Introduction
If you’re a homeowner weighing your options to fund home renovations, education expenses, or consolidate debt, understanding today’s home equity rates can make a big difference. As of April 17, 2026, the lowest available rate for a HELOC is an attractive 2.00% from Community Financial, offering flexible access to funds with variable interest. For those who prefer the predictability of fixed-rate loans, Point Breeze stands out with home equity loan rates starting as low as 5.24%, making it a strong contender for stable monthly payments. Whether you want the convenience of tapping into your home's value on demand or prefer locking in a consistent rate, these credit union options cater to different borrower needs. Notably, most rates have remained steady over the past month, giving you confidence in today's market stability. If you’re planning improvements or managing debt, exploring these competitive offers could be the first step toward turning your plans into reality.
Home Equity Loans
Credit Union
Product
2026-04-17
(Current Day)
(Current Day)
2026-04-10
(7 Days Ago)
(7 Days Ago)
2026-04-02
(15 Days Ago)
(15 Days Ago)
2026-03-18
(30 Days Ago)
(30 Days Ago)
2026-03-03
(45 Days Ago)
(45 Days Ago)
2026-02-16
(60 Days Ago)
(60 Days Ago)
2026-01-17
(90 Days Ago)
(90 Days Ago)
2025-10-19
(180 Days Ago)
(180 Days Ago)
Home Equity
7.000 - 9.130
6.750 - 8.750▼ 25 bps
6.750 - 8.750▼ 25 bps
6.750 - 8.750▼ 25 bps
6.750 - 10.500▼ 25 bps
6.750 - 10.500▼ 25 bps
6.875 - 10.500▼ 12.5 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
2.000 - 25.000
2.000 - 25.000
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
2.990 - 7.000
Home Equity
5.600 - 5.690
5.620 - 6.590▲ 2 bps
5.620 - 6.590▲ 2 bps
5.330 - 6.590▼ 27 bps
5.210 - 6.590▼ 39 bps
5.360 - 6.590▼ 24 bps
Heloc
2.990 - 8.500
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
6.240▲ 325 bps
HERITAGE FEDERAL CREDIT UNION
As of April 17, 2026, HERITAGE's Home Equity Loan rates range from 7.000% to 9.130%, reflecting a slight increase compared to 15 and 30 days ago when rates were between 6.750% and 8.750%. This shift suggests a modest upward trend in fixed-rate home equity lending costs over the past month. For borrowers seeking predictable payments, the current fixed-rate loans offer stable long-term financing options despite the recent rate adjustment. Homeowners considering flexible borrowing may find HELOCs appealing, though HERITAGE’s current table does not list specific HELOC rates at this time. For more details, visit https://www.heritagefederal.org/personal-banking/loans-and-credit-cards/loan-rates/home-equity-and-improvement-rates.
COMMUNITY FINANCIAL CREDIT UNION
As of April 17, 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 needing variable access to funds. The fixed-rate Home Equity Loan holds firm at 7.240%, providing a consistent long-term borrowing cost without fluctuations. For those seeking predictable payments, the fixed-rate loan remains an attractive choice amid stable market conditions. HELOCs suit borrowers prioritizing flexibility, while fixed loans benefit those valuing rate stability. For more details, visit http://www.cfcu.org/loans/home-equity,
POINT BREEZE CREDIT UNION
As of April 17, 2026, POINT BREEZE maintains steady HELOC rates at 2.490%, unchanged over the past 15 days, offering consistent value for members seeking flexible borrowing. The Home Equity Loan rates range from 5.240% to 6.500%, holding firm without fluctuations in recent weeks. Members looking for predictable payments may find the fixed-rate home equity loans attractive, while those needing adaptable access can benefit from the stable HELOC option. For more details, visit https://www.pbcu.com/resources/popular-requests/rates/loan-rates.
DIAMOND CREDIT UNION
As of April 17, 2026, DIAMOND’s HELOC rates remain steady between 2.990% and 6.500%, unchanged over the past 30 days, offering consistent flexible borrowing options. Meanwhile, Home Equity Loan rates show a slight improvement, with today’s range at 5.600% to 5.690%, narrowing from previous highs up to 6.590% fifteen and thirty days ago. Homeowners seeking predictable payments may find the fixed-rate Home Equity Loans attractive, especially given the recent tightening of rates. For those needing revolving credit access, the stable HELOC terms provide reliable flexibility without rate volatility. For more details, visit https://diamondcu.org/home/home-equity-loans/.
CREDIT UNION 1 CREDIT UNION
As of April 17, 2026, CREDIT UNION 1’s HELOC rates remain steady between 2.990% and 6.750%, unchanged over the past 30 days, offering consistent options for homeowners seeking flexible credit access. Meanwhile, the fixed-rate Home Equity Loan holds firm at 7.000%, providing a stable borrowing cost for those preferring predictable monthly payments. For borrowers valuing flexibility, the HELOC’s variable range is attractive; fixed-rate loans suit members prioritizing long-term rate certainty. For more details, visit https://www.creditunion1.org/borrow/home-equity-loan/.
BAY FEDERAL CREDIT UNION
As of April 17, 2026, BAY’s HELOC rates remain steady between 2.990% and 8.500%, unchanged over the past 30 days. This consistency provides predictable borrowing costs for homeowners seeking flexible credit access. HELOCs are well-suited for those needing ongoing liquidity or variable-rate options without committing to fixed loan terms. While no recent rate shifts have occurred, BAY’s stable range offers reliability in a fluctuating market environment. For more details, visit https://www.bayfed.com/loans-credit-cards/home-loans-heloc/heloc.
LendMesh
From home upgrades to business ventures, a home equity loan can open doors. LendMesh helps you compare lending options built for your budget and your timeline. Ready to put your equity to work? Visit https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
Before tapping into your home equity, consider your financial goals and how long you plan to carry the balance. If flexibility and lower initial rates matter most, a HELOC like Community Financial’s 2.00% option could be ideal, especially if you anticipate borrowing intermittently or paying off quickly. However, if you prefer certainty in budgeting, fixed-rate loans such as those at Point Breeze offer dependable payments with rates starting around 5.24%. Keep in mind that even small rate differences can impact overall costs significantly over time. Always check for any fees and confirm terms before committing, and don’t hesitate to consult with your credit union about personalized advice tailored to your situation. With today’s stable rates and multiple choices available, now might be the right moment to leverage your home’s equity thoughtfully and confidently.