Introduction
For homeowners looking to unlock the potential of their property, today’s home equity rates as of June 12, 2026, offer some compelling opportunities. Whether you’re planning a home renovation, funding education, or consolidating debt, choosing the right product can make a significant financial difference. DUPACO COMMUNITY Credit Union stands out with the lowest HELOC rate starting at an impressive 1.990%, making it an excellent option for those who prefer flexible borrowing with variable rates. Meanwhile, fixed-rate home equity loans remain steady, with Heritage Credit Union offering rates between 7.250% and 9.250%. For borrowers seeking predictability, The Summit’s fixed-rate loans range from 5.450% to 7.600%, presenting competitive choices for various credit profiles. Notably, most rates have held steady over the past month, giving you confidence in current market stability. If you value low introductory rates or need access to funds on your terms, today’s offerings could align well with your financial goals.
Home Equity Loans
Credit Union
Product
2026-06-12
(Current Day)
(Current Day)
2026-06-05
(7 Days Ago)
(7 Days Ago)
2026-05-28
(15 Days Ago)
(15 Days Ago)
2026-05-13
(30 Days Ago)
(30 Days Ago)
2026-04-28
(45 Days Ago)
(45 Days Ago)
2026-04-13
(60 Days Ago)
(60 Days Ago)
2026-03-14
(90 Days Ago)
(90 Days Ago)
2025-12-14
(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
7.000 - 9.130▼ 25 bps
6.750 - 7.750▼ 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
6.750 - 25.000▲ 475 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 - 6.750
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
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
6.250 - 7.750▲ 276 bps
3.490 - 7.750
3.490 - 8.250
Heloc
3.500 - 18.000
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
HERITAGE FEDERAL CREDIT UNION
HERITAGE’s Home Equity Loan rates remain steady at 7.250% to 9.250% APR over the past 15 days, showing stability for borrowers seeking fixed-rate financing. Compared to 30 days ago, the low end increased slightly from 7.000%, indicating a modest upward adjustment in available rates. These loans offer predictable payments ideal for homeowners planning long-term projects or debt consolidation. While no HELOC rates are currently listed, fixed-rate home equity loans continue to provide reliable borrowing costs in today’s market environment. 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 12, 2026, DUPACO COMMUNITY’s HELOC rates remain stable, holding steady between 1.990% and 21.000% APR over the past 30 days. This consistent rate range provides predictable borrowing costs for members seeking flexible credit options. Homeowners interested in adaptable financing may find the HELOC product attractive for managing expenses or home improvements without fixed repayment terms. While no changes have occurred recently, monitoring rates is advisable as market conditions evolve. For more details, visit https://www.dupaco.com/personal/loans/home-equity-line-of-credit/.
COMMUNITY FINANCIAL CREDIT UNION
As of June 12, 2026, COMMUNITY FINANCIAL’s HELOC rates remain steady between 2.000% and 25.000%, reflecting consistent pricing over the past 30 days. The fixed-rate Home Equity Loan holds firm at 7.240%, offering a stable borrowing option without recent fluctuations. Homeowners seeking flexible access to funds may find the HELOC’s variable range advantageous, while those prioritizing predictability should consider the fixed-rate loan. Both products maintain consistent terms, providing clarity for financial planning. For more details, visit http://www.cfcu.org/loans/home-equity.
DIAMOND CREDIT UNION
As of June 12, 2026, DIAMOND’s HELOC rates remain stable, holding steady at a range of 2.990% to 6.500% over the past 30 days. This consistency offers predictability for borrowers seeking flexible access to home equity funds without rate fluctuations. While no rate changes have occurred recently, the broad rate spread allows members to find terms suited to their credit profile and borrowing needs. Homeowners valuing flexibility may find the HELOC product particularly appealing due to its ongoing competitive pricing and accessible terms. For more details, visit https://diamondcu.org/home/home-equity-loans/.
BAY FEDERAL CREDIT UNION
As of June 12, 2026, BAY’s HELOC rates remain steady, ranging from 2.990% to 8.500% APR, consistent with rates from 7 and 15 days ago. Notably, the upper APR has increased from 4.990% thirty days ago, indicating a wider rate spread in recent weeks. For homeowners seeking flexible borrowing options, BAY’s HELOC provides access to competitive variable rates suitable for ongoing or unexpected expenses. Those considering home equity financing should evaluate their need for rate stability versus flexibility when choosing products. For more details, visit https://www.bayfed.com/loans-credit-cards/home-loans-heloc/heloc.
THE SUMMIT FEDERAL CREDIT UNION
As of June 12, 2026, THE SUMMIT’s HELOC rate remains steady at 3.450%, unchanged over the past 15 days, offering consistent access for flexible borrowing. Meanwhile, Home Equity Loan rates hold firm between 5.450% and 7.600%, providing stable fixed-rate options for borrowers seeking long-term predictability. Homeowners looking for adaptable credit lines may find the HELOC’s stable low rate particularly advantageous, while those preferring fixed payments can consider the broad range of home equity loans. For more details, visit https://www.summitfcu.org/mortgage-home-equity/home-equity-lines-of-credit/.
EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION
As of June 12, 2026, EDUCATIONAL SYSTEMS’ HELOC rates remain steady, holding between 3.490% and 7.750% over the past 30 days with no fluctuations. This consistency provides a reliable option for homeowners seeking flexible borrowing solutions. HELOCs are well-suited for those needing revolving credit access without fixed repayment terms, allowing funds to be drawn as needed. While no rate changes occurred recently, members should monitor for potential market shifts. For detailed terms and current rates, visit https://www.esfcu.org/rates/loans-and-credit-card-rates.
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION
As of June 12, 2026, HELOC rates at CREDIT UNION OF COLORADO, A remain steady at a range of 3.500% to 18.000% APR, showing no change over the past 30 days. This consistent rate band provides clear predictability for borrowers seeking flexible financing options. Homeowners looking for adaptable credit access may find these HELOC terms attractive for managing expenses or home improvements without fixed repayment schedules. Monitoring this stability can help members plan borrowing with confidence amid fluctuating market conditions. For more details, visit https://www.cuofco.org/mortgage-rates.
LendMesh
College tuition? Medical bills? Major upgrades? A home equity loan could be the key to handling life’s big expenses. At LendMesh, we help you find rates and terms that make sense. Start comparing lenders at https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re considering tapping into your home equity now, focus on locking in the lowest possible rate that fits your borrowing style, whether that’s a variable-rate HELOC like DUPACO COMMUNITY’s standout 1.990% or a fixed-rate loan from The Summit for more payment certainty. Before proceeding, assess your timeline and financial needs carefully: if your renovation or education expenses are immediate and predictable, a fixed-rate loan may provide peace of mind against future rate increases. On the other hand, if flexibility matters most and you anticipate paying down quickly, a HELOC could be advantageous. Don’t rush, compare terms closely and consider consulting with your credit union representative to understand fees and repayment options fully. Remember, your home equity is a valuable resource; using it wisely today can set the foundation for financial confidence tomorrow.