-rate loans to match your financial goals and comfort with rate changes. A HELOC like ALLEGACY’s low introductory rate can save money if you expect short-term borrowing or flexible access to funds. However, if budgeting predictability is key, especially for renovations or education expenses, a fixed-rate loan from POINT BREEZE or CREDIT UNION 1 might be a wiser choice. Keep an eye on rate trends over the next few weeks; while most credit unions have held steady, small shifts can impact your overall cost. Lastly, don’t overlook your credit score and loan-to-value ratio, they play a big role in securing these best rates. Consult with your credit union early to explore prequalification options and lock in the most favorable terms before rates fluctuate. Taking these steps ensures your home equity works for you as a powerful financial tool on your terms.
Home Equity Loans
Credit Union
Product
2026-01-30
(Current Day)
(Current Day)
2026-01-23
(7 Days Ago)
(7 Days Ago)
2026-01-15
(15 Days Ago)
(15 Days Ago)
2025-12-31
(30 Days Ago)
(30 Days Ago)
2025-12-16
(45 Days Ago)
(45 Days Ago)
2025-12-01
(60 Days Ago)
(60 Days Ago)
2025-11-01
(90 Days Ago)
(90 Days Ago)
2025-08-03
(180 Days Ago)
(180 Days Ago)
Heloc
0.500 - 18.000
4.000 - 18.000▲ 350 bps
4.000 - 18.000▲ 350 bps
4.000 - 18.000▲ 350 bps
4.990 - 18.000▲ 449 bps
Heloc
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
1.990 - 18.000
1.990
1.990 - 18.000
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
6.750 - 25.000▲ 475 bps
7.000▲ 500 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
ALLEGACY FEDERAL CREDIT UNION
As of January 30, 2026, ALLEGACY’s HELOC rates range from 0.500% to 18.000% APR, showing a significant improvement compared to 15 days ago when rates started at 4.000%. This drop reflects enhanced affordability for borrowers seeking flexible credit access. While no fixed-rate home equity loans are currently listed, the wide HELOC rate range provides options for varying credit profiles and borrowing needs. Homeowners valuing adaptable financing may find these HELOC terms particularly suitable for managing expenses or home projects. For more details, visit https://www.allegacy.org/home-equity-loans/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of January 30, 2026, UNIVERSITY OF KENTUCKY’s HELOC rates remain steady between 1.990% and 18.000% APR, showing no change over the past 30 days. The fixed-rate Home Equity Loan holds firm at 7.740%, with no fluctuations during this period. For borrowers seeking flexible borrowing options, the HELOC’s broad rate range provides adaptable access to funds. Meanwhile, the stable fixed-rate Home Equity Loan offers predictability for long-term financing needs. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
COMMUNITY FINANCIAL CREDIT UNION
As of January 30, 2026, COMMUNITY FINANCIAL’s HELOC rates have improved significantly, dropping from 6.750% to a range of 2.000% - 25.000% over the past 30 days, offering flexible borrowing options with competitive pricing. The fixed-rate Home Equity Loan remains steady at 7.240%, providing a stable choice for homeowners seeking predictable payments. For those needing adaptable access to funds, the HELOC’s broad rate range is particularly attractive. Conversely, the fixed loan suits borrowers prioritizing long-term certainty in their financing costs. For more details, visit http://www.cfcu.org/loans/home-equity.
POINT BREEZE CREDIT UNION
As of January 30, 2026, POINT BREEZE maintains steady rates with no changes over the past week. The HELOC remains competitively priced at 2.490%, offering flexible borrowing for homeowners seeking variable access to funds. Meanwhile, the Home Equity Loan features a fixed-rate range from 5.240% to 6.500%, suitable for those preferring predictable payments over the loan term. With rates unchanged recently, now is an opportune time to consider locking in a fixed-rate home equity loan or utilizing a HELOC for adaptable financing needs. For more details, visit https://www.pbcu.com/resources/popular-requests/rates/loan-rates.
CREDIT UNION 1 CREDIT UNION
As of January 30, 2026, CREDIT UNION 1’s HELOC rates remain steady between 2.990% and 6.750%, consistent with last week’s levels. This range offers flexible borrowing options for homeowners seeking variable-rate access to equity. Meanwhile, the fixed-rate Home Equity Loan holds firm at 7.000%, providing stability for members preferring predictable payments. With no rate fluctuations over the past month, members can confidently evaluate these products based on their financial needs. HELOCs may appeal to those needing adaptable credit lines, while fixed-rate loans suit borrowers prioritizing long-term certainty. For more details, visit https://www.creditunion1.org/borrow/home-equity-loan/.
HORIZON CREDIT UNION
As of January 30, 2026, HORIZON's HELOC rates remain steady, holding at a range of 2.990% to 18.000% APR over the past 30 days. This consistent pricing provides predictability for members considering flexible borrowing options. HELOCs may appeal to homeowners needing adaptable access to funds with variable rates tied to market conditions. While fixed-rate home equity loans are not currently listed, members seeking long-term rate stability should inquire directly about available options. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
LendMesh
Looking for stability in a changing market? Fixed-rate home equity loans from LendMesh’s partners can give you peace of mind—and predictable payments. See your options now at https://www.lendmesh.com/loans/home_equity_loans .