Introduction
For homeowners looking to make the most of their property’s value, today’s home equity financing options offer exciting opportunities. As of March 20, 2026, DUPACO COMMUNITY Credit Union leads with an impressively low HELOC rate starting at just 1.99%, ideal for borrowers who want flexible access to funds for renovations, education expenses, or consolidating higher-interest debt. Fixed-rate home equity loans also remain competitive, with POINT BREEZE offering rates as low as 5.24%, providing stability for those who prefer predictable monthly payments. Whether you seek the variable convenience of a HELOC or the certainty of a fixed loan, today’s market presents choices that can fit different financial goals and risk comfort levels. Homeowners ready to tap into their equity should pay attention to these standout rates and note that some credit unions have maintained steady pricing over the past month, signaling stable borrowing conditions.
Home Equity Loans
Credit Union
Product
2026-03-20
(Current Day)
(Current Day)
2026-03-13
(7 Days Ago)
(7 Days Ago)
2026-03-05
(15 Days Ago)
(15 Days Ago)
2026-02-18
(30 Days Ago)
(30 Days Ago)
2026-02-03
(45 Days Ago)
(45 Days Ago)
2026-01-19
(60 Days Ago)
(60 Days Ago)
2025-12-20
(90 Days Ago)
(90 Days Ago)
2025-09-21
(180 Days Ago)
(180 Days Ago)
Home Equity
6.750 - 8.750
6.750 - 7.750
6.750 - 8.750
6.625 - 10.500▼ 12.5 bps
6.875 - 10.500▲ 12.5 bps
6.750 - 10.500
6.875 - 10.500▲ 12.5 bps
Heloc
1.990 - 6.250
1.990 - 21.000
6.250▲ 426 bps
6.250 - 21.000▲ 426 bps
6.250 - 21.000▲ 426 bps
6.500 - 21.000▲ 451 bps
Home Equity
6.740 - 7.240
6.740 - 7.240
6.740 - 7.240
6.740 - 7.240
6.990 - 7.490▲ 25 bps
Heloc
2.000 - 25.000
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
Home Equity
5.240 - 6.500
5.240 - 6.500
5.240 - 6.500
5.240 - 6.500
5.240 - 6.500
5.240 - 6.500
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
Home Equity
5.330 - 6.590
5.330 - 6.590
5.210 - 6.590▼ 12 bps
5.360 - 6.590▲ 3 bps
5.520 - 6.990▲ 19 bps
Heloc
2.990 - 7.250
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
Heloc
2.990 - 8.500
2.990 - 8.500
2.990 - 8.500
5.740▲ 275 bps
5.740▲ 275 bps
5.740 - 8.750▲ 275 bps
HERITAGE FEDERAL CREDIT UNION
As of March 20, 2026, HERITAGE Home Equity Loan rates remain steady at a range of 6.750% to 8.750% APR, consistent with the levels seen 15 days ago and slightly higher than the narrower range observed 7 days ago. Compared to 30 days prior, the top-end APR has improved significantly from 10.500% to 8.750%, offering more affordable fixed-rate options for borrowers seeking long-term stability. Homeowners valuing predictable monthly payments may find these fixed-rate loans attractive. For those needing flexible borrowing, current HELOC rates are not specified here but typically offer variable access suited to ongoing home improvement projects or liquidity needs. 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 20, 2026, DUPACO COMMUNITY’s HELOC rates remain steady at 1.990% to 6.250% APR, showing stability compared to 15 days ago when the upper range reached 21.000%. This tightening suggests improved borrowing conditions for flexible credit access. Meanwhile, Home Equity Loan rates hold firm between 6.740% and 7.240% APR over the past month, offering consistent fixed-rate options for homeowners seeking predictable payments. For those valuing rate certainty, the fixed Home Equity Loan remains attractive; HELOCs continue to suit borrowers needing flexible funds on demand. For more details, visit https://www.dupaco.com/personal/loans/home-equity-line-of-credit/.
COMMUNITY FINANCIAL CREDIT UNION
As of March 20, 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 flexibility for homeowners seeking variable-rate borrowing options. The fixed-rate Home Equity Loan holds firm at 7.240%, providing a consistent long-term financing solution without fluctuations. Homeowners valuing predictable payments may find the Home Equity Loan an attractive option, while those needing ongoing access to funds might prefer the HELOC’s adaptable terms. For more details, visit http://www.cfcu.org/loans/home-equity.
POINT BREEZE CREDIT UNION
As of March 20, 2026, POINT BREEZE HELOC rates remain steady at 2.490%, showing no change over the past 30 days. Similarly, Home Equity Loan rates hold firm between 5.240% and 6.500%, with no variation in the last month. The consistent HELOC rate at 2.490% offers a flexible borrowing option for homeowners seeking revolving credit access. Meanwhile, the fixed-rate Home Equity Loans provide stability for borrowers preferring predictable payments over varied terms. For clear and reliable home equity financing, these stable rates support sound borrowing decisions. For more details, visit https://www.pbcu.com/resources/popular-requests/rates/loan-rates,
DIAMOND CREDIT UNION
As of March 20, 2026, DIAMOND’s HELOC rates remain steady between 2.990% and 6.500%, showing no change over the past 30 days. Meanwhile, Home Equity Loan rates hold firm around 5.330% to 6.590%, with a slight tightening compared to 15 days ago where the low end was 5.210%. This stability makes fixed-rate Home Equity Loans attractive for borrowers seeking predictable payments over time, while the HELOC offers flexible borrowing options at consistently competitive variable rates. For homeowners balancing access and cost certainty, these products provide clear benefits tailored to different financial needs. For more details, visit https://diamondcu.org/home/home-equity-loans/.
HORIZON CREDIT UNION
As of March 20, 2026, HORIZON’s HELOC rates remain steady at 2.990% to 7.250% APR, showing a significant narrowing from the previous 18.000% high seen over the past month. This substantial reduction in the upper APR range enhances affordability and makes HELOCs an attractive option for homeowners seeking flexible borrowing with competitive variable rates. Those needing revolving credit for home improvements or emergency funds may find this product especially suitable given its improved terms and stable low-end rates.
For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
BAY FEDERAL CREDIT UNION
As of March 20, 2026, BAY's HELOC rates remain steady between 2.990% and 8.500%, showing no change over the past 15 days. Notably, this marks a significant decline from 5.740% seen 30 days ago, reflecting improved borrowing conditions for flexible credit access. HELOCs continue to offer homeowners a versatile financing option with competitive variable rates suited for ongoing or unexpected expenses. Prospective borrowers seeking adaptable home equity solutions should consider BAY’s stable and attractive HELOC offerings. For more details, visit https://www.bayfed.com/loans-credit-cards/home-loans-heloc/heloc.
SALAL CREDIT UNION
SALAL’s current HELOC rates range from 3.240% to 18.000% APR, with no prior data available for comparison. This product offers flexible borrowing options, ideal for homeowners seeking variable access to funds without locking into a fixed term. While fixed-rate loans typically benefit those wanting predictable payments, SALAL’s HELOC remains a practical choice for ongoing liquidity needs. For homeowners considering adaptable financing solutions, reviewing the current HELOC terms can provide valuable flexibility. For more details, visit https://www.salalcu.org/personal/borrow/.
LendMesh
No sales pitch. No confusing jargon. Just a smarter way to borrow. LendMesh helps you understand your home equity loan options—and connects you with lenders who care. Visit https://www.lendmesh.com/loans/home_equity_loans to get started today.
Conclusion
If you’re considering tapping into your home equity now, start by assessing your financial needs and timeline, a HELOC might suit you if flexibility is key, while a fixed-rate loan offers peace of mind on payments. With several credit unions holding rates steady or offering notable lows today, there’s no rush to lock in if your project isn’t immediate. However, if current low rates match your budget and plans, acting sooner could save money over time. Always compare terms carefully and consider total costs beyond interest rates, including fees and repayment options. Remember, your home is a valuable asset; borrowing wisely ensures it helps build your future without undue risk. Reach out to credit unions showing competitive offers like DUPACO COMMUNITY or POINT BREEZE to explore personalized quotes tailored to your goals before making a decision.