Introduction
If you’re a homeowner thinking about using your home equity for renovations, education, or consolidating debt, today’s market offers some compelling opportunities. As of April 24, 2026, Community Financial is standing out with the lowest HELOC rates starting at just 2.00%, making it an attractive option for borrowers seeking flexible access to funds. Whether you prefer the adjustable nature of a HELOC or the predictability of a fixed-rate home equity loan, there are options tailored to different financial goals and risk tolerances. For example, Point Breeze also offers competitive HELOC rates at 2.49%, while their fixed-rate loans range from 5.24% to 6.50%, providing choices for those who want stability in payments. Notably, rates have remained steady over the past month across all credit unions, so now could be a smart time to explore tapping into your home’s value without worrying about sudden spikes.
Home Equity Loans
Credit Union
Product
2026-04-24
(Current Day)
(Current Day)
2026-04-17
(7 Days Ago)
(7 Days Ago)
2026-04-09
(15 Days Ago)
(15 Days Ago)
2026-03-25
(30 Days Ago)
(30 Days Ago)
2026-03-10
(45 Days Ago)
(45 Days Ago)
2026-02-23
(60 Days Ago)
(60 Days Ago)
2026-01-24
(90 Days Ago)
(90 Days Ago)
2025-10-26
(180 Days Ago)
(180 Days Ago)
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
7.000▲ 500 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 - 6.750
2.990 - 6.750
2.990 - 6.750
2.990 - 6.750
2.990 - 6.750
2.990 - 6.750
Heloc
2.990 - 8.500
2.990 - 8.500
2.990 - 8.500
2.990 - 8.500
2.990 - 8.500
5.740▲ 275 bps
5.740▲ 275 bps
6.240 - 9.250▲ 325 bps
Heloc
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 - 18.000
2.990 - 18.000
COMMUNITY FINANCIAL CREDIT UNION
As of April 24, 2026, COMMUNITY FINANCIAL’s HELOC rates remain steady in the range of 2.000% to 25.000%, offering flexible borrowing options with variable access. The fixed-rate Home Equity Loan holds firm at 7.240%, providing a predictable payment structure for long-term planning. For homeowners seeking adaptable credit lines, the HELOC’s stable low starting rates are attractive. Meanwhile, borrowers prioritizing consistent payments may find the fixed-rate home equity loan a reliable choice. For more details, visit http://www.cfcu.org/loans/home-equity.
POINT BREEZE CREDIT UNION
As of April 24, 2026, POINT BREEZE’s HELOC rate remains steady at 2.490%, consistent over the past 30 days, offering a low-cost option for flexible borrowing. The Home Equity Loan rates hold firm between 5.240% and 6.500%, with no recent changes, providing predictable long-term fixed-rate solutions for homeowners seeking stability. Those needing revolving credit might find the HELOC particularly attractive due to its unchanged low rate; meanwhile, fixed-rate loans are ideal for borrowers prioritizing consistent monthly payments. For more details, visit https://www.pbcu.com/resources/popular-requests/rates/loan-rates.
CREDIT UNION 1 CREDIT UNION
As of April 24, 2026, CREDIT UNION 1’s HELOC rates remain steady between 2.990% and 6.750%, showing no change over the past 30 days. Similarly, the fixed-rate Home Equity Loan holds firm at 7.000% with no fluctuations during this period. For borrowers seeking flexible access to funds, the HELOC offers a competitive variable rate range, while those preferring predictability may find the 7.000% fixed Home Equity Loan attractive for long-term planning. For more details, visit https://www.creditunion1.org/borrow/home-equity-loan/.
BAY FEDERAL CREDIT UNION
As of April 24, 2026, BAY’s HELOC rates remain steady, ranging from 2.990% to 8.500% over the past 30 days. This stable rate environment offers consistent borrowing costs for homeowners seeking flexible credit access. HELOCs are ideal for those needing revolving credit with variable rates, suitable for ongoing projects or emergencies. While no changes are observed in fixed-rate home equity loans this period, BAY’s competitive HELOC terms provide transparent options without rate volatility. For more details, visit https://www.bayfed.com/loans-credit-cards/home-loans-heloc/heloc.
HORIZON CREDIT UNION
As of April 24, 2026, HORIZON’s HELOC rates remain stable, holding steady at a range of 2.990% to 18.000% APR over the past 30 days. This consistent rate band provides predictable borrowing costs for members seeking flexible home equity access. HELOCs are well-suited for homeowners who value revolving credit and variable payments tied to current market conditions. While no recent changes occurred, this stability offers confidence in planning for home improvements or debt consolidation. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
LendMesh
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Conclusion
Before you decide to borrow against your home equity, consider your financial timeline and how comfortable you are with variable versus fixed rates. If you need flexibility and plan on paying off your balance relatively quickly, a low-rate HELOC like Community Financial’s could save you money on interest. On the other hand, if you prefer predictable monthly payments for budgeting purposes, look closely at fixed-rate loans such as those offered by Point Breeze or Credit Union 1. Also, since rates have been stable recently, there’s no urgent rush, but don’t wait too long if current rates fit your budget and borrowing needs. Consult with your credit union’s loan officer to understand fees and terms fully, and remember that borrowing wisely can turn your home equity into a powerful tool for improving your financial future.