Introduction
As of March 6, 2026, homeowners looking to access their home equity have some compelling options to consider. Whether you’re planning a home renovation, funding education, or consolidating debt, tapping into your home's value can be a smart financial move. For those seeking the most affordable borrowing cost today, DUPACO COMMUNITY Credit Union offers an exceptionally low HELOC rate starting at just 1.99%, making it ideal for borrowers who want flexible access to funds with variable rates. Fixed-rate loan seekers might find POINT BREEZE’s home equity loans attractive with rates as low as 5.24%, providing predictable payments that fit a steady budget. While some credit unions maintain stable rates over the past month, others like BAY saw notable drops in HELOC rates this week from 5.74% down to as low as 2.99%, signaling potential savings if you act now. Homeowners ready to leverage their equity should weigh their borrowing style and timeline carefully, today’s market offers both excellent flexibility and fixed-rate security.
Home Equity Loans
Credit Union
Product
2026-03-06
(Current Day)
(Current Day)
2026-02-27
(7 Days Ago)
(7 Days Ago)
2026-02-19
(15 Days Ago)
(15 Days Ago)
2026-02-04
(30 Days Ago)
(30 Days Ago)
2026-01-20
(45 Days Ago)
(45 Days Ago)
2026-01-05
(60 Days Ago)
(60 Days Ago)
2025-12-06
(90 Days Ago)
(90 Days Ago)
2025-09-07
(180 Days Ago)
(180 Days Ago)
Home Equity
6.750 - 8.750
6.750 - 8.750
6.625 - 10.500▼ 12.5 bps
6.875 - 10.500▲ 12.5 bps
6.875 - 10.500▲ 12.5 bps
6.875 - 10.500▲ 12.5 bps
6.875 - 10.500▲ 12.5 bps
Heloc
1.990 - 21.000
6.250▲ 426 bps
6.250 - 21.000▲ 426 bps
6.250▲ 426 bps
6.250 - 21.000▲ 426 bps
6.500 - 21.000▲ 451 bps
7.000▲ 501 bps
Heloc
2.000 - 25.000
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
Heloc
2.990 - 6.500
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 - 8.500
5.740▲ 275 bps
5.740▲ 275 bps
5.740▲ 275 bps
5.740▲ 275 bps
5.990▲ 300 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
2.990 - 18.000
HERITAGE FEDERAL CREDIT UNION
HERITAGE’s Home Equity Loan rates remain stable at 6.750% to 8.750% APR, showing a slight narrowing from the wider range seen 15 and 30 days ago. The lower end of rates is attractive for borrowers seeking fixed payments over time. While no recent changes occurred, this consistency benefits homeowners planning long-term financing. For those needing flexible access to funds, HELOC options, though not listed here, typically complement these loans well. Consider fixed-rate home equity loans for predictable budgeting in today’s steady rate environment. For more details, visit https://www.heritagefederal.org/personal-banking/loans-and-credit-cards/loan-rates/home-equity-and-improvement-rates.
DUPACO COMMUNITY CREDIT UNION
As of March 6, 2026, DUPACO COMMUNITY’s HELOC rates show a wide range from 1.990% to 21.000% APR, reflecting varied borrower risk profiles and credit terms. Compared to 15 and 30 days ago, the lower end of the rate spectrum has improved significantly from 6.250%, indicating increased competitiveness for qualified applicants. Homeowners seeking flexible borrowing options may find these HELOCs attractive for managing cash flow or home improvements due to their variable nature and access convenience. For more details, visit https://www.dupaco.com/personal/loans/home-equity-line-of-credit/.
COMMUNITY FINANCIAL CREDIT UNION
As of March 6, 2026, COMMUNITY FINANCIAL’s HELOC rates remain steady between 2.000% and 25.000%, unchanged over the past 30 days, providing consistent flexibility for borrowers seeking revolving credit. The fixed-rate Home Equity Loan holds firm at 7.240%, offering a reliable option for members preferring predictable monthly payments. Homeowners valuing adaptable borrowing may find the HELOC appealing, while those prioritizing stable costs should consider the fixed-rate loan. For tailored lending solutions that fit your needs, visit http://www.cfcu.org/loans/home-equity.
POINT BREEZE CREDIT UNION
As of March 6, 2026, POINT BREEZE's HELOC rate remains steady at 2.490%, consistent over the past 30 days, offering a competitive option for homeowners seeking flexible borrowing. The Home Equity Loan rates range from 5.240% to 6.500%, unchanged in the last month, providing stable fixed-rate terms suitable for borrowers preferring predictable payments. For those valuing access to revolving credit, the HELOC at 2.490% is an attractive choice; meanwhile, fixed-rate home equity loans deliver long-term certainty. For more details, visit https://www.pbcu.com/resources/popular-requests/rates/loan-rates,
DIAMOND CREDIT UNION
As of March 6, 2026, DIAMOND’s HELOC rates remain steady between 2.990% and 6.500%, unchanged over the past 30 days, offering consistent flexibility for borrowers seeking variable-rate access. Meanwhile, Home Equity Loan rates have slightly improved on the lower end, now at 5.210% to 6.590%, down from 5.360% fifteen days ago, reflecting a modest tightening for fixed-term loans. Homeowners looking for predictable payments may find DIAMOND’s fixed-rate Home Equity Loans attractive for longer-term financial planning. HELOCs provide adaptable borrowing options, ideal for ongoing home improvement or cash flow needs. For more details, visit https://diamondcu.org/home/home-equity-loans/.
BAY FEDERAL CREDIT UNION
As of March 6, 2026, BAY’s HELOC rates range from 2.990% to 8.500%, showing a notable decrease from the consistent 5.740% rate observed 7 and 15 days ago. This significant drop provides an attractive opportunity for homeowners seeking flexible borrowing options with variable rates. HELOCs offer convenient access to funds for ongoing home improvements or emergency expenses without committing to a fixed repayment term. For borrowers prioritizing adaptability over fixed payments, BAY’s current HELOC offerings present competitive terms worth considering. For more details, visit https://www.bayfed.com/loans-credit-cards/home-loans-heloc/heloc.
HORIZON CREDIT UNION
As of March 6, 2026, HORIZON's HELOC rates remain steady at 2.990% to 18.000% APR, showing no change over the past 30 days. This consistent pricing offers predictable borrowing costs for members seeking flexible credit access. Homeowners who value adaptable repayment terms may find the HELOC an effective tool for managing home improvements or unexpected expenses. While fixed-rate home equity loans are not currently listed, the stable HELOC range provides a transparent option for variable-rate borrowing needs. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
LendMesh
Don’t let your home equity sit idle. At LendMesh, we show you real-time loan and HELOC offers from banks and credit unions you can trust—no guesswork, no hidden fees. Unlock your options today at https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re considering unlocking your home’s equity, now is a great time to explore your options but keep your goals front and center. If you prefer payment stability and peace of mind, a fixed-rate home equity loan from POINT BREEZE or DIAMOND could be the right choice. On the other hand, if you anticipate needing funds intermittently or want to pay interest only on what you use, a HELOC with DUPACO COMMUNITY or DIAMOND could offer valuable flexibility at impressively low starting rates. Before committing, always compare current rates closely and check for any fees or penalties that could affect your cost. Additionally, consider your credit score and loan-to-value ratio to secure the best terms possible. Remember, tapping into home equity is a powerful tool, use it wisely by borrowing what you need for meaningful expenses and maintaining a comfortable repayment plan that won’t stretch your finances too thin.