Introduction
For homeowners exploring ways to fund renovations, education, or debt consolidation, tapping into your home equity can be a smart move, especially with rates evolving as of March 27, 2026. If you’re looking for the lowest borrowing costs today, DUPACO COMMUNITY’s HELOC stands out with an incredibly low starting rate of 1.990%, making it an excellent option for flexible borrowing. Borrowers who prefer fixed-rate stability might notice COMMUNITY FINANCIAL offers a consistent 7.240% on their home equity loans. For those seeking a balance between competitive HELOC rates and loan options, POINT BREEZE and DIAMOND credit unions provide attractive choices with HELOC rates starting near 2.490% and fixed loans in the 5-6% range. Whether you want to renovate your home now or manage expenses more efficiently, understanding these current credit union offerings can help you decide which path fits your financial goals best.
Home Equity Loans
Credit Union
Product
2026-03-27
(Current Day)
(Current Day)
2026-03-20
(7 Days Ago)
(7 Days Ago)
2026-03-12
(15 Days Ago)
(15 Days Ago)
2026-02-25
(30 Days Ago)
(30 Days Ago)
2026-02-10
(45 Days Ago)
(45 Days Ago)
2026-01-26
(60 Days Ago)
(60 Days Ago)
2025-12-27
(90 Days Ago)
(90 Days Ago)
2025-09-28
(180 Days Ago)
(180 Days Ago)
Heloc
1.990 - 21.000
1.990 - 6.250
1.990 - 6.250
6.250 - 21.000▲ 426 bps
6.500 - 21.000▲ 451 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
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
5.480 - 6.590
5.330 - 6.590▼ 15 bps
5.330 - 6.590▼ 15 bps
5.210 - 6.590▼ 27 bps
5.690 - 6.590▲ 21 bps
5.470 - 6.990▼ 1 bps
Heloc
2.990 - 8.500
2.990 - 8.500
2.990 - 8.500
5.740▲ 275 bps
5.740▲ 275 bps
5.740▲ 275 bps
Heloc
2.990 - 18.000
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
DUPACO COMMUNITY CREDIT UNION
This week, DUPACO COMMUNITY’s HELOC rates remain steady at a range of 1.990% to 21.000% APR, with no significant changes from the past two weeks. Notably, the upper APR limit has increased compared to seven days ago, indicating a wider rate spread for variable credit lines. Homeowners seeking flexible borrowing options may find these HELOC terms advantageous for managing ongoing expenses or home improvements. Given the current rate environment, those prioritizing predictable payments might consider fixed-rate alternatives elsewhere. For more details, visit https://www.dupaco.com/personal/loans/home-equity-line-of-credit/.
COMMUNITY FINANCIAL CREDIT UNION
As of March 27, 2026, COMMUNITY FINANCIAL’s HELOC rates remain steady between 2.000% and 25.000%, showing no change over the past 30 days. This range provides flexibility for homeowners seeking variable-rate borrowing options. The fixed-rate Home Equity Loan holds firm at 7.240%, offering a consistent repayment plan without rate fluctuations. For borrowers prioritizing predictability, the fixed Home Equity Loan presents an attractive choice. Meanwhile, HELOCs serve well for those needing revolving credit with adaptable access to funds. For more details, visit http://www.cfcu.org/loans/home-equity,
POINT BREEZE CREDIT UNION
As of March 27, 2026, POINT BREEZE’s HELOC rate remains steady at 2.490%, unchanged over the past 15 days, offering consistent, flexible borrowing options for homeowners. The Home Equity Loan rates hold firm between 5.240% and 6.500%, providing fixed-rate choices that suit varying loan terms without recent fluctuations. Homeowners seeking predictable monthly payments may find the fixed-rate Home Equity Loans appealing, while those needing adaptable credit access should consider the stable HELOC rate. For more details, visit https://www.pbcu.com/resources/popular-requests/rates/loan-rates.
DIAMOND CREDIT UNION
As of March 27, 2026, DIAMOND's HELOC rates remain steady at 2.990% to 6.500%, unchanged over the past 30 days, providing consistent flexibility for borrowers seeking revolving credit. Meanwhile, Home Equity Loan rates have inched slightly higher on the low end, rising from 5.210% to 5.480% over the past month, with the upper range stable at 6.590%. Borrowers prioritizing predictable payments may find the fixed-rate Home Equity Loan an attractive option despite a modest rate increase. Those needing flexible access to funds might prefer the stable HELOC offering. For more details, visit https://diamondcu.org/home/home-equity-loans/.
CREDIT UNION 1 CREDIT UNION
As of March 27, 2026, CREDIT UNION 1's HELOC rates remain steady between 2.990% and 6.750%, consistent with the range from 30 days ago. The fixed Home Equity Loan rate holds firm at 7.000% over the past month, offering predictability for borrowers seeking long-term stability. For homeowners requiring flexible borrowing options, the HELOC provides variable access to funds with competitive rates. Meanwhile, those prioritizing fixed payments may find the 7.000% Home Equity Loan an attractive choice. For more details, visit https://www.creditunion1.org/borrow/home-equity-loan/.
BAY FEDERAL CREDIT UNION
As of March 27, 2026, BAY’s HELOC rates remain stable, holding at a range of 2.990% to 8.500% APR over the past 15 days. Notably, this represents a significant improvement from 30 days ago when the rate was 5.740%, indicating increased affordability for flexible borrowing. Homeowners seeking adaptable credit lines will find BAY’s HELOC options attractive due to steady low starting rates and broad APR ranges catering to diverse credit profiles. For those prioritizing flexibility over fixed terms, these HELOCs provide reliable access to home equity with competitive pricing. For more details, visit https://www.bayfed.com/loans-credit-cards/home-loans-heloc/heloc.
HORIZON CREDIT UNION
As of March 27, 2026, HORIZON’s HELOC rates remain steady at 2.990% to 18.000% APR, showing no change over the past 30 days. This stability offers predictable borrowing costs for homeowners seeking flexible access to funds. While the upper APR is broad, the competitive low rate of 2.990% makes the HELOC an attractive option for those who value adjustable credit lines over fixed loans. Homeowners looking for revolving credit with manageable initial rates may find this product well-suited to their needs. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
THE SUMMIT FEDERAL CREDIT UNION
As of March 27, 2026, THE SUMMIT’s HELOC rates remain stable, holding steady between 3.450% and 7.000% over the past week. This consistent pricing offers homeowners flexible borrowing with predictable costs in a fluctuating market. While fixed-rate home equity loans are not currently listed, the HELOC option provides adaptable access to funds for home improvements or debt consolidation. Borrowers valuing rate stability and flexible repayment may find this product appealing. For more details, visit https://www.summitfcu.org/mortgage-home-equity/home-equity-lines-of-credit/.
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 .
Conclusion
Before drawing on your home equity, take time to evaluate your financial needs and compare current rates carefully, those ultra-low HELOC rates like DUPACO COMMUNITY’s 1.990% could save you significant interest over time if you plan to borrow flexibly. However, if you prefer predictable monthly payments, fixed-rate loans from POINT BREEZE or DIAMOND might suit your budgeting style better. Remember, watch for any rate changes over the next month, especially since some credit unions have seen shifts in their upper-rate limits recently. Lastly, don’t forget to consider your repayment timeline and how much equity you’re comfortable leveraging. Consulting with a trusted credit union advisor can ensure you choose the most cost-effective solution tailored just for you, helping turn your home equity into a valuable tool without surprises down the road.