Introduction
If you’re a homeowner thinking about financing home renovations, education costs, or consolidating debt, tapping into your home equity can be a smart move. As of May 22, 2026, Community Financial is offering an exceptionally low HELOC rate starting at just 2.00%, making it one of the most attractive options for borrowers seeking flexible access to funds. For those who prefer the predictability of fixed-rate loans, Heritage and American 1 credit unions provide competitive home equity loan rates ranging roughly from 7.25% to 9.25%, with Heritage’s rates showing a slight uptick compared to last week. If you need a mix of flexibility and stability, exploring both HELOCs and fixed-rate loans today could help you find the best fit for your financial goals. Whether you’re planning a major remodel or looking for lower-cost borrowing options, these credit union rates highlight opportunities worth considering right now.
Home Equity Loans
Credit Union
Product
2026-05-22
(Current Day)
(Current Day)
2026-05-15
(7 Days Ago)
(7 Days Ago)
2026-05-07
(15 Days Ago)
(15 Days Ago)
2026-04-22
(30 Days Ago)
(30 Days Ago)
2026-04-07
(45 Days Ago)
(45 Days Ago)
2026-03-23
(60 Days Ago)
(60 Days Ago)
2026-02-21
(90 Days Ago)
(90 Days Ago)
2025-11-23
(180 Days Ago)
(180 Days Ago)
Home Equity
7.250 - 9.250
7.000 - 9.000▼ 25 bps
7.000 - 9.130▼ 25 bps
6.750 - 8.750▼ 50 bps
6.625 - 10.500▼ 62.5 bps
6.875 - 10.500▼ 37.5 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 - 8.500
2.990 - 4.990
2.990 - 4.990
2.990 - 8.500
2.990 - 8.500
2.990 - 8.500
5.740▲ 275 bps
5.990 - 9.000▲ 300 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
Home Equity
7.500 - 8.000
7.500 - 8.000
7.500 - 8.000
7.500 - 8.000
7.500 - 8.000
7.500 - 8.000
7.500 - 8.000
7.500 - 8.000
Heloc
3.500 - 18.000
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
6.750 - 8.000▲ 325 bps
Heloc
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
Home Equity
6.750 - 13.380
6.750 - 13.380
6.630 - 13.250▼ 12 bps
6.630 - 13.250▼ 12 bps
6.500 - 13.130▼ 25 bps
6.500 - 13.130▼ 25 bps
6.500 - 13.130▼ 25 bps
6.750 - 13.380
HERITAGE FEDERAL CREDIT UNION
HERITAGE’s Home Equity Loan rates have risen slightly from a range of 7.000% - 9.000% a week ago to 7.250% - 9.250% today, reflecting modest upward pressure over the past 7 to 15 days. While this indicates some rate movement, fixed-rate home equity loans remain attractive for borrowers seeking stable payments and long-term predictability. Homeowners looking for flexible borrowing options should consider HELOCs, though current data is not available for these products at HERITAGE. For transparent and competitive home equity financing, review current terms carefully. 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 22, 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 suitable for homeowners needing variable access to funds. Meanwhile, the fixed-rate Home Equity Loan holds firm at 7.240% APR, providing a consistent payment structure without rate fluctuations. Borrowers seeking predictable long-term financing may find this option attractive. For homeowners prioritizing flexibility, the HELOC’s stable rates support ongoing access to equity with no recent increases or decreases. For more details, visit http://www.cfcu.org/loans/home-equity.
BAY FEDERAL CREDIT UNION
As of May 22, 2026, BAY’s HELOC rates remain steady at 2.990% to 8.500%, with the upper end widening compared to a narrower 2.990% to 4.990% range over the past 15 days. This suggests increased rate variability for flexible borrowing options. Homeowners seeking adaptable access to funds may find HELOCs appealing due to this flexibility in pricing. Monitoring these fluctuations can help borrowers time their decisions effectively. For more details, visit https://www.bayfed.com/loans-credit-cards/home-loans-heloc/heloc.
EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION
As of May 22, 2026, EDUCATIONAL SYSTEMS’ HELOC rates remain steady between 3.490% and 7.750% over the past 30 days, reflecting stable borrowing costs for flexible home equity access. This consistency benefits homeowners seeking adaptable financing without rate volatility. While no fixed-rate home equity loans are currently listed, the available HELOC offers a competitive range suitable for varied credit profiles and needs. Homeowners considering ongoing or intermittent expenses may find these terms particularly practical. For detailed current rates and terms, visit https://www.esfcu.org/rates/loans-and-credit-card-rates.
AMERICAN 1 CREDIT UNION
As of May 22, 2026, AMERICAN 1’s Home Equity Loan rates remain steady at 7.500% to 8.000% APR, unchanged over the past 30 days. This stability offers predictability for borrowers seeking fixed-rate options. Home Equity Loans continue to be an attractive choice for homeowners desiring consistent monthly payments and long-term financing certainty. For those needing flexible borrowing, consider that HELOC products are not currently listed but may provide variable access to funds. Staying informed on rate trends can help you time your application effectively. For more details, visit https://www.american1cu.org/loan-rates.
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION
As of May 22, 2026, HELOC rates at CREDIT UNION OF COLORADO, A remain steady, ranging from 3.500% to 18.000% APR, unchanged over the past 15 days. This consistency follows a notable drop from the previous 30-day range of 6.500% to 7.750% APR. The broad rate span reflects flexible lending criteria accommodating various credit profiles. HELOCs continue to offer valuable flexibility for homeowners seeking access to revolving credit with competitive starting rates. For detailed options and eligibility, visit https://www.cuofco.org/mortgage-rates.
GESA CREDIT UNION
As of May 22, 2026, GESA's HELOC rates remain steady at 3.950% to 18.000%, offering consistent flexibility for homeowners seeking revolving credit. Meanwhile, Home Equity Loan rates hold firm between 6.750% and 13.380%, with a slight uptick from mid-May levels but stable compared to a month ago. The fixed-rate home equity loans provide attractive options for borrowers prioritizing predictable payments over the loan term. For those needing adaptable borrowing power, the unchanged HELOC rates continue to be an appealing choice. For more details, visit https://www.gesa.com/contents/home-equity-loan/#home-equity-notes:~:text=Rates%20as%20low%20as%206.88%25%20%E2%80%93%2013.88%25,
LendMesh
Need access to funds without selling your home? A home equity loan or HELOC could be the answer. With LendMesh, you get transparent comparisons and support every step of the way. Explore now: https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
Before deciding to tap into your home equity, it’s essential to evaluate your financial needs and timeline carefully. If you need ongoing access to funds with variable interest rates, a HELOC, like the one from Community Financial at 2.00%, might be ideal. However, if you prefer predictable monthly payments and fixed rates, consider a home equity loan from credit unions like American 1 or Heritage. Keep an eye on rate trends: while some have remained steady this month, others like Heritage show signs of rising costs, so locking in a rate sooner rather than later could save money over time. Most importantly, borrow only what you need and ensure your budget comfortably covers repayments to protect your home investment. Consulting with your credit union’s loan officer can provide personalized insights and help you choose the best product tailored to your unique situation.