Introduction
If you’re considering tapping into your home’s equity, start by evaluating what type of loan fits your financial goals, HELOCs for flexibility or fixed-rate loans for certainty. Keep an eye on credit unions like SALAL for low introductory HELOC rates or Neighborhood for affordable fixed-rate loans. Remember that even small differences in rates can add up over the life of your loan, so comparing offers is critical. If your project timeline is flexible and you expect interest rates to hold steady or drop, waiting a bit might yield better deals. However, if you have immediate needs such as urgent home repairs or consolidating high-interest debt, locking in a competitive rate now could save money long term. Be sure to review all terms carefully and consult with your credit union to find personalized advice tailored to your situation, your home equity is a powerful resource when used wisely.
Home Equity Loans
Credit Union
Product
2026-06-19
(Current Day)
(Current Day)
2026-06-12
(7 Days Ago)
(7 Days Ago)
2026-06-04
(15 Days Ago)
(15 Days Ago)
2026-05-20
(30 Days Ago)
(30 Days Ago)
2026-05-05
(45 Days Ago)
(45 Days Ago)
2026-04-20
(60 Days Ago)
(60 Days Ago)
2026-03-21
(90 Days Ago)
(90 Days Ago)
2025-12-21
(180 Days Ago)
(180 Days Ago)
Home Equity
6.000 - 8.500
6.000 - 8.500
6.000 - 8.500
6.000 - 8.500
6.000 - 8.500
6.000 - 8.500
6.000 - 8.500
6.000 - 8.500
Heloc
4.500 - 6.500
4.500 - 7.000
4.500 - 7.000
4.500 - 7.000
4.500 - 7.000
4.500 - 7.000
4.500 - 7.000
4.500 - 7.250
Home Equity
5.750 - 7.250
5.750
5.750
5.750
5.750
5.750
6.250▲ 50 bps
6.250▲ 50 bps
Home Equity
4.540 - 5.540
4.540 - 5.540
4.540 - 5.540
4.540 - 5.540
4.540 - 5.540
4.540 - 5.540
4.540 - 5.540
Home Equity
4.750
4.750 - 7.000
4.750 - 7.000
4.750 - 7.000
4.750 - 7.000
4.750 - 7.000
5.250 - 7.000▲ 50 bps
SALAL CREDIT UNION
As of June 19, 2026, SALAL’s HELOC rates start at a competitive 3.240% APR, offering flexible borrowing options for homeowners. Since no prior rate data is available, trend analysis isn’t possible; however, the wide range up to 18.000% reflects variable borrower profiles and credit factors. Homeowners seeking adaptable access to equity may find these HELOCs particularly useful for ongoing expenses or projects requiring fluctuating funds. For more details on SALAL’s lending solutions, visit https://www.salalcu.org/personal/borrow/.
BLAZE CREDIT UNION
As of June 19, 2026, BLAZE's HELOC rates range from 3.990% to 4.990%, with no prior data for comparison, indicating a stable introductory offering. The Home Equity Loan rates remain steady between 6.000% and 8.500% APR over the past 30 days, reflecting consistent fixed-rate options. For homeowners seeking flexible credit access, the HELOC provides competitive variable rates. Meanwhile, borrowers favoring predictable payments may find the fixed Home Equity Loans appealing for longer-term planning. For more details, visit https://blazecu.com/personal/borrow/mortgage/rates#Home-Equity.
LISTERHILL CREDIT UNION
As of June 19, 2026, LISTERHILL’s HELOC rate stands at 4.000%, with no prior data available for direct comparison. This competitive rate offers homeowners flexible borrowing options without fixed terms, ideal for those seeking adaptable access to home equity funds. While fixed-rate loans are not listed this period, the current HELOC rate remains an attractive solution for managing variable financial needs efficiently. For detailed information on available home equity products and terms, visit https://listerhill.com/borrowing/loans/home.
AVADIAN CREDIT UNION
AVADIAN’s HELOC rates currently range from 4.490% to 9.250%, reflecting the available flexibility for borrowers seeking variable-rate home equity access. Since no prior data is available for comparison, no trend analysis can be provided at this time. Home Equity Lines of Credit remain a practical choice for homeowners needing adaptable borrowing options with potentially lower initial rates compared to fixed loans. For those prioritizing flexible funds rather than fixed payments, AVADIAN’s HELOC offers competitive pricing within the current market environment. For more details, visit https://www.avadiancu.com/rates.
MAX CREDIT UNION
As of June 19, 2026, MAX’s HELOC rate remains steady at 4.500%, showing no change compared to last week. This stable rate offers homeowners flexible borrowing with predictable costs for short-term financing needs. While no new fixed-rate home equity loans are listed, the consistent HELOC rate provides a reliable option for those seeking accessible credit lines without long-term commitment. Homeowners interested in adaptable access to funds may find the HELOC at 4.500% particularly suitable. For more details, visit https://www.mymax.com/save/personal-financial-rates.
HUDSON VALLEY CREDIT UNION
HUDSON VALLEY’s HELOC rates remain stable, holding at a range of 4.500% to 6.500% over the past 30 days, with a slight narrowing at the upper end from 7.000%. Meanwhile, the Home Equity Loan rates continue steady between 5.750% and 7.250%, reflecting consistent pricing for fixed-rate options. Homeowners seeking predictable payments may find the fixed-rate Home Equity Loan attractive, while those valuing flexible borrowing should consider the HELOC’s variable structure. For tailored lending solutions that fit your needs, explore current offers at https://www.hvcu.org/personal/borrow/home-equity/.
NEIGHBORHOOD CREDIT UNION
NEIGHBORHOOD Credit Union’s Home Equity Loan rates remain steady, holding at a competitive 4.540% to 5.540% APR over the past 30 days. This consistency offers reliable borrowing costs for homeowners seeking fixed-rate financing. For those preferring predictable payments, the fixed-rate home equity loan is an attractive option. While no recent rate changes occurred, homeowners considering flexible borrowing might evaluate HELOC alternatives elsewhere, as NEIGHBORHOOD currently lists only fixed home equity loans. Transparent, stable rates provide clear budgeting advantages for community members exploring home equity solutions. For more details, visit https://www.myncu.com/borrow/home/home-equity-loans.
QUALSTAR CREDIT UNION
As of June 19, 2026, QUALSTAR's Home Equity Loan rates range from 4.740% to 5.240%, offering competitive fixed-rate options for borrowers seeking stability. The HELOC rate stands at 6.250%, providing flexible credit access without fixed payments. With no prior rate history available, current terms present straightforward choices: fixed-rate home equity loans suit those preferring predictable monthly payments, while the HELOC appeals to homeowners needing adaptable borrowing capacity. For members prioritizing long-term planning and transparent rates, QUALSTAR’s offerings remain solid and accessible. For more details, visit https://www.qualstarcu.com/home-equity-loans,
EAST TEXAS PROFESSIONAL CREDIT UNION
As of June 19, 2026, EAST TEXAS PROFESSIONAL’s Home Equity Loan rates remain steady at 4.750%, consistent with the range observed over the past 30 days. This stable rate environment provides an attractive opportunity for borrowers seeking predictable, fixed payments on home equity financing. Homeowners looking for flexible borrowing options might consider a HELOC, which typically offers variable access to funds, though specific current HELOC rates are not listed here. Maintaining a fixed-rate loan at 4.750% is advantageous for those prioritizing long-term budget certainty. For more details, visit https://www.etpcu.org/mortgage-loan-rates,
FINANCIAL CENTER FIRST CREDIT UNION
As of June 19, 2026, FINANCIAL CENTER FIRST offers competitive home equity financing with a Home Equity Loan rate range of 4.750% to 6.000%, providing borrowers fixed-rate stability. The HELOC rate is currently 5.750%, ideal for homeowners seeking flexible, revolving credit access. With no prior rate data available, these offerings stand as clear options for those prioritizing either fixed payments or borrowing versatility. For tailored lending solutions and updated rates, visit https://www.fcfcu.com/rates/home-rates.
LendMesh
Your financial goals are unique—and so is your home equity. Whether you're looking for a one-time loan or revolving credit, LendMesh lets you find the right match with ease. Compare at https://www.lendmesh.com/loans/home_equity_loans and move forward with confidence.