Introduction
If you’re contemplating tapping into your home equity, start by assessing your financial goals and risk tolerance, a low introductory HELOC rate like ALLEGACY’s can offer flexibility but may come with variable adjustments later. For projects needing a clear budget such as major renovations or education expenses, a fixed-rate loan from credit unions like DIAMOND or CREDIT UNION 1 could provide peace of mind with stable payments. Remember to compare not only interest rates but also fees and repayment terms before committing. If market conditions or personal finances feel uncertain, it might be wise to wait for more favorable trends or build additional savings first. Ultimately, leveraging home equity is a powerful tool when used thoughtfully, consult with your credit union to explore tailored options and ensure your borrowing fits comfortably within your long-term financial plan.
Home Equity Loans
Credit Union
Product
2026-02-27
(Current Day)
(Current Day)
2026-02-20
(7 Days Ago)
(7 Days Ago)
2026-02-12
(15 Days Ago)
(15 Days Ago)
2026-01-28
(30 Days Ago)
(30 Days Ago)
2026-01-13
(45 Days Ago)
(45 Days Ago)
2025-12-29
(60 Days Ago)
(60 Days Ago)
2025-11-29
(90 Days Ago)
(90 Days Ago)
Home Equity
6.750 - 8.750
6.625 - 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
0.500 - 18.000
0.500 - 18.000
4.000 - 18.000▲ 350 bps
0.500 - 18.000
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
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
Home Equity
5.210 - 6.590
5.360 - 6.590▲ 15 bps
5.690 - 6.590▲ 48 bps
5.340 - 6.990▲ 13 bps
5.470 - 6.990▲ 26 bps
5.480 - 6.990▲ 27 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
As of February 27, 2026, HERITAGE’s Home Equity Loan rates range from 6.750% to 8.750%, showing a slight narrowing compared to 7 days ago when the top rate reached 10.500%. This tightening suggests more stable borrowing costs for fixed-rate home equity loans. The upper tier rate has improved notably from 15 days ago, providing a more attractive fixed-rate option for homeowners seeking predictable payments over time. Homeowners looking for flexibility might consider HELOC alternatives elsewhere, as this update covers only fixed home equity loan products. 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 27, 2026, ALLEGACY’s HELOC rates remain stable, holding steady at a range of 0.500% to 18.000% APR over the past 30 days, with no significant fluctuations. This consistent rate band offers flexibility for homeowners seeking access to funds with variable interest. The wide APR range accommodates diverse credit profiles and borrowing needs. For those valuing adaptable financing options, HELOCs at ALLEGACY provide reliable terms without recent volatility. For more details, visit https://www.allegacy.org/home-equity-loans/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of February 27, 2026, UNIVERSITY OF KENTUCKY’s HELOC rates remain steady at a range of 1.990% to 18.000%, unchanged over the past 30 days. This consistency provides predictable borrowing costs for homeowners seeking flexible credit access. While no shifts occurred recently, the broad rate spectrum accommodates varying credit profiles and borrowing needs. HELOCs are well-suited for homeowners who want revolving credit with variable rates rather than fixed-term loans. For borrowers prioritizing rate stability or longer terms, exploring fixed-rate options elsewhere may be beneficial. For more details, visit https://www.ukfcu.org/borrow/rates#home-equity,
COMMUNITY FINANCIAL CREDIT UNION
As of February 27, 2026, COMMUNITY FINANCIAL’s HELOC rates remain steady between 2.000% and 25.000%, showing no change over the past 30 days. This consistency provides reliable flexibility for homeowners seeking revolving credit with variable access. Meanwhile, the fixed-rate Home Equity Loan holds firm at 7.240%, offering a stable long-term borrowing option without rate fluctuations. For borrowers prioritizing predictable payments, the fixed-rate loan stands out as an attractive solution. HELOCs suit those needing flexible funds, while the fixed loan benefits those wanting payment certainty. For more details, visit http://www.cfcu.org/loans/home-equity.
DIAMOND CREDIT UNION
As of February 27, 2026, DIAMOND’s HELOC rates remain steady at 2.990% to 6.500% APR, unchanged over the past 15 days, offering consistent flexibility for homeowners seeking revolving credit. Meanwhile, Home Equity Loan rates have improved, dropping from a high of 5.690% to a current range of 5.210% to 6.590% APR over the last month, making fixed-rate options more attractive for borrowers prioritizing predictable payments. Homeowners valuing flexible access to funds may find the stable HELOC appealing, while those seeking long-term stability should consider the improving fixed-rate home equity loans. For more details, visit https://diamondcu.org/home/home-equity-loans/.
CREDIT UNION 1 CREDIT UNION
As of February 27, 2026, CREDIT UNION 1’s HELOC rates remain steady between 2.990% and 6.750%, consistent over the past 30 days. This stability offers homeowners flexible borrowing options without rate volatility. The fixed-rate Home Equity Loan stands firm at 7.000%, providing a predictable payment plan for long-term financing needs. Borrowers seeking flexible access to funds may find the HELOC attractive, while those prioritizing consistent payments should consider the fixed-rate loan. For more details, visit https://www.creditunion1.org/borrow/home-equity-loan/.
HORIZON CREDIT UNION
As of February 27, 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 offers predictable borrowing costs for members seeking flexible access to home equity funds. HELOCs are well-suited for homeowners who prefer variable rates with the option to borrow as needed. While no fixed-rate home equity loans are listed currently, the stable HELOC pricing provides an accessible lending solution for varying financial needs. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
SUFFOLK FEDERAL CREDIT UNION
As of February 27, 2026, SUFFOLK’s Home Equity Loan (HEL) rates remain steady, holding a broad range from 3.000% to 18.000% APR over the past 30 days. Meanwhile, HELOC rates are stable on the low end at 5.440%, with the upper range slightly improving from 8.740% down from 8.740% last month. This consistency benefits borrowers seeking predictable fixed rates or flexible borrowing options. Homeowners interested in longer-term fixed-rate loans may find the HEL's wide rate spectrum suitable for varied credit profiles, while HELOCs provide adaptable access to funds with competitive variable pricing. For more details, visit https://www.suffolkcu.org/home-loans/home-loans/home-equity-loc.
LendMesh
Let your home work for you—not the other way around. LendMesh helps you understand what your equity is worth and how to use it wisely. Begin your journey at https://www.lendmesh.com/loans/home_equity_loans .