Introduction
For homeowners weighing options to finance renovations, education, or consolidate debt, tapping into your home’s equity can be a smart move. As of July 3, 2026, SALAL Credit Union offers the lowest starting rate for a HELOC at an impressive 3.24%, making it an attractive choice for borrowers seeking flexible access to funds with variable interest. If you prefer a fixed-rate loan, Neighborhood Credit Union presents competitive rates starting at 4.54% for home equity loans, providing predictable monthly payments ideal for budgeting. Whether you’re looking for short-term borrowing flexibility or stable repayment plans, today’s rates offer opportunities across several credit unions without any significant week-over-week changes, meaning you can confidently explore your options knowing rates have remained steady. Borrowers with strong credit and clear renovation or payoff goals stand to benefit most from these current offers.
Home Equity Loans
| Lender | Product | 2026-07-03 Current | 2026-06-26 7 Days Ago | 2026-06-18 15 Days Ago | 2026-06-03 30 Days Ago | 2026-05-19 45 Days Ago | 2026-05-04 60 Days Ago | 2026-04-04 90 Days Ago | 2026-01-04 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| SALAL CREDIT UNIONLOWEST | Heloc | 3.240 - 18.000% | 3.240 - 18.000% | 3.240 - 18.000% | N/A | N/A | N/A | N/A | N/A |
| BLAZE CREDIT UNION | Heloc | 3.990 - 4.990% | 3.990 - 4.990% | 3.990 - 4.990% | N/A | N/A | N/A | N/A | N/A |
| LISTERHILL CREDIT UNION | Heloc | 4.000% | 4.000% | 4.000% | N/A | N/A | N/A | 4.000% | 4.000% |
| PEACH STATE FEDERAL CREDIT UNION | Heloc | 4.000 - 18.000% | 4.000 - 18.000% | 4.000 - 18.000% | N/A | N/A | N/A | N/A | N/A |
| AVADIAN CREDIT UNION | Heloc | 4.490 - 9.250% | 4.490 - 9.250% | 4.490 - 9.250% | N/A | N/A | N/A | N/A | 4.490 - 7.250% |
| MAX CREDIT UNION | Heloc | 4.500% | 4.500% | 4.500% | N/A | N/A | 4.500% | 4.500% | 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% | 4.540 - 5.540% | 4.540 - 5.540% |
| QUALSTAR CREDIT UNION | Home Equity | 4.740% | 4.740 - 5.240% | 4.740 - 5.240% | N/A | N/A | N/A | N/A | N/A |
| FINANCIAL CENTER FIRST CREDIT UNION | Home Equity | 4.750 - 6.000% | 4.750 - 6.000% | 4.750 - 6.000% | N/A | N/A | N/A | N/A | 5.250 - 6.500% |
| EAST TEXAS PROFESSIONAL CREDIT UNION | Home Equity | 4.750 - 7.000% | 4.750 - 7.000% | 4.750% | 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% | 5.750% | 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% |
| PEACH STATE FEDERAL CREDIT UNION | Home Equity | 6.250 - 7.250% | 6.250 - 7.250% | N/A | N/A | N/A | N/A | N/A | 6.250 - 7.250% |
| QUALSTAR CREDIT UNION | Heloc | 6.250% | 6.250% | 6.250% | N/A | N/A | N/A | N/A | N/A |
| EAST TEXAS PROFESSIONAL CREDIT UNION | Heloc | 6.750 - 9.750% | 6.750 - 9.750% | N/A | N/A | N/A | N/A | N/A | N/A |
| AVADIAN CREDIT UNION | Home Equity | 7.250 - 8.250% | N/A | N/A | N/A | N/A | N/A | N/A | 7.250 - 8.250% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
SALAL CREDIT UNION
As of July 3, 2026, SALAL’s HELOC rates remain steady at 3.240% to 18.000% APR, unchanged from the past two weeks. This consistency offers predictable borrowing costs for homeowners seeking flexible credit access. While no rate shifts occurred recently, the broad APR range accommodates various credit profiles and borrowing needs. HELOCs are well-suited for those requiring ongoing liquidity or project-based funding with variable rates tied to market conditions. For borrowers prioritizing stability, consider SALAL’s fixed-rate options available elsewhere. For more details, visit https://www.salalcu.org/personal/borrow/.
BLAZE CREDIT UNION
As of July 3, 2026, BLAZE's HELOC rates remain steady between 3.990% and 4.990%, showing no change over the past 15 days. This stability provides predictable costs for homeowners seeking flexible borrowing options. Meanwhile, Home Equity Loan rates hold firm from 6.000% to 8.500% APR, offering a consistent fixed-rate choice for borrowers who prefer long-term payment certainty. For those needing adaptable access to funds, the HELOC is an attractive option; conversely, fixed-rate home equity loans suit those prioritizing stable monthly payments. For more details, visit https://blazecu.com/personal/borrow/mortgage/rates#Home-Equity,
LISTERHILL CREDIT UNION
As of July 3, 2026, LISTERHILL's HELOC rate remains steady at 4.000%, unchanged over the past 15 days. This consistency provides reliable terms for homeowners seeking flexible borrowing options. HELOCs offer adaptable access to funds without fixed repayment schedules, making them suitable for ongoing home improvement projects or emergency expenses. While fixed-rate loans are not listed this period, the stable HELOC rate ensures predictable costs for variable-rate borrowing. For those valuing flexibility and competitive pricing, LISTERHILL’s current HELOC is a solid choice. For more details, visit https://listerhill.com/borrowing/loans/home.
PEACH STATE FEDERAL CREDIT UNION
As of July 3, 2026, PEACH STATE's HELOC rates remain stable at 4.000% to 18.000% APR, consistent over the past 15 days, offering flexible borrowing for homeowners seeking variable access to funds. Meanwhile, the Home Equity Loan fixed rates hold steady between 6.250% and 7.250% APR, providing an attractive option for those preferring predictable payments on longer terms. Stability in both products suggests a reliable borrowing environment without recent rate volatility. Homeowners looking for flexibility may consider the HELOC, while fixed-rate loans suit borrowers prioritizing consistent monthly costs. For more details, visit https://www.peachstatefcu.org/home-equity-line-of-credit-heloc.
AVADIAN CREDIT UNION
AVADIAN’s HELOC rates remain steady between 4.490% and 9.250% over the past 15 days, offering consistent flexibility for homeowners seeking revolving credit options. The Home Equity Loan fixed rates start at a competitive 7.250% up to 8.250%, providing a stable borrowing cost for those preferring predictable payments. For borrowers valuing long-term fixed rates, AVADIAN’s home equity loans present an attractive solution. Meanwhile, HELOCs appeal to members needing adaptable access to funds without rate changes in the recent month. For more details, visit https://www.avadiancu.com/rates.
MAX CREDIT UNION
As of July 3, 2026, MAX’s HELOC rate remains steady at 4.500%, unchanged from one and two weeks ago. This consistent rate offers predictable borrowing costs for homeowners seeking flexible access to equity without fixed repayment terms. While no recent rate shifts are noted, the stability of this HELOC makes it a reliable option for managing home improvement expenses or consolidating debt. For borrowers prioritizing flexibility over fixed payments, MAX’s HELOC at 4.500% provides a competitive solution in today’s market. For more details, visit https://www.mymax.com/save/personal-financial-rates.
NEIGHBORHOOD CREDIT UNION
As of July 3, 2026, NEIGHBORHOOD Credit Union’s Home Equity Loan rates remain steady, holding between 4.540% and 5.540% over the past 30 days. This consistent rate environment offers borrowers predictable terms for fixed-rate home equity loans. For homeowners seeking stable payments without rate fluctuations, these fixed-rate loans provide an attractive option. While no recent changes occurred, those looking for flexible borrowing might consider HELOCs if available elsewhere, though NEIGHBORHOOD currently lists only fixed home equity loans. For more details, visit https://www.myncu.com/borrow/home/home-equity-loans.
QUALSTAR CREDIT UNION
As of July 3, 2026, QUALSTAR's Home Equity Loan rate remains steady at 4.740%, maintaining its competitive fixed rate over the past 15 days. This consistency benefits borrowers seeking predictable long-term payments. Meanwhile, the HELOC rate holds firm at 6.250%, offering flexible access to funds without recent fluctuations. Homeowners prioritizing stable monthly costs may find the fixed-rate home equity loan attractive, while those needing ongoing borrowing options should consider the HELOC for its convenience. For more details, visit https://www.qualstarcu.com/home-equity-loans.
FINANCIAL CENTER FIRST CREDIT UNION
As of July 3, 2026, FINANCIAL CENTER FIRST maintains stable home equity loan rates ranging from 4.750% to 6.000%, unchanged over the past 30 days. Their HELOC rate remains steady at 5.750%, offering consistent access to flexible credit without recent fluctuations. Homeowners seeking predictable payments may find the fixed-rate Home Equity Loan attractive for long-term planning, while those needing adaptable borrowing options should consider the HELOC. For current terms and detailed rate information, visit https://www.fcfcu.com/rates/home-rates.
EAST TEXAS PROFESSIONAL CREDIT UNION
As of July 3, 2026, EAST TEXAS PROFESSIONAL maintains steady Home Equity Loan rates between 4.750% and 7.000%, consistent over the past month. This stability offers a reliable option for borrowers seeking fixed-rate financing. Meanwhile, HELOC rates remain unchanged at 6.750% to 9.750% over the last week, providing flexible borrowing terms ideal for homeowners needing adaptable credit access. The absence of rate fluctuations suggests a stable lending environment, making it an opportune time to consider long-term fixed loans or lines of credit based on your financial needs. For more details, visit https://www.etpcu.org/mortgage-loan-rates.
LendMesh
Your home’s value is growing—why not put it to work? With LendMesh, you can explore flexible home equity loan and HELOC options from trusted lenders. Compare real offers, make smart decisions, and start your next chapter at https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
If you’re ready to leverage your home equity, start by comparing both HELOCs and fixed-rate loans carefully, considering how each fits your financial goals and timeline. HELOCs are excellent for ongoing expenses or projects needing flexibility, especially with SALAL’s standout low rate of 3.24%. However, if stability matters more and you prefer consistent payments, fixed-rate loans from Neighborhood or Qualstar might be better suited, even though their rates are slightly higher. Remember to factor in closing costs and potential fees, as well as your credit score’s impact on the final rate offered. If you’re not in immediate need of funds, keeping an eye on market trends over the coming weeks can pay off, but with current rates holding steady, now is a solid time to act if your project is ready. Above all, consult with your credit union lender to tailor your borrowing strategy and maximize the value of your home equity safely and wisely.