Introduction
For homeowners looking to unlock the value in their property, today’s home equity rates offer a range of opportunities depending on your financial goals. As of February 20, 2026, ALLEGACY Credit Union stands out with an exceptionally low HELOC rate starting at just 0.5%, making it a compelling choice for those seeking flexible access to funds for renovations, education expenses, or debt consolidation. Fixed-rate loan options like Heritage’s home equity loan remain steady between 6.625% and 10.5%, offering predictable payments for borrowers who prefer stability over variable rates. Whether you want to improve your home now or consolidate high-interest debt, understanding these current rates can help you make a smart borrowing decision tailored to your needs.
Home Equity Loans
Credit Union
Product
2026-02-20
(Current Day)
(Current Day)
2026-02-13
(7 Days Ago)
(7 Days Ago)
2026-02-05
(15 Days Ago)
(15 Days Ago)
2026-01-21
(30 Days Ago)
(30 Days Ago)
2026-01-06
(45 Days Ago)
(45 Days Ago)
2025-12-22
(60 Days Ago)
(60 Days Ago)
2025-11-22
(90 Days Ago)
(90 Days Ago)
2025-08-24
(180 Days Ago)
(180 Days Ago)
Home Equity
6.625 - 10.500
6.750 - 10.500▲ 12.5 bps
6.875 - 10.500▲ 25 bps
6.875 - 10.500▲ 25 bps
6.875 - 10.500▲ 25 bps
6.875 - 10.500▲ 25 bps
6.875 - 10.500▲ 25 bps
Heloc
0.500 - 18.000
4.000 - 18.000▲ 350 bps
-0.250 - 18.000▼ 25 bps
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 - 18.000
1.990 - 18.000
1.990 - 18.000
Heloc
2.000 - 25.000
2.000 - 25.000
2.000 - 25.000
2.000 - 25.000
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 - 6.500
2.990 - 6.500
2.990 - 6.750
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
As of February 20, 2026, HERITAGE’s Home Equity Loan rates have eased slightly at the lower end to 6.625%, down from 6.875% fifteen and thirty days ago, while the upper range remains steady at 10.500%. This marginal decline in starting rates enhances affordability for borrowers seeking fixed-rate home equity financing. Home equity loans provide predictable monthly payments, making them attractive for homeowners prioritizing stable long-term budgeting. For those requiring flexible access to funds, HELOC options remain available but are not reflected in today’s data. 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 February 20, 2026, ALLEGACY’s HELOC rates show a notable improvement, with the lower end dropping to 0.500% from 4.000% just 15 days ago, reflecting increased affordability for borrowers seeking flexible credit access. Over 30 days, the minimum rate decreased by 0.750 percentage points, enhancing appeal for homeowners needing adaptable financing solutions. The upper APR remains steady at 18.000%, maintaining consistent maximum costs. For those valuing variable-rate flexibility, this HELOC adjustment presents an attractive opportunity to manage home equity efficiently. For more details, visit https://www.allegacy.org/home-equity-loans/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of February 20, 2026, UNIVERSITY OF KENTUCKY’s HELOC rates remain steady, holding a range from 1.990% to 18.000% APR over the past 30 days, offering flexible borrowing options for homeowners needing variable access to funds. The fixed-rate Home Equity Loan stays constant at 7.740%, providing a predictable repayment schedule ideal for borrowers seeking long-term stability. With no recent rate changes, members can confidently compare these options based on their financial needs and preferences. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity,
COMMUNITY FINANCIAL CREDIT UNION
As of February 20, 2026, COMMUNITY FINANCIAL's HELOC rates remain steady at a range of 2.000% to 25.000%, showing no change over the past 30 days. Meanwhile, the fixed-rate Home Equity Loan holds firm at 7.240%, offering predictable monthly payments without rate fluctuations. For homeowners seeking flexible borrowing, the HELOC provides variable access to funds with competitive starting rates. Those preferring stability may find the Home Equity Loan’s fixed rate advantageous for long-term planning. For more details, visit http://www.cfcu.org/loans/home-equity.
DIAMOND CREDIT UNION
As of February 20, 2026, DIAMOND's HELOC rates remain steady between 2.990% and 6.500%, unchanged over the past 30 days. This consistency offers reliable terms for homeowners seeking flexible borrowing options with variable rates. Meanwhile, the Home Equity Loan rates hold firm from 5.360% to 6.590%, providing attractive fixed-rate options for borrowers prioritizing predictable payments. Homeowners looking for long-term stability may benefit from these fixed-rate loans, while those needing adaptable credit access should consider the stable HELOC offerings. For more details, visit https://diamondcu.org/home/home-equity-loans/.
CREDIT UNION 1 CREDIT UNION
As of February 20, 2026, CREDIT UNION 1’s HELOC rates remain steady between 2.990% and 6.750%, consistent over the past 30 days. This stability offers predictable terms for borrowers seeking flexible credit access. Meanwhile, the fixed-rate Home Equity Loan holds firm at 7.000%, providing a reliable option for homeowners preferring consistent monthly payments without rate fluctuations. For those needing adaptable borrowing options, the HELOC’s range supports variable needs, while the fixed Home Equity Loan suits long-term financial planning. For more details, visit https://www.creditunion1.org/borrow/home-equity-loan/.
HORIZON CREDIT UNION
As of February 20, 2026, HORIZON’s HELOC rates remain steady at 2.990% to 18.000% APR, unchanged over the past 30 days. This consistency offers predictability for members seeking flexible borrowing options through a Home Equity Line of Credit. HELOCs are ideal for homeowners needing revolving credit with variable rates, allowing access to funds as needed. While fixed-rate home equity loans are not currently listed, the stable HELOC rates provide a reliable solution for ongoing credit needs. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
LendMesh
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Conclusion
If you’re considering tapping into your home equity, now is a great time to compare both HELOCs and fixed-rate loans based on your personal financial situation. For those who value flexibility and potentially lower initial interest costs, exploring ALLEGACY’s HELOC could be advantageous, just be mindful of the variable nature of these rates. On the other hand, if budgeting certainty matters most, credit unions like Heritage and Community Financial offer competitive fixed-rate loans that won’t surprise you with fluctuating payments. Before committing, check for any recent changes in rates and ask about fees or terms that may affect your total cost. Taking these steps will ensure you leverage your home’s equity wisely and confidently toward your next big project or financial goal.