Introduction
As of May 1, 2026, homeowners looking to unlock their property’s value have some encouraging options. Whether you’re planning a home renovation, funding education, or consolidating debt, understanding today’s home equity rates can help you make confident financial choices. The lowest available rate is an impressive 2.00% through COMMUNITY FINANCIAL’s HELOC program, offering flexible access to funds with variable rates that have remained steady over the past month. For those who prefer fixed-rate predictability, POINT BREEZE presents competitive home equity loan rates starting as low as 5.24%, maintaining stability for borrowers who want certainty in payments. If you’re weighing your options between a HELOC and a fixed-rate loan, today’s market shows that both paths come with attractive rates and consistent terms, making this an ideal time for borrowers seeking affordable financing solutions tailored to their unique needs.
Home Equity Loans
Credit Union
Product
2026-05-01
(Current Day)
(Current Day)
2026-04-24
(7 Days Ago)
(7 Days Ago)
2026-04-16
(15 Days Ago)
(15 Days Ago)
2026-04-01
(30 Days Ago)
(30 Days Ago)
2026-03-17
(45 Days Ago)
(45 Days Ago)
2026-03-02
(60 Days Ago)
(60 Days Ago)
2026-01-31
(90 Days Ago)
(90 Days Ago)
2025-11-02
(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
6.875 - 10.500▼ 12.5 bps
7.750 - 10.500▲ 75 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
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
Heloc
2.990 - 6.500
2.990 - 6.500
2.990 - 6.500
2.990 - 6.500
2.990 - 6.500
2.990 - 7.000
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
5.990▲ 300 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
HERITAGE FEDERAL CREDIT UNION
As of May 1, 2026, HERITAGE's Home Equity Loan rates have risen slightly, moving from a range of 6.750% - 8.750% thirty days ago to 7.000% - 9.130% today. This modest increase reflects current market trends but still offers competitive fixed-rate options for borrowers seeking predictable payments. Home equity loans remain an attractive choice for homeowners looking to finance larger projects with stable terms. While no HELOC rates are reported, flexible credit lines typically appeal to those needing ongoing access to funds. 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 May 1, 2026, COMMUNITY FINANCIAL’s HELOC rates remain steady between 2.000% and 25.000%, showing no change over the past 30 days. This wide range offers flexibility for borrowers seeking variable-rate access to home equity funds. Meanwhile, the fixed-rate Home Equity Loan holds firm at 7.240% APR, providing a consistent option for those prioritizing predictable monthly payments. Homeowners looking for adaptable credit lines may find the HELOC’s broad rate span attractive, while fixed-rate loans suit borrowers aiming for long-term stability. For more details, visit http://www.cfcu.org/loans/home-equity.
POINT BREEZE CREDIT UNION
As of May 1, 2026, POINT BREEZE’s HELOC rates remain steady at 2.490%, providing a consistently low-cost option for homeowners seeking flexible access to funds. Meanwhile, Home Equity Loan rates hold firm between 5.240% and 6.500%, offering fixed-rate stability for borrowers preferring predictable payments over terms. The unchanged rates over the past 30 days reflect a stable borrowing environment. Homeowners valuing flexibility may find the HELOC’s low rate attractive, while those prioritizing long-term planning might consider the fixed-rate Home Equity Loans for budget certainty. For more details, visit https://www.pbcu.com/resources/popular-requests/rates/loan-rates.
DIAMOND CREDIT UNION
As of May 1, 2026, DIAMOND’s HELOC rates remain steady between 2.990% and 6.500%, unchanged over the past 15 and 30 days. This stability offers homeowners a reliable option for flexible borrowing with competitive pricing. Homeowners seeking adaptable access to funds may find the HELOC’s variable rate range appealing, especially in a stable rate environment. While no fixed-rate home equity loans are listed currently, the consistent HELOC rates provide transparent terms for short- to medium-term financial needs. For more details, visit https://diamondcu.org/home/home-equity-loans/.
CREDIT UNION 1 CREDIT UNION
As of May 1, 2026, CREDIT UNION 1's HELOC rates remain steady between 2.990% and 6.750%, unchanged over the past 30 days, offering flexible borrowing options for homeowners needing variable access to funds. The fixed-rate Home Equity Loan holds firm at 7.000%, providing a predictable payment schedule for members seeking long-term stability. For borrowers prioritizing consistent monthly payments, the fixed-rate loan is an attractive choice; meanwhile, the HELOC suits those who prefer borrowing flexibility without rate increases this month. For more details, visit https://www.creditunion1.org/borrow/home-equity-loan/.
BAY FEDERAL CREDIT UNION
As of May 1, 2026, BAY's HELOC rates remain steady at 2.990% to 8.500% APR over the past 30 days, reflecting stable borrowing costs for flexible home equity access. This consistency offers predictability for homeowners seeking adjustable-rate credit lines without recent rate increases or decreases. HELOCs are ideal for borrowers needing ongoing access to funds with competitive variable rates. For more details, visit https://www.bayfed.com/loans-credit-cards/home-loans-heloc/heloc.
HORIZON CREDIT UNION
As of May 1, 2026, HORIZON’s HELOC rates remain steady at a range of 2.990% to 18.000% APR, unchanged over the past 30 days. This consistency offers reliable borrowing costs for homeowners seeking flexible access to funds through a Home Equity Line of Credit (HELOC). While no rate shifts occurred recently, HELOCs continue to provide an adaptable financing solution for varying needs, from home improvements to debt consolidation. For members prioritizing predictable payments, exploring fixed-rate options elsewhere may be beneficial. For more details, visit https://www.hzcu.org/loans-credit-cards/home-equity/momentum/.
LendMesh
You’ve invested in your home—now let your home invest in you. At LendMesh, we help you unlock your home equity with loan options that work for real life. Whether it's renovations, debt consolidation, or unexpected expenses, explore your options today: https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
If you’re considering tapping into your home equity now, start by assessing your financial goals clearly, whether it’s flexibility with a HELOC or the steady payments of a fixed-rate loan. Given that many credit unions like COMMUNITY FINANCIAL and POINT BREEZE are holding steady on their low rates, there’s no immediate rush to lock in if your project timeline allows some breathing room. However, don’t wait too long if you anticipate rising costs or need funds soon, as interest rates can shift unexpectedly. Before applying, check your credit score and gather necessary documents to streamline approval. Finally, always compare offers from multiple credit unions, not just on rates but also fees and repayment terms, to find the best fit for your budget and plans. With thoughtful preparation and timing, you can confidently leverage your home equity to support your next big step.