Introduction
If you’re considering tapping your home equity now, start by assessing your financial goals and risk tolerance carefully. A HELOC with historically low introductory rates like Dupaco Community’s can be ideal for projects with variable costs or if you want to borrow only what you need when you need it. However, if you crave certainty in budgeting your monthly payments, exploring fixed-rate loans from credit unions such as Diamond or The Summit may be wiser despite slightly higher rates. Remember to factor in closing costs and terms beyond just the interest rate before committing. If your renovation timeline or educational expenses are not immediate, monitoring these rates weekly could pay off, especially since we’ve seen notable shifts within just seven days. Ultimately, consulting a trusted financial advisor and comparing multiple offers ensures you choose the smartest path for your unique situation while maximizing your home’s potential as a financial resource.
Home Equity Loans
Credit Union
Product
2026-05-29
(Current Day)
(Current Day)
2026-05-22
(7 Days Ago)
(7 Days Ago)
2026-05-14
(15 Days Ago)
(15 Days Ago)
2026-04-29
(30 Days Ago)
(30 Days Ago)
2026-04-14
(45 Days Ago)
(45 Days Ago)
2026-03-30
(60 Days Ago)
(60 Days Ago)
2026-02-28
(90 Days Ago)
(90 Days Ago)
2025-11-30
(180 Days Ago)
(180 Days Ago)
Home Equity
7.250 - 9.250
7.250 - 9.250
7.000 - 9.000▼ 25 bps
7.000 - 9.130▼ 25 bps
6.750 - 8.750▼ 50 bps
6.750 - 8.750▼ 50 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 - 6.500
2.990 - 6.500
2.990 - 6.500
2.990 - 6.500
2.990 - 6.500
2.990 - 6.500
2.990
Home Equity
5.690 - 6.590
5.650 - 6.400▼ 4 bps
5.610 - 6.590▼ 8 bps
5.600 - 5.690▼ 9 bps
5.480 - 6.590▼ 21 bps
5.210 - 6.590▼ 48 bps
5.480 - 6.990▼ 21 bps
Heloc
2.990 - 8.500
2.990 - 8.500
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
3.000 - 18.000
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
Home Equity
5.450 - 7.600
5.450 - 7.600
5.450 - 7.600
5.450 - 7.600
5.850 - 7.600▲ 40 bps
5.850 - 7.600▲ 40 bps
Heloc
3.490 - 7.750
3.490 - 7.750
3.490 - 7.750
3.490 - 7.750
6.250 - 7.750▲ 276 bps
3.490 - 7.750
3.490 - 7.750
3.490 - 8.250
HERITAGE FEDERAL CREDIT UNION
As of May 29, 2026, HERITAGE’s Home Equity Loan rates remain stable at 7.250% to 9.250% APR, unchanged from last week but slightly higher than the low end of 7.000% seen 15 and 30 days ago. While no significant movement occurred recently, fixed-rate loans in this range offer predictability for homeowners seeking long-term financing solutions. For those needing flexible borrowing options, consider HELOCs (not listed here), which typically provide variable access to funds. Assess your financial goals carefully when choosing between fixed loans and lines of credit. For more details, visit https://www.heritagefederal.org/personal-banking/loans-and-credit-cards/loan-rates/home-equity-and-improvement-rates.
DUPACO COMMUNITY CREDIT UNION
As of May 29, 2026, DUPACO COMMUNITY’s HELOC rates range from 1.990% to 21.000% APR, reflecting a notable decrease in lower-tier rates compared to 7 days ago when they started at 6.250%. This significant drop highlights an attractive entry point for borrowers seeking flexible, variable-rate access to home equity. While the upper APR remains unchanged, the lower starting rate offers competitive affordability for short-term borrowing needs. Homeowners valuing liquidity and adjustable terms may find these HELOC options particularly suitable. For more details, visit https://www.dupaco.com/personal/loans/home-equity-line-of-credit/.
COMMUNITY FINANCIAL CREDIT UNION
As of May 29, 2026, COMMUNITY FINANCIAL’s HELOC rates remain steady in the range of 2.000% to 25.000%, providing flexible borrowing options without rate fluctuations over the past month. The fixed-rate Home Equity Loan holds firm at 7.240%, offering a consistent long-term solution for homeowners seeking predictable payments. For those needing revolving credit access, the HELOC’s stable pricing supports ongoing flexibility, while the fixed-rate loan is attractive for borrowers prioritizing payment certainty. Both products maintain consistent terms with no recent changes in APR or rates. For more details, visit http://www.cfcu.org/loans/home-equity.
DIAMOND CREDIT UNION
As of May 29, 2026, DIAMOND’s HELOC rates remain steady between 2.990% and 6.500%, consistent over the past 30 days, offering homeowners flexible borrowing options with competitive pricing. Meanwhile, Home Equity Loan rates have edged slightly higher, ranging from 5.690% to 6.590%, up modestly from 5.650% to 6.400% one week ago. Borrowers seeking predictability may find the fixed-rate Home Equity Loans attractive despite this minor increase. For those needing flexible access to funds, the stable HELOC rates present a reliable solution. For more details, visit https://diamondcu.org/home/home-equity-loans/.
BAY FEDERAL CREDIT UNION
As of May 29, 2026, BAY’s HELOC rates remain stable, with today's range steady at 2.990% to 8.500% APR, unchanged from one week and one month ago. Notably, the 15-day range shows a lower cap at 4.990%, suggesting some short-term variability in maximum APRs. For homeowners seeking flexible borrowing options, HELOCs offer access to revolving credit with competitive starting rates around 2.990%. This product suits those who prefer variable-rate financing for ongoing home improvements or debt consolidation. For more details, visit https://www.bayfed.com/loans-credit-cards/home-loans-heloc/heloc.
SUFFOLK FEDERAL CREDIT UNION
As of May 29, 2026, SUFFOLK’s HELOC rates remain stable at 3.000% to 18.000% APR, unchanged from one and two weeks ago. Compared to 30 days prior, the lower bound rate has improved significantly from 5.440%, offering more affordable access for borrowers. This consistent rate range provides flexibility for homeowners seeking revolving credit with competitive pricing. HELOCs are ideal for those needing ongoing access to funds with variable repayment options. For more details, visit https://www.suffolkcu.org/home-loans/home-loans/home-equity-loc,
THE SUMMIT FEDERAL CREDIT UNION
As of May 29, 2026, THE SUMMIT’s HELOC rate remains steady at 3.450%, consistent with the rate from 30 days ago, offering a competitive option for homeowners seeking flexible credit access. The Home Equity Loan rates hold firm between 5.450% and 7.600%, unchanged over the past 15 days, providing stable fixed-rate solutions for borrowers prioritizing predictable payments. For those considering long-term financing, the fixed-rate home equity loans present attractive terms with no recent volatility. HELOCs are well-suited for homeowners needing adaptable borrowing capacity, while fixed home equity loans offer security in rate stability. For more details, visit https://www.summitfcu.org/mortgage-home-equity/home-equity-lines-of-credit/.
EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION
As of May 29, 2026, EDUCATIONAL SYSTEMS’ HELOC rates remain steady between 3.490% and 7.750% over the past 30 days, indicating stable borrowing costs for members. This consistency provides predictability for homeowners seeking flexible credit options. HELOCs offer variable-rate access ideal for those needing ongoing funds without committing to fixed payments. Members valuing long-term rate certainty should monitor for future updates on fixed-rate home equity loans. For detailed rate information and lending options, visit https://www.esfcu.org/rates/loans-and-credit-card-rates.
LendMesh
You don’t need to be a financial expert to find a great loan. LendMesh helps you compare rates, terms, and lenders with confidence. Make equity work for your goals: https://www.lendmesh.com/loans/home_equity_loans .