Introduction
For homeowners looking to unlock funds for renovations, education, or consolidating debt, today’s home equity rates offer some encouraging opportunities. As of April 3, 2026, DUPACO COMMUNITY stands out with the lowest HELOC starting rate at an incredibly low 1.990%, making it a compelling choice for those seeking flexible borrowing options with variable rates. If you prefer the predictability of fixed payments, Point Breeze offers competitive home equity loan rates as low as 5.240%, providing stability for budgeting your projects or expenses. Whether you’re planning small upgrades or larger financial moves, understanding these current rates can help you make informed decisions that best suit your financial goals and comfort level.
Home Equity Loans
Credit Union
Product
2026-04-03
(Current Day)
(Current Day)
2026-03-27
(7 Days Ago)
(7 Days Ago)
2026-03-19
(15 Days Ago)
(15 Days Ago)
2026-03-04
(30 Days Ago)
(30 Days Ago)
2026-02-17
(45 Days Ago)
(45 Days Ago)
2026-02-02
(60 Days Ago)
(60 Days Ago)
2026-01-03
(90 Days Ago)
(90 Days Ago)
2025-10-05
(180 Days Ago)
(180 Days Ago)
Heloc
1.990 - 10.750
1.990 - 21.000
1.990 - 21.000
1.990 - 21.000
6.250▲ 426 bps
6.250 - 21.000▲ 426 bps
6.250 - 21.000▲ 426 bps
6.750▲ 476 bps
Home Equity
6.740 - 7.240
6.740 - 7.240
6.740 - 7.240
6.740 - 7.240
6.740 - 7.240
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
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
5.620 - 6.590
5.480 - 6.590▼ 14 bps
5.330 - 6.590▼ 29 bps
5.210 - 6.590▼ 41 bps
5.360 - 6.590▼ 26 bps
5.690 - 6.590▲ 7 bps
Heloc
2.990 - 8.500
2.990 - 8.500
2.990 - 8.500
2.990 - 8.500
5.740▲ 275 bps
5.740 - 8.750▲ 275 bps
DUPACO COMMUNITY CREDIT UNION
As of April 3, 2026, DUPACO COMMUNITY's HELOC rates remain steady, ranging from 1.990% to 10.750% APR, showing significant improvement compared to the higher ceilings of up to 21.000% seen over the past month. This stable and lowered upper range enhances affordability for flexible borrowing needs. The Home Equity Loan fixed rates also hold firm between 6.740% and 7.240% APR, presenting a competitive option for members seeking predictable payments over the loan term. Homeowners looking for adaptable credit access may find HELOCs appealing, while those desiring fixed payments should consider the home equity loan option. For more details, visit https://www.dupaco.com/personal/loans/home-equity-line-of-credit/.
COMMUNITY FINANCIAL CREDIT UNION
As of April 3, 2026, COMMUNITY FINANCIAL’s HELOC rates remain steady between 2.000% and 25.000%, showing no change over the past 30 days. The fixed-rate Home Equity Loan holds firm at 7.240%, offering a consistent option for borrowers seeking long-term stability. For homeowners needing flexible borrowing access, the stable HELOC terms provide reliable liquidity without rate fluctuations. Meanwhile, the fixed Home Equity Loan is attractive for those prioritizing predictable payments and interest costs over time. For more details, visit http://www.cfcu.org/loans/home-equity.
POINT BREEZE CREDIT UNION
As of April 3, 2026, POINT BREEZE maintains steady HELOC rates at 2.490%, unchanged over the past 30 days. The Home Equity Loan rates range from 5.240% to 6.500%, also stable across the same period. These consistent rates provide reliable borrowing options; the low-rate HELOC is ideal for homeowners seeking flexible credit access, while the fixed-rate Home Equity Loans offer predictable payments for longer-term financing needs. For members evaluating borrowing choices, these stable terms support informed decision-making without surprises. For more details, visit https://www.pbcu.com/resources/popular-requests/rates/loan-rates,
DIAMOND CREDIT UNION
As of April 3, 2026, DIAMOND’s HELOC rates remain steady between 2.990% and 6.500%, unchanged over the past 30 days, offering consistent terms for homeowners seeking flexible borrowing. Meanwhile, Home Equity Loan rates have inched higher at the low end, rising from 5.210% to 5.620% over the last month, while the upper APR limit holds firm at 6.590%. For borrowers prioritizing predictable payments, DIAMOND’s fixed-rate home equity loans provide a reliable option despite slight increases. Conversely, HELOCs appeal to those needing adaptable access to funds with stable rates. For more details, visit https://diamondcu.org/home/home-equity-loans/.
CREDIT UNION 1 CREDIT UNION
As of April 3, 2026, CREDIT UNION 1’s HELOC rates remain steady between 2.990% and 6.750%, unchanged over the past week. This stable range offers flexible borrowing options for homeowners seeking variable-rate access to equity. Meanwhile, the fixed Home Equity Loan rate holds firm at 7.000%, providing a consistent long-term financing choice without fluctuations. For borrowers prioritizing predictability, the fixed-rate home equity loan is an attractive option; those needing flexible credit access may find HELOCs suitable. For more details, visit https://www.creditunion1.org/borrow/home-equity-loan/.
BAY FEDERAL CREDIT UNION
As of April 3, 2026, BAY's HELOC rates remain steady, holding at a range of 2.990% to 8.500% APR over the past 30 days. This stability provides consistent borrowing costs for homeowners seeking flexible credit access. HELOCs offer adaptable funds for home improvements or debt consolidation without fixed repayment terms, making them an attractive option in BAY’s portfolio. For members considering variable-rate solutions with reliable pricing, BAY’s HELOC maintains clear and accessible terms. For more details, visit https://www.bayfed.com/loans-credit-cards/home-loans-heloc/heloc.
LendMesh
Your home’s value is growing—why not put it to work? With LendMesh, you can explore flexible home equity loan and HELOC options from trusted lenders. Compare real offers, make smart decisions, and start your next chapter at https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
If you’re ready to tap into your home’s equity, start by comparing both HELOCs and fixed-rate home equity loans to find the right fit for your budget and timeline. A HELOC might be ideal if you want access to funds over time with potentially lower initial rates, but remember variable rates can rise. Fixed-rate loans offer certainty in payments but may have slightly higher starting rates. Given today’s low offers from credit unions like DUPACO COMMUNITY and Point Breeze, now could be a smart time to act, especially if your project or financial need is pressing. However, if you expect interest rates to drop further or your plans are flexible, waiting a bit could pay off. Always consult with your credit union about fees and terms, and consider how long you plan to carry the loan before committing. Your home equity is a powerful tool, use it wisely!