Introduction
For homeowners looking to unlock the potential of their property, today’s home equity loan and HELOC rates offer promising options. As of July 10, 2026, SALAL Credit Union leads with an exceptionally low HELOC starting at just 3.24%, making it an attractive choice for those planning renovations, education expenses, or debt consolidation. Whether you prefer the flexibility of a HELOC or the predictability of a fixed-rate home equity loan, there are competitive rates available across several credit unions to fit different financial goals. Borrowers seeking stability might consider Neighborhood Credit Union’s fixed-rate home equity loans starting at 4.54%, while those who want variable access to funds can explore Blaze or Listerhill’s HELOC programs with steady rates under 5%. With rates holding steady over the past month and no significant increases reported, now is a great time for homeowners who have equity built up and are ready to put it to work wisely.
Home Equity Loans
| Lender | Product | 2026-07-10 Current | 2026-07-03 7 Days Ago | 2026-06-25 15 Days Ago | 2026-06-10 30 Days Ago | 2026-05-26 45 Days Ago | 2026-05-11 60 Days Ago | 2026-04-11 90 Days Ago | 2026-01-11 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| SALAL CREDIT UNIONLOWEST | Heloc | 3.240 - 18.000% | 3.240 - 18.000% | 3.240 - 18.000% | N/A | N/A | 3.240 - 18.000% | N/A | N/A |
| BLAZE CREDIT UNION | Heloc | 3.990 - 4.990% | 3.990 - 4.990% | 3.990 - 4.990% | N/A | 3.990 - 4.990% | 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 | 4.000 - 18.000% |
| AVADIAN CREDIT UNION | Heloc | 4.490 - 9.250% | 4.490 - 9.250% | 4.490 - 9.250% | N/A | N/A | N/A | N/A | N/A |
| MAX CREDIT UNION | Heloc | 4.500% | 4.500% | 4.500% | 4.500% | N/A | 4.500% | N/A | 4.500% |
| HAWAII STATE FEDERAL CREDIT UNION | Heloc | 4.500 - 7.250%▼ 80 bps | 5.300 - 7.250% | 5.300 - 7.250% | 5.300 - 7.250% | 5.300 - 7.250% | 5.300 - 7.250% | N/A | 5.300 - 6.500% |
| 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% | 4.740 - 5.240% | N/A | N/A | N/A | 4.740 - 5.240% | N/A |
| 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% | 6.250 - 7.250% | N/A | N/A | N/A | N/A | N/A |
| QUALSTAR CREDIT UNION | Heloc | 6.250% | 6.250% | 6.250% | N/A | N/A | N/A | 6.250% | N/A |
| AVADIAN CREDIT UNION | Home Equity | 7.250 - 8.250% | 7.250 - 8.250% | 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.
SALAL CREDIT UNION
As of July 10, 2026, SALAL’s HELOC rates remain steady, ranging from 3.240% to 18.000% APR, unchanged over the past 15 days. This stability offers predictability for borrowers seeking flexible credit access. While fixed-rate home equity loans are not listed this period, HELOCs provide a practical option for homeowners needing revolving credit with competitive starting rates. Those prioritizing adjustable-rate products with access to funds on demand may find this product suitable. For more details, visit https://www.salalcu.org/personal/borrow/.
BLAZE CREDIT UNION
As of July 10, 2026, BLAZE’s HELOC rates remain steady between 3.990% and 4.990%, consistent over the past 15 days. This stability offers homeowners flexible access to funds without rate fluctuations. Meanwhile, Home Equity Loan rates hold firm at 6.000% to 8.500%, providing predictable fixed payments ideal for long-term budgeting. For borrowers seeking low, stable rates with flexible terms, the HELOC is an attractive option; those prioritizing fixed payments may prefer the Home Equity Loan. For more details, visit https://blazecu.com/personal/borrow/mortgage/rates#Home-Equity.
LISTERHILL CREDIT UNION
As of July 10, 2026, LISTERHILL’s HELOC rate remains steady at 4.000%, unchanged over the past 15 days. This consistent rate offers a reliable option for homeowners seeking flexible borrowing without rate fluctuations. While fixed-rate home equity loans typically attract those prioritizing payment stability, the current HELOC rate may appeal to members needing adaptable credit access for ongoing expenses or projects. Monitoring these rates can help determine the best timing for your borrowing needs. For more details, visit https://listerhill.com/borrowing/loans/home,
PEACH STATE FEDERAL CREDIT UNION
As of July 10, 2026, PEACH STATE’s HELOC rates remain steady between 4.000% and 18.000% APR, consistent over the past 15 days. Similarly, fixed Home Equity Loan rates hold firm from 6.250% to 7.250% APR with no recent changes. Homeowners seeking flexible borrowing options may find the HELOC appealing for its variable access and competitive starting rates. Those preferring predictable payments should consider the fixed-rate Home Equity Loan, offering stability without rate fluctuations. For more details, visit https://www.peachstatefcu.org/home-equity-line-of-credit-heloc,
AVADIAN CREDIT UNION
As of July 10, 2026, AVADIAN’s HELOC rates remain steady between 4.490% and 9.250%, consistent over the past 15 days, offering flexible borrowing options for homeowners seeking variable-rate access. Meanwhile, the Home Equity Loan rates hold firm at 7.250% to 8.250%, providing a competitive fixed-rate alternative with predictable payments. These stable rates make HELOCs attractive for short-term liquidity needs, while the fixed-rate Home Equity Loans suit borrowers prioritizing long-term budget certainty. For more details, visit https://www.avadiancu.com/rates.
MAX CREDIT UNION
As of July 10, 2026, MAX’s HELOC rate remains steady at 4.500%, unchanged over the past 30 days. This stability offers consistent borrowing costs for homeowners seeking flexible access to funds. HELOCs are well-suited for those who prefer variable borrowing with no fixed term, making them an attractive option for ongoing home improvement or emergency expenses. Maintaining a stable rate environment helps members plan their finances without unexpected rate increases. For more details, visit https://www.mymax.com/save/personal-financial-rates.
HAWAII STATE FEDERAL CREDIT UNION
As of July 10, 2026, HAWAII STATE’s HELOC rates have improved notably, with current offers ranging from 4.500% to 7.250% APR, down from last week’s low of 5.300%. This represents a significant drop in starting rates by approximately 80 basis points over the past seven days, while upper-tier rates remain stable. Homeowners seeking flexible borrowing options should consider these competitive HELOC terms, which provide adaptable access to funds without fixed repayment schedules. For those prioritizing rate savings and flexibility, this could be an advantageous time to apply. For more details, visit https://hawaiistatefcu.com/personal/loans/home-loans/heloc/.
NEIGHBORHOOD CREDIT UNION
As of July 10, 2026, NEIGHBORHOOD Credit Union’s Home Equity Loan rates remain steady, holding at a competitive 4.540% to 5.540% over the past 30 days. This consistent pricing provides predictability for borrowers considering fixed-rate home equity financing. For homeowners seeking stable monthly payments, the fixed-rate Home Equity Loan presents an attractive option with no recent rate fluctuations. Meanwhile, flexible access through HELOCs is not currently featured in this update. Borrowers should assess their financial needs carefully when choosing between fixed and variable-rate products. For more details, visit https://www.myncu.com/borrow/home/home-equity-loans.
QUALSTAR CREDIT UNION
As of July 10, 2026, QUALSTAR's Home Equity Loan rate remains steady at 4.740%, holding consistent over the past 30 days with no recent fluctuations. This fixed-rate option provides predictable payments, making it attractive for borrowers seeking long-term stability. Meanwhile, the HELOC rate stands firm at 6.250%, unchanged for at least the last 15 days; this flexible line of credit suits homeowners needing ongoing access to funds without locking into a fixed term. For transparent, reliable home equity financing options, consider QUALSTAR’s offerings. For more details, visit https://www.qualstarcu.com/home-equity-loans.
LendMesh
A home equity loan shouldn’t be complicated. That’s why LendMesh brings transparency to every step—side-by-side comparisons, clear terms, and lenders who actually care. Start making empowered financial choices today: https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re contemplating tapping into your home’s equity, start by evaluating your financial needs and how you plan to use the funds, whether it’s for home improvements that add value, covering education costs, or consolidating higher-interest debt. For borrowers who prioritize lower initial rates and flexibility, a HELOC from SALAL or Blaze could be your best bet right now. On the other hand, if predictable monthly payments are key for your budget, consider fixed-rate loans from Neighborhood or Peach State Credit Unions. Remember to compare not only interest rates but also fees, repayment terms, and any rate caps on variable products before deciding. Lastly, keep an eye on market trends, while rates are stable today, staying informed helps you lock in the best deal when you’re ready. Taking these thoughtful steps ensures your home equity financing works as a smart tool toward your financial goals.