Introduction
For homeowners looking to unlock the value in their homes, today’s rates on March 13, 2026, offer some compelling opportunities. Whether you’re planning renovations, funding education, or consolidating debt, tapping into your home equity can be a smart financial move, especially when you find a deal that fits your budget and timeline. If you prefer flexibility, Community Financial’s HELOC stands out with an exceptionally low rate starting at just 2.000%, holding steady over the past month. For those who favor predictable payments, fixed-rate home equity loans like Diamond Credit Union’s range from 5.330% to 6.590%, offering stability with competitive pricing. Borrowers who want a middle ground between cost and term length will appreciate Horizon’s HELOC options, consistently available from 2.990%. With rates largely stable over the last 30 days across multiple credit unions, today’s market is favorable for homeowners ready to make their next move without rushing.
Home Equity Loans
Credit Union
Product
2026-03-13
(Current Day)
(Current Day)
2026-03-06
(7 Days Ago)
(7 Days Ago)
2026-02-26
(15 Days Ago)
(15 Days Ago)
2026-02-11
(30 Days Ago)
(30 Days Ago)
2026-01-27
(45 Days Ago)
(45 Days Ago)
2026-01-12
(60 Days Ago)
(60 Days Ago)
2025-12-13
(90 Days Ago)
(90 Days Ago)
2025-09-14
(180 Days Ago)
(180 Days Ago)
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 - 6.750
Home Equity
5.330 - 6.590
5.210 - 6.590▼ 12 bps
5.210 - 6.590▼ 12 bps
5.690 - 6.590▲ 36 bps
5.340 - 6.990▲ 1 bps
5.450 - 6.990▲ 12 bps
Heloc
2.990 - 8.500
2.990 - 8.500
5.740▲ 275 bps
5.740▲ 275 bps
5.740 - 8.750▲ 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
Heloc
3.490 - 7.750
3.490 - 7.750
3.490 - 7.750
3.490 - 7.750
3.490 - 7.750
3.490 - 7.750
3.490 - 8.250
Heloc
6.500 - 7.750
6.500 - 7.750
6.500 - 7.750
6.500 - 7.750
6.500 - 7.750
6.500 - 7.750
6.500 - 7.750
7.250 - 8.500▲ 75 bps
Heloc
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
Home Equity
6.500 - 13.130
6.500 - 13.130
6.500 - 13.130
6.500 - 13.130
6.630 - 13.250▲ 13 bps
6.630 - 13.250▲ 13 bps
6.630 - 13.250▲ 13 bps
7.000 - 13.630▲ 50 bps
COMMUNITY FINANCIAL CREDIT UNION
As of March 13, 2026, COMMUNITY FINANCIAL’s HELOC rates remain steady between 2.000% and 25.000%, showing no change over the past 30 days. This range offers flexible borrowing options for homeowners seeking variable access to funds. Meanwhile, the fixed-rate Home Equity Loan holds firm at 7.240%, providing a consistent long-term borrowing solution without rate fluctuations. For borrowers valuing predictability, the fixed-rate loan stands out as an attractive choice. Those needing adaptable credit lines may find the HELOC’s stable rate band advantageous. For more details, visit http://www.cfcu.org/loans/home-equity.
DIAMOND CREDIT UNION
As of March 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 for homeowners. Meanwhile, Home Equity Loan rates have slightly increased at the low end from 5.210% to 5.330%, with the upper range stable at 6.590%. The fixed-rate home equity loan remains a strong choice for borrowers seeking predictable payments over time. For those valuing ongoing borrowing flexibility, the stable HELOC rates present an attractive option.
For more details, visit https://diamondcu.org/home/home-equity-loans/.
BAY FEDERAL CREDIT UNION
As of March 13, 2026, BAY’s HELOC rates remain steady at a range of 2.990% to 8.500% APR, unchanged over the past week. Notably, this marks a significant improvement from 15 days ago when rates were as high as 5.740%. This stable and competitive rate band makes HELOCs an attractive option for homeowners seeking flexible access to funds with variable rates. For those prioritizing adaptable borrowing terms, BAY’s HELOC offers reliable pricing without recent volatility. For more details, visit https://www.bayfed.com/loans-credit-cards/home-loans-heloc/heloc.
HORIZON CREDIT UNION
As of March 13, 2026, HORIZON's HELOC rates remain stable at 2.990% to 18.000% APR, showing no movement over the past 30 days. This consistent rate range offers a reliable option for borrowers seeking flexible access to home equity funds without rate fluctuations. While no new fixed-rate home equity loans are listed, the current HELOC terms provide competitive pricing for homeowners who prefer adjustable credit lines tailored to their needs. For those valuing flexibility and predictable costs within this rate band, HORIZON’s HELOC continues to be an accessible lending solution. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION
As of March 13, 2026, EDUCATIONAL SYSTEMS' HELOC rates remain stable, holding steady between 3.490% and 7.750% over the past 30 days. This consistency provides homeowners with predictable borrowing costs. HELOCs offer flexible access to funds, ideal for those needing variable credit lines for home improvements or unexpected expenses. While no rate changes occurred recently, locking in current rates could benefit borrowers anticipating future increases. For detailed rate information and terms, visit https://www.esfcu.org/rates/loans-and-credit-card-rates.
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION
As of March 13, 2026, CREDIT UNION OF COLORADO, A maintains steady rates for its home equity products. The Home Equity Loan (Other) offers a broad APR range from 3.500% to 18.000%, unchanged over the past week, providing options for various credit profiles. Meanwhile, the HELOC rates remain stable between 6.500% and 7.750%, consistent over the last 30 days. For homeowners seeking predictable payments, the fixed-rate home equity loans present an attractive choice, while HELOCs offer flexible borrowing suited for ongoing expenses or renovations. For more details, visit https://www.cuofco.org/mortgage-rates.
GESA CREDIT UNION
As of March 13, 2026, GESA’s HELOC rates remain steady between 3.950% and 18.000%, consistent over the past 30 days. Similarly, Home Equity Loan rates hold firm from 6.500% to 13.130% with no recent fluctuations. For borrowers seeking flexibility, HELOCs offer variable-rate access ideal for ongoing home improvements or short-term needs. Meanwhile, fixed-rate Home Equity Loans provide predictable payments suitable for longer-term financing. The stable rate environment allows members to plan confidently for their borrowing needs. For more details, visit https://www.gesa.com/contents/home-equity-loan/#home-equity-notes:~:text=Rates%20as%20low%20as%206.88%25%20%E2%80%93%2013.88%25.
ORION FEDERAL CREDIT UNION
As of March 13, 2026, ORION’s HELOC rate remains steady at 3.990%, showing no change over the past 30 days. This consistent rate provides homeowners with a reliable and flexible borrowing option for managing home improvements or unexpected expenses. A HELOC is ideal for those seeking adaptable access to funds with a competitive variable rate. Stability in this product’s pricing underscores ORION’s commitment to accessible lending solutions without sudden rate shifts. For more details, visit https://orionfcu.com/personal-banking/loans/heloc.
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 .
Conclusion
If you’re considering drawing on your home equity now, focus first on comparing both HELOC and fixed-rate loan options to find what matches your financial goals and risk tolerance. A variable-rate HELOC like Community Financial’s can save you money if you plan short-term use or expect rates to stay low. Conversely, a fixed-rate loan offers peace of mind against rising interest costs, ideal for long-term projects or debt consolidation. Since many credit unions have held rates steady recently, there’s no immediate pressure to lock in an offer hastily; however, act promptly if you spot a rate that fits your budget and timeline because market conditions can change. Finally, before applying, review your credit score and equity position carefully to secure the best terms possible. By weighing these factors thoughtfully, you’ll maximize your home’s value while supporting your financial wellbeing.