Introduction
If you’re a homeowner considering tapping into your home’s equity for renovations, education, or consolidating debt, today’s rates offer some encouraging options. As of July 17, 2026, Diamond Credit Union is leading with the lowest HELOC rates starting at an impressive 2.99%, providing flexible access to funds with a variable-rate line of credit. This could be ideal if you value the ability to borrow as needed and pay interest only on what you use. For those leaning toward fixed-rate security, Neighborhood Credit Union offers competitive home equity loans ranging from 4.54% to 5.54%, giving you predictable payments over time. Notably, rates have remained stable across the board over the past month, no surprises here, just steady opportunities for homeowners ready to make their plans happen. Whether you want to refresh your living space, invest in your family’s future through education, or simplify finances by consolidating debt, now is a promising moment to explore your options with confidence.
Home Equity Loans
| Lender | Product | 2026-07-17 Current | 2026-07-10 7 Days Ago | 2026-07-02 15 Days Ago | 2026-06-17 30 Days Ago | 2026-06-02 45 Days Ago | 2026-05-18 60 Days Ago | 2026-04-18 90 Days Ago | 2026-01-18 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| DIAMOND CREDIT UNIONLOWEST | 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 - 6.500% | 2.990 - 6.500% |
| SALAL CREDIT UNION | Heloc | 3.240 - 18.000% | 3.240 - 18.000% | 3.240 - 18.000% | 3.240 - 18.000% | N/A | N/A | N/A | 7.490% |
| BLAZE CREDIT UNION | Heloc | 3.990 - 4.990% | 3.990 - 4.990% | 3.990 - 4.990% | 3.990 - 4.990% | N/A | 3.990 - 4.990% | N/A | N/A |
| LISTERHILL CREDIT UNION | Heloc | 4.000% | 4.000% | 4.000% | 4.000% | 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% | 4.000 - 18.000% | 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% | 4.490 - 9.250% | N/A | N/A | N/A | N/A |
| MAX CREDIT UNION | Heloc | 4.500% | 4.500% | 4.500% | 4.500% | N/A | N/A | 4.500% | 4.500% |
| HAWAII STATE FEDERAL CREDIT UNION | Heloc | 4.500 - 7.250% | 4.500 - 7.250% | 5.300 - 7.250% | 4.500 - 7.250% | 4.500 - 7.250% | 5.300 - 7.250% | 5.300 - 7.250% | 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% |
| 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% | 6.250 - 7.250% | N/A | N/A | N/A | N/A |
| AVADIAN CREDIT UNION | Home Equity | 7.250 - 8.250% | 7.250 - 8.250% | 7.250 - 8.250% | 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.
DIAMOND CREDIT UNION
As of July 17, 2026, DIAMOND’s HELOC rates remain steady between 2.990% and 6.500%, showing no change over the past 30 days. This consistency provides predictable borrowing costs for homeowners seeking flexible financing. HELOCs offer versatile access to funds, making them suitable for ongoing home improvement projects or emergency needs. While fixed-rate home equity loans are not listed, DIAMOND’s stable HELOC pricing supports borrowers prioritizing variable-rate options with potential interest savings. For more details, visit https://diamondcu.org/home/home-equity-loans/.
SALAL CREDIT UNION
As of July 17, 2026, SALAL’s HELOC rates remain steady at 3.240% to 18.000% APR, showing no change over the past 30 days. This stable rate range supports homeowners seeking flexible borrowing with predictable costs. While fixed-rate home equity loans are not listed this period, the consistent HELOC pricing offers a reliable option for those needing ongoing access to funds. For borrowers prioritizing adaptable financing, SALAL’s HELOC remains an accessible choice with transparent terms. For more details, visit https://www.salalcu.org/personal/borrow/.
BLAZE CREDIT UNION
As of July 17, 2026, BLAZE’s HELOC rates remain steady between 3.990% and 4.990%, unchanged over the past 30 days, offering consistent access to flexible borrowing. Similarly, Home Equity Loan rates hold firm from 6.000% to 8.500%, providing fixed-rate options for borrowers seeking predictable payments. The stability in both products allows homeowners to plan confidently; HELOCs suit those needing revolving credit, while fixed-rate home equity loans benefit members wanting long-term certainty. For more details, visit https://blazecu.com/personal/borrow/mortgage/rates#Home-Equity,
LISTERHILL CREDIT UNION
As of July 17, 2026, LISTERHILL's HELOC rate remains steady at 4.000%, unchanged over the past 30 days. This consistent rate offers predictable costs for homeowners seeking flexible borrowing options. HELOCs may appeal to those needing revolving credit with variable access to funds, ideal for home improvements or unexpected expenses. While no recent rate changes occurred, this stability can assist in financial planning without concern for sudden increases. For homeowners prioritizing adaptability over fixed terms, LISTERHILL’s current HELOC offering presents a reliable choice. For more details, visit https://listerhill.com/borrowing/loans/home.
PEACH STATE FEDERAL CREDIT UNION
As of July 17, 2026, PEACH STATE’s HELOC rates remain steady at a broad range between 4.000% and 18.000%, offering flexible borrowing options without recent fluctuations. Meanwhile, their Home Equity Loan rates hold firm between 6.250% and 7.250%, providing consistent fixed-rate choices for homeowners seeking predictable payments. The unchanged rates over the past 30 days suggest stable market conditions. For borrowers valuing flexibility, the HELOC is an attractive option due to its adjustable nature; those preferring long-term certainty may find the fixed-rate Home Equity Loans beneficial. For more details, visit https://www.peachstatefcu.org/home-equity-line-of-credit-heloc.
AVADIAN CREDIT UNION
As of July 17, 2026, AVADIAN’s HELOC rates remain stable, ranging from 4.490% to 9.250%, consistent over the past 30 days. This stability offers reliable flexibility for homeowners seeking revolving credit access. Meanwhile, Home Equity Loan rates hold steady between 7.250% and 8.250%, providing a competitive fixed-rate option for borrowers preferring predictable payments. The absence of recent rate changes highlights AVADIAN’s commitment to accessible lending solutions in a fluctuating market. Homeowners valuing long-term certainty may find the fixed-rate Home Equity Loan particularly attractive. For more details, visit https://www.avadiancu.com/rates.
MAX CREDIT UNION
As of July 17, 2026, MAX’s HELOC rate remains steady at 4.500%, unchanged over the past 30 days. This consistent rate offers homeowners reliable access to flexible credit without fluctuation concerns. For borrowers seeking adaptable funding options rather than fixed-term loans, the HELOC at 4.500% presents a straightforward solution with predictable pricing. While no rate movements occurred recently, this stability can be advantageous for managing home equity needs efficiently. For more details, visit https://www.mymax.com/save/personal-financial-rates,
HAWAII STATE FEDERAL CREDIT UNION
As of July 17, 2026, HAWAII STATE’s HELOC rates remain steady, ranging between 4.500% and 7.250% APR, consistent with the past week and 30 days ago. Notably, rates were slightly higher at the lower end (5.300% APR) 15 days ago before returning to current levels. This stability offers a reliable option for homeowners seeking flexible borrowing through a HELOC with competitive variable rates. For those valuing adaptability in managing home improvements or expenses, these terms present an attractive solution. For more details, visit https://hawaiistatefcu.com/personal/loans/home-loans/heloc/.
NEIGHBORHOOD CREDIT UNION
As of July 17, 2026, NEIGHBORHOOD Credit Union’s Home Equity Loan rates remain steady at 4.540% to 5.540% APR, unchanged over the past 30 days. This consistency offers borrowers predictability when considering fixed-rate home equity financing. For homeowners seeking a stable repayment schedule, the fixed-rate Home Equity Loan is an attractive option. While no recent rate shifts occurred, these competitive rates provide reliable access to funds for home improvements or debt consolidation. Borrowers preferring flexibility might explore HELOCs if available in future updates. For more details, visit https://www.myncu.com/borrow/home/home-equity-loans.
LendMesh
From home upgrades to business ventures, a home equity loan can open doors. LendMesh helps you compare lending options built for your budget and your timeline. Ready to put your equity to work? Visit https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
Before diving into a home equity loan or HELOC, assess your financial goals and how soon you’ll need funds. If flexibility and lower initial rates matter most, a HELOC from Diamond Credit Union might be your best bet. However, if predictable monthly payments help you budget better, consider Neighborhood Credit Union’s fixed-rate home equity loans. Keep in mind that even slight rate differences can impact your long-term costs, so compare terms carefully and factor in fees or closing costs. It’s also wise to review your credit score and overall debt-to-income ratio beforehand to secure the most favorable terms possible. If you anticipate needing funds intermittently rather than all at once, a HELOC offers convenience and control. But if your project requires a lump sum and fixed payments provide peace of mind, lock in a home equity loan now while rates remain stable. Ultimately, consult with your credit union advisor to tailor the financing solution that fits your unique situation best, making smart use of your home’s equity can turn dreams into reality without financial stress.