Introduction
As of June 26, 2026, homeowners looking to unlock the potential of their home equity have some encouraging options. Whether you’re planning a renovation, funding education, or consolidating debt, today’s market offers a variety of competitive rates tailored to different needs. The standout deal is Rockland Credit Union’s HELOC at an impressively low 3.000%, ideal for borrowers seeking flexible access to funds with a variable rate. Meanwhile, other credit unions like Salal and Blaze provide a range of HELOC rates that can accommodate diverse financial situations, with Salal offering from 3.240% up to 18.000%, reflecting broader credit profiles. If you prefer fixed-rate security, Neighborhood’s home equity loans ranging from 4.540% to 5.540% present stable options with consistent pricing over the past month. For those watching weekly changes, rates have remained largely steady across most programs, signaling a stable borrowing environment today. This landscape benefits homeowners ready to act on leveraging their property value while keeping an eye on long-term affordability.
Home Equity Loans
| Lender | Product | 2026-06-26 Current | 2026-06-19 7 Days Ago | 2026-06-11 15 Days Ago | 2026-05-27 30 Days Ago | 2026-05-12 45 Days Ago | 2026-04-27 60 Days Ago | 2026-03-28 90 Days Ago | 2025-12-28 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| ROCKLAND FEDERAL CREDIT UNIONLOWEST | Heloc | 3.000% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SALAL CREDIT UNION | Heloc | 3.240 - 18.000% | 3.240 - 18.000% | N/A | N/A | 3.240 - 18.000% | N/A | N/A | 7.990% |
| BLAZE CREDIT UNION | Heloc | 3.990 - 4.990% | 3.990 - 4.990% | N/A | N/A | N/A | N/A | N/A | N/A |
| LISTERHILL CREDIT UNION | Heloc | 4.000% | 4.000% | N/A | N/A | N/A | N/A | 4.000% | 4.000% |
| AVADIAN CREDIT UNION | Heloc | 4.490 - 9.250% | 4.490 - 9.250% | N/A | N/A | N/A | N/A | N/A | N/A |
| MAX CREDIT UNION | Heloc | 4.500% | 4.500% | 4.500% | N/A | 4.500% | 4.500% | N/A | 4.500% |
| NEIGHBORHOOD CREDIT UNION | 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% | N/A | 4.540 - 5.540% |
| QUALSTAR CREDIT UNION | Home Equity | 4.740 - 5.240% | 4.740 - 5.240% | N/A | N/A | N/A | N/A | N/A | 5.240% |
| FINANCIAL CENTER FIRST CREDIT UNION | Home Equity | 4.750 - 6.000% | 4.750 - 6.000% | N/A | N/A | N/A | N/A | N/A | 6.250 - 6.500% |
| EAST TEXAS PROFESSIONAL CREDIT UNION | Home Equity | 4.750 - 7.000% | 4.750% | N/A | 4.750 - 7.000% | 4.750 - 7.000% | 4.750 - 7.000% | 4.750 - 7.000% | 5.250 - 7.000% |
| FINANCIAL CENTER FIRST CREDIT UNION | Heloc | 5.750% | 5.750% | N/A | N/A | N/A | 5.750% | 5.750% | 7.000% |
| BLAZE CREDIT UNION | 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% |
| QUALSTAR CREDIT UNION | Heloc | 6.250% | 6.250% | N/A | N/A | N/A | N/A | N/A | 7.000% |
| EAST TEXAS PROFESSIONAL CREDIT UNION | Heloc | 6.750 - 9.750% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
ROCKLAND FEDERAL CREDIT UNION
As of June 26, 2026, ROCKLAND Credit Union offers a HELOC at a competitive rate of 3.000%, with no prior data for comparison. This low rate provides an attractive option for homeowners seeking flexible borrowing solutions with easy access to funds. HELOCs are particularly suitable for those needing variable access to home equity without committing to fixed repayment terms. For borrowers prioritizing flexibility and cost-efficiency, ROCKLAND’s HELOC stands out as a practical choice. For more details, visit https://www.rfcu.com/resources/information/rates/#Equity_Rates_Anchor.
SALAL CREDIT UNION
As of June 26, 2026, SALAL’s HELOC rates remain steady at a range of 3.240% to 18.000%, unchanged from one week ago. This consistency provides predictable borrowing costs for members considering flexible home equity access. While no new fixed-rate home equity loan data is available, the current HELOC offering suits homeowners seeking variable-rate options with adjustable credit lines. For borrowers prioritizing flexibility and control over their credit use, SALAL’s stable HELOC terms are an attractive choice. For more details, visit https://www.salalcu.org/personal/borrow/.
BLAZE CREDIT UNION
As of June 26, 2026, BLAZE’s HELOC rates remain steady between 3.990% and 4.990%, unchanged over the past week, offering a competitive option for homeowners seeking flexible borrowing. The Home Equity Loan rates hold firm at 6.000% to 8.500%, maintaining consistent terms for fixed-rate borrowers. For those valuing predictable payments, the fixed-rate Home Equity Loan presents an attractive choice, while the HELOC suits members needing revolving credit access. Staying current with these stable rates can help optimize your borrowing strategy.
For more details, visit https://blazecu.com/personal/borrow/mortgage/rates#Home-Equity,
LISTERHILL CREDIT UNION
As of June 26, 2026, LISTERHILL’s HELOC rate remains steady at 4.000%, unchanged from one week ago. This consistent rate offers homeowners a reliable option for flexible borrowing without fluctuations. While no fixed-rate home equity loans are currently listed, the stable HELOC rate is an attractive choice for those seeking adaptable access to funds with predictable costs over time. Homeowners considering renovations or debt consolidation may find this product particularly useful due to its ongoing rate stability. For more details, visit https://listerhill.com/borrowing/loans/home.
AVADIAN CREDIT UNION
As of June 26, 2026, AVADIAN’s HELOC rates remain steady between 4.490% and 9.250%, unchanged from one week ago. This consistency provides predictable borrowing costs for homeowners seeking flexible credit access. HELOCs offer a practical solution for those needing adaptable financing options, such as home improvements or debt consolidation, with variable rates tailored to individual credit profiles. While no new rate shifts are evident this month, the current range remains competitive for borrowers prioritizing flexibility over fixed terms. For more details, visit https://www.avadiancu.com/rates.
MAX CREDIT UNION
As of June 26, 2026, MAX’s HELOC rate remains steady at 4.500%, showing no change over the past 15 days. This consistent rate provides predictability for homeowners seeking flexible borrowing options. While fixed-rate home equity loans are not listed this week, the stable HELOC at 4.500% offers an attractive solution for those needing ongoing access to funds without locking into a fixed term. For homeowners prioritizing flexibility and transparent pricing, MAX’s HELOC continues to be a reliable choice. For more details, visit https://www.mymax.com/save/personal-financial-rates.
NEIGHBORHOOD CREDIT UNION
As of June 26, 2026, NEIGHBORHOOD’s Home Equity Loan rates remain steady at 4.540% to 5.540% APR, unchanged over the past 30 days. This stability offers borrowers predictable financing costs, particularly attractive for those considering fixed-rate options. Home equity loans provide a reliable solution for homeowners seeking consistent monthly payments and longer-term planning. While no recent rate shifts occurred, locking in a competitive fixed rate now may benefit borrowers amid potential market fluctuations. For flexible borrowing needs, HELOCs typically offer variable access, though they are not currently featured here. For more details, visit https://www.myncu.com/borrow/home/home-equity-loans.
QUALSTAR CREDIT UNION
As of June 26, 2026, QUALSTAR's Home Equity Loan rates remain steady between 4.740% and 5.240%, unchanged from a week ago. The HELOC rate holds firm at 6.250% over the same period. These stable rates offer borrowers predictable fixed-rate options with the Home Equity Loan and flexible access through the HELOC product. Homeowners seeking long-term security may find the fixed-rate Home Equity Loan particularly attractive, while those needing revolving credit can benefit from the consistent HELOC pricing. For more details, visit https://www.qualstarcu.com/home-equity-loans.
FINANCIAL CENTER FIRST CREDIT UNION
As of June 26, 2026, FINANCIAL CENTER FIRST maintains stable rates for its home equity products. The Home Equity Loan offers a competitive range from 4.750% to 6.000%, unchanged over the past week, providing attractive fixed-rate options for borrowers seeking predictable payments. The HELOC rate remains steady at 5.750%, ideal for homeowners requiring flexible, revolving credit access without rate fluctuations. With no recent changes in rates, now is a practical time to evaluate your borrowing needs and consider locking in favorable terms. For more details, visit https://www.fcfcu.com/rates/home-rates.
EAST TEXAS PROFESSIONAL CREDIT UNION
As of June 26, 2026, EAST TEXAS PROFESSIONAL's Home Equity Loan rates remain stable, holding steady between 4.750% and 7.000% over the past 30 days. This consistency benefits borrowers seeking predictable long-term financing options. Meanwhile, the HELOC rates are currently between 6.750% and 9.750%, offering flexible access to funds without recent comparison data for trend analysis. For homeowners prioritizing fixed payments, the Home Equity Loan’s fixed rate range is an attractive choice. Those needing revolving credit with variable borrowing may find the HELOC option practical despite higher rates.
For more details, visit https://www.etpcu.org/mortgage-loan-rates,
LendMesh
Life doesn’t wait. If you need access to cash today, a home equity line of credit can offer flexibility for tomorrow. Explore flexible HELOC options from real lenders at https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
If you’re considering tapping into your home equity now, start by evaluating your financial goals and how soon you’ll need the funds. A HELOC like Rockland’s low 3.000% rate could be perfect for ongoing projects or fluctuating expenses due to its flexibility and affordability. However, if you prefer predictable monthly payments or are concerned about future interest rate shifts, exploring fixed-rate loans such as Neighborhood’s offerings may provide peace of mind. Before committing, compare rates carefully and factor in closing costs or fees associated with each option, these can impact overall savings more than small rate differences. Finally, given that rates have shown little movement recently, if your timeline is flexible and your credit profile strong, locking in a favorable rate now might protect you against any unexpected hikes down the road. Remember: home equity borrowing is a powerful tool when used wisely, ensure it aligns with your budget and long-term plans for maximum benefit.