Introduction
For homeowners looking to make the most of their property’s value, accessing home equity can be a smart move, whether you’re planning renovations, funding education, or consolidating debt. As of May 15, 2026, the lowest rates available are through Community Financial’s HELOC program starting at an impressive 2.00%, making it an attractive option for borrowers seeking flexible, variable-rate financing. Point Breeze also offers competitive fixed-rate home equity loans as low as 5.24%, ideal for those who prefer predictable monthly payments. Notably, most credit unions have maintained steady rates over the past month, with Bay Credit Union’s HELOC range holding firm between 2.99% and 4.99%. If you value low initial costs and the ability to borrow as needed, these HELOC options could suit your financial goals today.
Home Equity Loans
Credit Union
Product
2026-05-15
(Current Day)
(Current Day)
2026-05-08
(7 Days Ago)
(7 Days Ago)
2026-04-30
(15 Days Ago)
(15 Days Ago)
2026-04-15
(30 Days Ago)
(30 Days Ago)
2026-03-31
(45 Days Ago)
(45 Days Ago)
2026-03-16
(60 Days Ago)
(60 Days Ago)
2026-02-14
(90 Days Ago)
(90 Days Ago)
2025-11-16
(180 Days Ago)
(180 Days Ago)
Home Equity
7.000 - 9.000
7.000 - 9.130
7.000 - 9.130
6.750 - 8.750▼ 25 bps
6.750 - 8.750▼ 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
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 - 4.990
2.990 - 4.990
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 - 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 - 6.750
Home Equity
5.610 - 6.590
5.600 - 5.690▼ 1 bps
5.480 - 6.590▼ 13 bps
5.330 - 6.590▼ 28 bps
5.360 - 6.590▼ 25 bps
Heloc
3.000 - 18.000
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
Heloc
3.490 - 7.750
3.490 - 7.750
3.490 - 7.750
3.490 - 7.750
3.490 - 7.750
3.490 - 7.750
3.490 - 8.250
Heloc
3.500 - 18.000
3.500 - 18.000
6.500 - 7.750▲ 300 bps
6.500 - 7.750▲ 300 bps
6.500 - 7.750▲ 300 bps
6.500 - 7.750▲ 300 bps
6.500 - 7.750▲ 300 bps
6.750 - 8.000▲ 325 bps
HERITAGE FEDERAL CREDIT UNION
As of May 15, 2026, HERITAGE Home Equity Loan rates remain steady between 7.000% and 9.000% APR, holding consistent over the past two weeks with a slight narrowing at the upper end from 9.130%. This stability benefits borrowers seeking predictable, fixed-rate financing for home improvements or debt consolidation. While no HELOC data is available currently, fixed-rate home equity loans offer reliable terms for those preferring set payments without rate fluctuations. Homeowners valuing flexibility might consider HELOCs when available. 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 15, 2026, COMMUNITY FINANCIAL’s HELOC rates remain steady between 2.000% and 25.000%, showing no movement over the past 30 days. This consistency provides a reliable option for homeowners seeking flexible borrowing with variable access to funds. Meanwhile, the fixed-rate Home Equity Loan holds firm at 7.240%, offering a stable long-term financing solution without recent fluctuations. For borrowers prioritizing predictable payments, this fixed rate remains attractive. Homeowners considering flexible cash flow may find the HELOC advantageous given its unchanged competitive range. For more details, visit http://www.cfcu.org/loans/home-equity.
POINT BREEZE CREDIT UNION
As of May 15, 2026, POINT BREEZE's HELOC rate remains steady at 2.490%, consistent over the past 30 days, offering reliable, flexible borrowing options for homeowners. The Home Equity Loan rates hold firm between 5.240% and 6.500%, providing fixed-rate solutions with predictable payments for longer-term planning. This stability supports borrowers seeking both short-term access through HELOCs and fixed-rate certainty via home equity loans. Homeowners valuing flexibility may find the HELOC’s consistent low rate particularly advantageous, while those preferring fixed payments can consider the broad rate range on home equity loans. For more details, visit https://www.pbcu.com/resources/popular-requests/rates/loan-rates.
BAY FEDERAL CREDIT UNION
As of May 15, 2026, BAY’s HELOC rates remain steady, ranging from 2.990% to 4.990% APR, consistent with last week’s figures. Notably, the top end of the rate range has improved significantly from 8.500% fifteen and thirty days ago, reflecting a more competitive offering for borrowers. HELOCs provide flexible credit access ideal for homeowners seeking variable borrowing options with manageable rates. Those considering home equity financing should evaluate this stabilized rate environment to secure cost-effective funds. For more details, visit https://www.bayfed.com/loans-credit-cards/home-loans-heloc/heloc.
DIAMOND CREDIT UNION
As of May 15, 2026, DIAMOND’s HELOC rates remain steady at 2.990% to 6.500% APR, unchanged over the past 30 days, providing consistent flexible borrowing options. Meanwhile, Home Equity Loan rates hold firm between 5.610% and 6.590% APR, showing minimal movement since last month. The fixed-rate home equity loans offer a stable choice for members seeking predictable payments over time. Homeowners needing adaptable access to funds may find the HELOC particularly advantageous due to its rate stability and variable terms. For more details, visit https://diamondcu.org/home/home-equity-loans/.
SUFFOLK FEDERAL CREDIT UNION
As of May 15, 2026, SUFFOLK’s HELOC rates remain steady at 3.000% to 18.000%, consistent with last week’s figures. Notably, these rates have decreased from the mid-May range of 5.440% to 8.740% seen 15 and 30 days ago, highlighting improved borrowing costs for flexible home equity access. HELOCs offer variable-rate flexibility ideal for homeowners seeking ongoing credit options rather than fixed-term loans. This stability in low starting rates may benefit borrowers planning short-term or revolving credit needs.
For more details, visit https://www.suffolkcu.org/home-loans/home-loans/home-equity-loc.
EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION
As of May 15, 2026, EDUCATIONAL SYSTEMS' HELOC rates remain steady at 3.490% to 7.750% APR, unchanged over the past 30 days. This stability offers predictable borrowing costs for members seeking flexible credit access. Homeowners considering ongoing or variable expenses may find these HELOC terms attractive due to their adaptability and competitive pricing. While no recent rate declines occurred, maintaining consistent rates helps borrowers plan effectively. For detailed loan options and current rates, visit https://www.esfcu.org/rates/loans-and-credit-card-rates.
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION
As of May 15, 2026, HELOC rates at CREDIT UNION OF COLORADO, A remain steady with a wide range from 3.500% to 18.000%, unchanged over the past week. Notably, this reflects a significant improvement from rates seen 15 and 30 days ago, which ranged between 6.500% and 7.750%. This stability at lower rates offers an attractive option for homeowners seeking flexible credit access without committing to fixed terms. For those needing adaptable borrowing solutions, the current HELOC terms provide competitive flexibility in today’s market. For more details, visit https://www.cuofco.org/mortgage-rates.
LendMesh
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Conclusion
If you’re considering tapping into your home equity now, focus on what fits your financial comfort zone, a HELOC might offer flexibility with lower initial rates, while a fixed-rate home equity loan provides stability over time. Keep in mind that rates have remained relatively steady recently, but it’s always wise to lock in a rate if you anticipate rising interest trends. Before applying, evaluate your repayment plan carefully and consider how long you’ll need access to funds. Speak with your credit union about current promotions or member benefits that might lower closing costs or fees. Finally, remember that your home equity is a valuable asset; use it thoughtfully to enhance your financial well-being without overextending yourself.