Introduction
If you’re a homeowner looking to finance home improvements, education costs, or consolidate debt, tapping into your home equity can be a smart move. As of May 8, 2026, the lowest rates available for HELOCs start as low as 2.00% at Community Financial Credit Union, offering flexible access to funds with variable rates that suit borrowers seeking ongoing financial flexibility. For those preferring fixed-rate loans, Point Breeze presents an attractive range starting at 5.24%, while Heritage’s fixed-rate home equity loans sit between 7.00% and 9.13%. Notably, Suffolk Credit Union’s HELOC rates have recently decreased from mid-May levels, now starting at 3.00%, which could be appealing if you’re looking for competitive variable options. Whether you want the convenience of borrowing as needed or the stability of fixed payments, today’s market offers choices tailored to different financial goals and risk preferences.
Home Equity Loans
Credit Union
Product
2026-05-08
(Current Day)
(Current Day)
2026-05-01
(7 Days Ago)
(7 Days Ago)
2026-04-23
(15 Days Ago)
(15 Days Ago)
2026-04-08
(30 Days Ago)
(30 Days Ago)
2026-03-24
(45 Days Ago)
(45 Days Ago)
2026-03-09
(60 Days Ago)
(60 Days Ago)
2026-02-07
(90 Days Ago)
(90 Days Ago)
2025-11-09
(180 Days Ago)
(180 Days Ago)
Home Equity
7.000 - 9.130
7.000 - 9.130
6.750 - 8.750▼ 25 bps
6.750 - 8.750▼ 25 bps
6.875 - 10.500▼ 12.5 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
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 - 4.990
2.990 - 8.500
2.990 - 8.500
2.990 - 8.500
2.990 - 8.500
2.990 - 8.500
5.990 - 9.000▲ 300 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
Heloc
3.000 - 18.000
5.440 - 8.740▲ 244 bps
5.440 - 8.740▲ 244 bps
5.440 - 8.740▲ 244 bps
5.440 - 8.740▲ 244 bps
5.440 - 8.740▲ 244 bps
5.740 - 18.000▲ 274 bps
Heloc
3.490 - 7.750
6.250 - 7.750▲ 276 bps
3.490 - 7.750
3.490 - 7.750
3.490 - 7.750
3.490 - 8.250
HERITAGE FEDERAL CREDIT UNION
HERITAGE’s Home Equity Loan rates remain steady this week, holding between 7.000% and 9.130% APR, consistent with last week’s figures. While no recent changes are observed, these rates offer a predictable borrowing cost for homeowners seeking fixed-rate options. For those needing flexible access to funds, considering a HELOC might be beneficial when available, though current data is not shown. Maintaining stable rates supports informed financial planning for home improvements or debt consolidation. 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 8, 2026, COMMUNITY FINANCIAL's HELOC rates remain steady between 2.000% and 25.000%, offering flexible borrowing options without recent changes. The Home Equity Loan rate holds firm at 7.240%, providing a consistent fixed-rate choice for long-term financing needs. Homeowners seeking adaptable credit access may find the HELOC appealing, while those preferring predictable payments could consider the fixed-rate home equity loan. Stability in both products supports informed decision-making in today’s market. For more details, visit http://www.cfcu.org/loans/home-equity.
POINT BREEZE CREDIT UNION
As of May 8, 2026, POINT BREEZE HELOC rates remain steady at 2.490%, unchanged over the past 30 days, offering a consistently low variable rate for flexible borrowing. Meanwhile, Home Equity Loan rates hold firm between 5.240% and 6.500%, providing fixed-rate options without fluctuation in recent weeks. Homeowners seeking predictable monthly payments may find the fixed-rate home equity loans appealing, while those needing flexible access to funds should consider the stable HELOC option. For detailed rate information, visit https://www.pbcu.com/resources/popular-requests/rates/loan-rates.
BAY FEDERAL CREDIT UNION
As of May 8, 2026, BAY’s HELOC rates remain steady, with a competitive range of 2.990% to 4.990% APR, significantly lower than the previous 7, 15, and 30 days when the top APR was 8.500%. This decline in the maximum APR offers borrowers more affordable access to flexible credit lines. HELOCs are ideal for homeowners seeking adaptable borrowing options with variable rates tied to market conditions. For those prioritizing manageable costs and flexibility, BAY’s current HELOC terms present a strong option. For more details, visit https://www.bayfed.com/loans-credit-cards/home-loans-heloc/heloc.
DIAMOND CREDIT UNION
As of May 8, 2026, DIAMOND’s HELOC rates remain steady at 2.990% to 6.500% APR, unchanged over the past 7 and 30 days. This stability offers homeowners a consistent borrowing option with flexible access to funds, ideal for those who prefer variable-rate financing tied to their equity needs. While no new fixed-rate home equity loans are listed currently, the reliable HELOC range provides competitive terms for short- to mid-term borrowing. For members seeking adaptable credit lines with transparent pricing, DIAMOND’s HELOC remains a strong choice. For more details, visit https://diamondcu.org/home/home-equity-loans/.
SUFFOLK FEDERAL CREDIT UNION
As of May 8, 2026, SUFFOLK’s HELOC rates have notably decreased, with current APRs ranging from 3.000% to 18.000%, down significantly from the 5.440% to 8.740% range seen over the past month. This substantial drop enhances affordability for borrowers seeking flexible home equity access. HELOCs remain an attractive option for homeowners requiring revolving credit with variable rates tailored to their needs. Monitoring these rates can help members optimize borrowing costs while maintaining financial flexibility. For more details, visit https://www.suffolkcu.org/home-loans/home-loans/home-equity-loc,
SALAL CREDIT UNION
As of May 8, 2026, SALAL’s home equity rates remain stable with the Other product range holding steady between 3.240% and 18.000% APR over the past week. While no recent changes are evident, this broad rate spectrum reflects flexibility for various borrower profiles. Homeowners seeking predictable payments might consider fixed-rate options if available elsewhere; meanwhile, flexible credit lines like HELOCs can suit those needing on-demand access to funds. For tailored lending solutions and current offers, visit https://www.salalcu.org/personal/borrow/.
EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION
As of May 8, 2026, EDUCATIONAL SYSTEMS’ HELOC rates range from 3.490% to 7.750% APR, showing a notable narrowing compared to last week’s 6.250% to 7.750%. Over the past 30 days, rates remain consistent at the lower end, indicating stable borrowing costs for flexible home equity access. This makes the HELOC product particularly attractive for homeowners seeking variable-rate options with potential cost savings. For those prioritizing adaptable credit lines over fixed terms, this rate environment offers competitive opportunities.
For more details, visit https://www.esfcu.org/rates/loans-and-credit-card-rates.
LendMesh
Need funds but don’t want to touch your savings? A home equity line of credit (HELOC) could be the solution. LendMesh connects you with lenders offering flexible borrowing and competitive rates. Start your search at https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
Before deciding to tap your home equity, consider your long-term plans and current financial situation carefully. If you need flexible access to funds over time or expect interest rates might drop further, a HELOC with a low starting rate like Community Financial’s 2.00% is worth exploring. Conversely, if predictable monthly payments are important to you, especially for budgeting renovation or education expenses, a fixed-rate loan from Point Breeze or Heritage could provide peace of mind despite slightly higher rates. Remember to review any fees and terms alongside interest rates and consult with your credit union to understand how recent rate changes may impact your borrowing costs. Taking action now can secure favorable terms before potential market shifts, but waiting might also pay off if you anticipate future rate drops, balance your urgency with caution for the best outcome.