Introduction
For homeowners looking to unlock the value in their property, understanding today’s home equity loan and HELOC rates can make a significant difference. As of April 10, 2026, ALLEGACY Credit Union offers an exceptional HELOC starting as low as 0.5%, making it an ideal option for borrowers seeking flexible financing for renovations, education costs, or debt consolidation. If you prefer a fixed-rate loan, POINT BREEZE presents attractive home equity loans with rates beginning at 5.24%. Whether you need variable-rate convenience or predictable payments, these competitive offers could help you maximize your borrowing power while managing costs effectively. For those weighing options, staying informed about current rates and slight fluctuations over the past month can guide smarter decisions tailored to your financial goals.
Home Equity Loans
Credit Union
Product
2026-04-10
(Current Day)
(Current Day)
2026-04-03
(7 Days Ago)
(7 Days Ago)
2026-03-26
(15 Days Ago)
(15 Days Ago)
2026-03-11
(30 Days Ago)
(30 Days Ago)
2026-02-24
(45 Days Ago)
(45 Days Ago)
2026-02-09
(60 Days Ago)
(60 Days Ago)
2026-01-10
(90 Days Ago)
(90 Days Ago)
2025-10-12
(180 Days Ago)
(180 Days Ago)
Heloc
0.500 - 18.000
4.990 - 18.000▲ 449 bps
4.990 - 18.000▲ 449 bps
4.000 - 18.000▲ 350 bps
4.000 - 18.000▲ 350 bps
0.500 - 18.000
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 - 6.500
2.990 - 6.500
Home Equity
5.620 - 6.590
5.620 - 6.590
5.480 - 6.590▼ 14 bps
5.210 - 6.590▼ 41 bps
5.210 - 6.590▼ 41 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
ALLEGACY FEDERAL CREDIT UNION
As of April 10, 2026, ALLEGACY’s HELOC rates show a significant decline in the starting APR, dropping from 4.99% a month ago to an exceptionally low 0.50% today, while the upper APR remains steady at 18.00%. This steep reduction in the minimum rate offers an attractive entry point for borrowers seeking flexible access to home equity funds. Homeowners valuing adjustable borrowing terms should consider these competitive HELOC options for short-term financing needs or ongoing access to credit. For more details, visit https://www.allegacy.org/home-equity-loans/.
COMMUNITY FINANCIAL CREDIT UNION
As of April 10, 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. The fixed-rate Home Equity Loan holds firm at 7.240%, providing a consistent payment option without rate fluctuations. For borrowers prioritizing predictable monthly payments, the fixed-rate home equity loan is an attractive choice. Meanwhile, HELOCs suit those who need ongoing access to credit with adjustable rates. For more details, visit http://www.cfcu.org/loans/home-equity.
POINT BREEZE CREDIT UNION
As of April 10, 2026, POINT BREEZE’s HELOC rates remain steady at 2.490%, offering consistent, low-cost access for homeowners seeking flexible borrowing. The Home Equity Loan rates hold firm between 5.240% and 6.500%, providing stable fixed-rate options ideal for those preferring predictable payments over the loan term. With no recent fluctuations in either product, borrowers can confidently plan their financing strategies. For homeowners needing flexible credit access, the HELOC’s competitive rate is particularly attractive, while fixed-rate loans suit those prioritizing long-term stability. For more details, visit https://www.pbcu.com/resources/popular-requests/rates/loan-rates.
DIAMOND CREDIT UNION
As of April 10, 2026, DIAMOND’s HELOC rates remain steady between 2.990% and 6.500% over the past 30 days, offering consistent terms for flexible borrowing. Meanwhile, Home Equity Loan rates have risen modestly from 5.210% to a current range of 5.620% to 6.590%, reflecting a slight upward trend in fixed-rate options. Homeowners seeking predictable payments may find the long-term fixed Home Equity Loans attractive despite this increase. Conversely, HELOCs provide adaptable access to funds with stable pricing. For more details, visit https://diamondcu.org/home/home-equity-loans/.
CREDIT UNION 1 CREDIT UNION
As of April 10, 2026, CREDIT UNION 1’s HELOC rates remain steady between 2.990% and 6.750%, consistent over the past 15 days. This stability offers predictable costs for borrowers seeking flexible access to home equity funds. The fixed Home Equity Loan rate holds firm at 7.000%, providing a reliable option for members preferring long-term fixed payments without rate fluctuations. Homeowners valuing budget certainty may find the fixed-rate loan attractive, while those needing adaptable borrowing may benefit from the stable HELOC range. For more details, visit https://www.creditunion1.org/borrow/home-equity-loan/.
BAY FEDERAL CREDIT UNION
As of April 10, 2026, BAY’s HELOC rates remain steady at a range of 2.990% to 8.500%, unchanged over the past 30 days. This stability offers predictability for homeowners seeking flexible borrowing options. HELOCs are well-suited for those needing ongoing access to funds with variable rates tied to market conditions. While fixed-rate home equity loans typically provide long-term security, BAY currently offers only HELOC products. For borrowers prioritizing adjustable-rate flexibility and consistent pricing, BAY’s HELOC remains a competitive choice.
For more details, visit https://www.bayfed.com/loans-credit-cards/home-loans-heloc/heloc.
LendMesh
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Conclusion
If you’re considering tapping into your home’s equity now, focus on lenders like ALLEGACY for the lowest HELOC rates if flexibility suits your needs. However, if steady monthly payments are a priority, POINT BREEZE’s fixed-rate home equity loans remain consistently competitive. Keep in mind that while some rates have remained stable over the past month, small changes can impact your total borrowing cost , so lock in a rate when you see a deal that fits your budget and timeline. Before applying, assess your renovation plans or debt goals carefully and ensure your credit union offers terms aligned with your repayment capacity. Remember, using home equity wisely can enhance your financial well-being without overextending yourself, so take advantage of free consultations offered by many credit unions to clarify all options before moving forward.