Introduction
For homeowners looking to fund renovations, education, or consolidate debt, tapping into your home’s equity can be a smart financial move. As of June 5, 2026, the lowest home equity loan rate is a fixed 7.240% at Community Financial, while for flexible borrowing through HELOCs, Dupaco Community offers an exceptionally low starting rate of 1.990%. Whether you prefer the predictability of a fixed-rate loan or the flexibility of a line of credit, these competitive rates could open doors to your next project or financial goal. Borrowers aiming for lower initial payments might find HELOCs attractive today, especially with rates holding steady over the past month. Meanwhile, those seeking stability can consider fixed-rate loans that remain consistent across credit unions like Heritage and The Summit. Understanding these options helps you make informed choices tailored to your budget and timeline.
Home Equity Loans
Credit Union
Product
2026-06-05
(Current Day)
(Current Day)
2026-05-29
(7 Days Ago)
(7 Days Ago)
2026-05-21
(15 Days Ago)
(15 Days Ago)
2026-05-06
(30 Days Ago)
(30 Days Ago)
2026-04-21
(45 Days Ago)
(45 Days Ago)
2026-04-06
(60 Days Ago)
(60 Days Ago)
2026-03-07
(90 Days Ago)
(90 Days Ago)
2025-12-07
(180 Days Ago)
(180 Days Ago)
Home Equity
7.250 - 9.250
7.250 - 9.250
7.250 - 9.250
7.000 - 9.130▼ 25 bps
6.750 - 8.750▼ 50 bps
6.875 - 10.500▼ 37.5 bps
Heloc
1.990 - 21.000
1.990 - 21.000
1.990 - 10.750
1.990 - 21.000
6.500 - 21.000▲ 451 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
6.750 - 25.000▲ 475 bps
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
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 - 6.750
Heloc
2.990 - 8.500
2.990 - 8.500
2.990 - 8.500
2.990 - 4.990
2.990 - 8.500
2.990 - 8.500
2.990 - 8.500
5.990▲ 300 bps
Heloc
3.000 - 18.000
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
Home Equity
5.450 - 7.600
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
3.490 - 7.750
3.490 - 7.750
3.490 - 8.250
HERITAGE FEDERAL CREDIT UNION
As of June 5, 2026, HERITAGE's Home Equity Loan rates remain stable, holding steady between 7.250% and 9.250% APR over the past 30 days after a slight increase from 7.000% to 9.130% one month ago. This consistency benefits borrowers seeking predictable long-term fixed-rate financing. For homeowners requiring flexible credit access, HERITAGE currently does not list HELOC rates; however, the fixed-rate home equity option provides a clear path for those prioritizing rate stability and straightforward repayment terms. 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 June 5, 2026, DUPACO COMMUNITY’s HELOC rates remain steady at a range of 1.990% to 21.000% APR, unchanged from last week. This stable pricing provides homeowners with consistent access to flexible borrowing options. HELOCs are particularly beneficial for those seeking revolving credit with variable interest tied to market changes. While no fixed-rate home equity loans are currently listed, the wide rate range on HELOCs accommodates diverse credit profiles and borrowing needs. For more details, visit https://www.dupaco.com/personal/loans/home-equity-line-of-credit/.
COMMUNITY FINANCIAL CREDIT UNION
As of June 5, 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 seeking variable access to funds. Meanwhile, the fixed-rate Home Equity Loan holds firm at 7.240%, providing a consistent, predictable payment option for long-term financial planning. For those valuing stability, the fixed-rate loan stands out; for flexibility, the HELOC remains attractive. For more details, visit http://www.cfcu.org/loans/home-equity.
POINT BREEZE CREDIT UNION
As of June 5, 2026, POINT BREEZE’s HELOC rate remains steady at 2.490%, offering consistent, low-cost access to flexible funds. Meanwhile, Home Equity Loan rates hold firm between 5.240% and 6.500%, providing fixed-rate options for borrowers seeking predictable payments. The stability in both products over the past 30 days suggests a reliable borrowing environment. Homeowners valuing flexibility may find the HELOC’s low variable rate appealing, while those preferring long-term certainty can consider the fixed-rate home equity loans. For more details, visit https://www.pbcu.com/resources/popular-requests/rates/loan-rates.
DIAMOND CREDIT UNION
As of June 5, 2026, DIAMOND’s HELOC rates remain steady between 2.990% and 6.500% APR, consistent with levels seen over the past 30 days. This stability offers predictable borrowing costs for homeowners seeking flexible credit access. HELOCs provide adaptable funds ideal for ongoing expenses or home improvements without fixed repayment terms. While no rate changes occurred recently, DIAMOND’s competitive range supports diverse financial needs with transparent pricing. For members prioritizing flexibility over fixed payments, this HELOC option is worth consideration. For more details, visit https://diamondcu.org/home/home-equity-loans/.
BAY FEDERAL CREDIT UNION
As of June 5, 2026, BAY’s HELOC rates remain steady, with a range of 2.990% to 8.500% APR, consistent over the past 30 days except for a narrower low-end range a month ago. This stability offers predictable borrowing costs for homeowners seeking flexible credit access. HELOCs are well-suited for those needing adaptable funds for home improvements or debt consolidation without committing to fixed payments. For transparent, community-focused lending solutions on home equity lines, consider BAY’s offerings. For more details, visit https://www.bayfed.com/loans-credit-cards/home-loans-heloc/heloc.
SUFFOLK FEDERAL CREDIT UNION
As of June 5, 2026, SUFFOLK’s HELOC rates remain steady at 3.000% to 18.000%, showing no change over the past 30 days. This consistency offers borrowers predictable terms for flexible borrowing needs. Homeowners seeking adaptable access to funds may find the HELOC option particularly suitable given its variable rate structure and ongoing availability. For those prioritizing stability, monitoring any future shifts in these rates is advised. For more details, visit https://www.suffolkcu.org/home-loans/home-loans/home-equity-loc.
THE SUMMIT FEDERAL CREDIT UNION
As of June 5, 2026, THE SUMMIT’s HELOC rate remains steady at 3.450%, unchanged over the past week. This rate offers a competitive option for homeowners seeking flexible borrowing with variable access to funds. Meanwhile, Home Equity Loan rates hold firm between 5.450% and 7.600%, maintaining consistent terms over the last 30 days, ideal for those preferring fixed-rate stability. Borrowers valuing predictable payments may find the fixed-rate home equity loans attractive, while HELOCs suit those needing revolving credit lines. For more details, visit https://www.summitfcu.org/mortgage-home-equity/home-equity-lines-of-credit/.
EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION
As of June 5, 2026, EDUCATIONAL SYSTEMS’ HELOC rates remain stable, holding steady between 3.490% and 7.750% over the past 30 days. This consistent range offers predictable borrowing costs for homeowners seeking flexible access to funds. While no changes occurred recently, the broad rate spread accommodates various credit profiles and loan sizes. For borrowers prioritizing adaptability over fixed terms, these HELOCs provide a reliable option without rate volatility. For more details, visit https://www.esfcu.org/rates/loans-and-credit-card-rates.
LendMesh
You’ve built equity in your home—now make it work for your goals. Whether it’s funding a big purchase, handling emergency costs, or improving your space, LendMesh helps you find the right home equity loan. Start comparing offers at https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
If you’re considering tapping into your home equity now, focus on locking in the lowest possible rate that fits your financial plan, whether that’s a HELOC for ongoing access or a fixed-rate loan for lump-sum needs. Keep in mind that while some rates have remained stable recently, rates can shift quickly, so act promptly if you spot a deal that suits your goals. For those unsure about market timing or long-term plans, waiting to gather more information and improving credit scores may lead to better terms down the road. Remember, careful budgeting and understanding repayment terms are just as important as securing a low rate, ensure your home equity financing supports your financial health without stress. Consulting with your credit union’s loan officers can provide personalized guidance to match your unique situation and help you move forward confidently.