Introduction
As of February 13, 2026, homeowners looking to unlock the value in their homes have some encouraging options. Whether you’re planning renovations, funding education, or consolidating debt, today’s lowest rates come from CPM and University of Kentucky offering HELOCs starting at an incredibly low 1.99%. This variable-rate option could be a smart fit for borrowers who want flexible access to funds and expect to repay quickly or take advantage of potential rate drops. Meanwhile, those who prefer the predictability of fixed payments can explore home equity loans like Diamond Credit Union’s competitive range as low as 5.36%. Notably, rates have remained stable over the past week for most lenders, giving you confidence that today’s numbers are solid benchmarks. If you’re weighing your options between a home equity line of credit or a fixed-rate loan, knowing where the best deals lie can help you make an informed decision tailored to your financial goals.
Home Equity Loans
Credit Union
Product
2026-02-13
(Current Day)
(Current Day)
2026-02-06
(7 Days Ago)
(7 Days Ago)
2026-01-29
(15 Days Ago)
(15 Days Ago)
2026-01-14
(30 Days Ago)
(30 Days Ago)
2025-12-30
(45 Days Ago)
(45 Days Ago)
2025-12-15
(60 Days Ago)
(60 Days Ago)
2025-11-15
(90 Days Ago)
(90 Days Ago)
Home Equity
6.750 - 10.500
6.875 - 10.500▲ 12.5 bps
6.750 - 10.500
6.750 - 10.500
6.875 - 10.500▲ 12.5 bps
6.875 - 10.500▲ 12.5 bps
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 - 18.000
1.990 - 18.000
1.990 - 18.000
Heloc
2.000 - 25.000
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
Heloc
2.990 - 6.500
2.990 - 6.500
2.990 - 6.500
2.990 - 6.750
2.990 - 6.750
2.990 - 6.750
Home Equity
5.360 - 6.590
5.690 - 6.590▲ 33 bps
5.340 - 6.990▼ 2 bps
5.470 - 6.990▲ 11 bps
5.450 - 6.990▲ 9 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
3.490 - 7.750
3.490 - 7.750
3.490 - 12.000
3.490 - 8.250
3.490 - 8.250
HERITAGE FEDERAL CREDIT UNION
As of February 13, 2026, HERITAGE’s Home Equity Loan rates remain steady, ranging from 6.750% to 10.500% APR, consistent with the past 30 days and slightly improved from a week ago when the low end was 6.875%. This stability offers borrowers predictable costs for fixed-rate financing. Homeowners seeking long-term certainty may find the lower fixed rate attractive for substantial home improvements or debt consolidation. For those needing flexible borrowing options, HERITAGE also provides competitive HELOC solutions not detailed here. For more details, visit https://www.heritagefederal.org/personal-banking/loans-and-credit-cards/loan-rates/home-equity-and-improvement-rates.
CPM FEDERAL CREDIT UNION
As of February 13, 2026, CPM's HELOC rates remain steady at 1.990% to 6.990% APR, unchanged over the past 30 days. This consistent rate range offers homeowners flexible borrowing options without recent increases. For those seeking adaptable access to funds with variable interest, HELOCs provide a practical solution. While no shifts were observed this period, CPM’s competitive pricing supports informed decisions for home equity financing needs. For more details, visit https://www.cpmfed.com/rates/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of February 13, 2026, UNIVERSITY OF KENTUCKY maintains steady home equity rates with no changes in the past 30 days. The HELOC range remains at 1.990% to 18.000% APR, offering flexible borrowing options for homeowners seeking variable-rate access to funds. Meanwhile, the fixed Home Equity Loan rate holds firm at 7.740%, providing a predictable repayment schedule for longer-term financing needs. Homeowners valuing stability may find the fixed-rate loan attractive, while those needing adaptable credit lines should consider the HELOC. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity.
COMMUNITY FINANCIAL CREDIT UNION
As of February 13, 2026, COMMUNITY FINANCIAL's HELOC rates remain steady at a low range of 2.000% to 25.000%, unchanged over the past 15 days and notably lower than the 6.750% starting point seen 30 days ago. This makes their HELOC an attractive option for homeowners seeking flexible borrowing with competitive variable rates. Meanwhile, the fixed-rate Home Equity Loan holds firm at 7.240%, offering consistent long-term financing without recent fluctuations. For borrowers prioritizing stability, this fixed-rate product provides clear budgeting advantages. For more details, visit http://www.cfcu.org/loans/home-equity,
DIAMOND CREDIT UNION
As of February 13, 2026, DIAMOND’s HELOC rates remain steady between 2.990% and 6.500%, unchanged over the past 30 days, offering consistent access to flexible credit. Meanwhile, Home Equity Loan rates show slight improvement with current APRs ranging from 5.360% to 6.590%, down modestly from 5.690% fifteen days ago and stable compared to 30 days prior. The fixed-rate Home Equity Loan provides a predictable repayment option for homeowners seeking long-term stability. For those needing adaptable borrowing options, the HELOC continues to be an attractive choice due to its stable rate environment. For more details, visit https://diamondcu.org/home/home-equity-loans/.
HORIZON CREDIT UNION
As of February 13, 2026, HORIZON’s HELOC rates remain steady with a range of 2.990% to 18.000% APR, unchanged over the past 30 days. This consistent pricing offers predictable borrowing costs for members seeking flexible home equity access. HELOCs are ideal for homeowners needing revolving credit with competitive starting rates. Although no rate shifts occurred recently, maintaining stable terms can benefit those planning longer-term financing strategies. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
SUFFOLK FEDERAL CREDIT UNION
As of February 13, 2026, SUFFOLK’s HELOC rates have decreased, now ranging from 5.440% to 8.740% APR, down from a high of 18.000% seven and fifteen days ago. This shift offers more affordable variable-rate borrowing options. Meanwhile, the Home Equity Loan "Other" product shows a wide rate range between 3.000% and 18.000% APR, providing flexibility for borrowers seeking fixed or customized terms. For homeowners prioritizing flexible access to funds, the improved HELOC rates may be particularly advantageous. For more details, visit https://www.suffolkcu.org/home-loans/home-loans/home-equity-loc.
EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION
As of February 13, 2026, EDUCATIONAL SYSTEMS' HELOC rates remain stable at 3.490% to 7.750% APR, consistent with rates from 15 days ago. This steady range offers homeowners flexible borrowing options without recent fluctuations. A HELOC is well-suited for those seeking adaptable access to home equity funds rather than fixed monthly payments. While no new discounts or rate changes occurred this month, the current competitive spread supports a variety of financial needs. For detailed terms and current offers, visit https://www.esfcu.org/rates/loans-and-credit-card-rates.
LendMesh
Your house has value—and LendMesh helps you put that value to work. From low-interest home equity loans to HELOCs, we help you explore offers side by side. Make a confident move today: https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
Before diving into tapping your home equity, consider how long you plan to carry the loan and your comfort with fluctuating interest rates. If you need ongoing access to funds or anticipate variable expenses, like ongoing renovations, a HELOC with rates starting near 1.99% might provide valuable flexibility. However, if steady monthly payments and long-term budgeting are priorities, a fixed-rate home equity loan could offer peace of mind despite slightly higher rates. Remember to shop around among credit unions like CPM, University of Kentucky, and Diamond for the best terms and fees. Don’t rush, getting pre-approved and reviewing your budget will ensure your home equity financing supports your goals without surprises. Lastly, keep an eye on market trends; while rates have been stable recently, even small shifts can impact your borrowing cost over time. With thoughtful planning today, tapping into your home’s equity can be a powerful step toward financial security and achieving what matters most.