Introduction
If tapping into your home equity feels like the right step now, start by comparing both HELOCs and fixed-rate loans to match your financial needs and comfort with interest rate fluctuations. Those planning shorter-term projects or needing flexible repayment options might lean toward HELOCs like SALAL’s low introductory rate. Conversely, if locking in a consistent monthly payment appeals to you, fixed-rate loans from Neighborhood or Qualstar could be more suitable. Remember to consider fees, terms, and your credit profile before committing, a slightly higher rate with better terms can save money long-term. If rates don’t quite fit your budget today and your project timeline allows, monitoring these stable trends over the next few months might reveal even better opportunities ahead. Ultimately, being informed and patient can make all the difference when leveraging your home’s equity to achieve your goals confidently and cost-effectively.
Home Equity Loans
| Lender | Product | 2026-07-24 Current | 2026-07-17 7 Days Ago | 2026-07-09 15 Days Ago | 2026-06-24 30 Days Ago | 2026-06-09 45 Days Ago | 2026-05-25 60 Days Ago | 2026-04-25 90 Days Ago | 2026-01-25 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| SALAL CREDIT UNIONLOWEST | Heloc | 3.240 - 18.000% | 3.240 - 18.000% | 3.240 - 18.000% | 3.240 - 18.000% | N/A | N/A | N/A | N/A |
| 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 | N/A | 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 | N/A |
| 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 | 4.490 - 7.250% |
| MAX CREDIT UNION | Heloc | 4.500% | 4.500% | 4.500% | 4.500% | 4.500% | N/A | 4.500% | N/A |
| 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% | 4.740 - 5.240% | N/A | N/A | N/A | 4.740 - 5.240% |
| FINANCIAL CENTER FIRST CREDIT UNION | Home Equity | 4.750 - 6.000% | 4.750 - 6.000% | 4.750 - 6.000% | 4.750 - 6.000% | N/A | N/A | N/A | 5.250 - 6.500% |
| FINANCIAL CENTER FIRST CREDIT UNION | Heloc | 5.750% | 5.750% | 5.750% | 5.750% | N/A | N/A | 5.750% | 6.750% |
| 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 | 6.250 - 7.250% |
| QUALSTAR CREDIT UNION | Heloc | 6.250% | 6.250% | 6.250% | 6.250% | N/A | N/A | N/A | 6.250% |
| 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 | 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 24, 2026, SALAL’s HELOC rates remain steady, holding at a range of 3.240% to 18.000% over the past 30 days. This consistency offers predictability for borrowers seeking flexible access to funds through home equity lines of credit. While no changes are noted, the broad rate range accommodates various credit profiles and loan sizes. Homeowners valuing adjustable borrowing options may find SALAL’s HELOC product well-suited to their needs. For more details, visit https://www.salalcu.org/personal/borrow/.
BLAZE CREDIT UNION
As of July 24, 2026, BLAZE’s HELOC rates remain steady between 3.990% and 4.990%, unchanged over the past 30 days, offering reliable flexibility for homeowners seeking revolving credit. Meanwhile, fixed-rate Home Equity Loans hold firm from 6.000% to 8.500%, maintaining consistent terms for borrowers prioritizing predictable payments. The stable rate environment supports informed borrowing decisions; HELOCs suit those needing adaptable access to funds, while fixed loans appeal to members valuing long-term certainty. For more details, visit https://blazecu.com/personal/borrow/mortgage/rates#Home-Equity.
LISTERHILL CREDIT UNION
As of July 24, 2026, LISTERHILL’s HELOC rate remains steady at 4.000%, unchanged over the past 30 days. This consistent rate offers predictable borrowing costs for homeowners seeking flexible credit access. HELOCs are well-suited for those needing variable funding with competitive rates tied to market conditions. While no rate movement occurred recently, maintaining a low and stable 4.000% APR keeps this option attractive for managing home improvement projects or consolidating debt. For more details, visit https://listerhill.com/borrowing/loans/home,
PEACH STATE FEDERAL CREDIT UNION
As of July 24, 2026, PEACH STATE’s HELOC rates remain steady at 4.000% to 18.000%, showing no change over the past 30 days. Similarly, fixed-rate Home Equity Loans hold firm between 6.250% and 7.250% APR, providing consistent borrowing costs for homeowners. The stable fixed-rate home equity loans offer predictability for long-term budgeting, while the HELOC’s flexible access to funds suits those needing variable borrowing options. Homeowners seeking reliable financing will find PEACH STATE’s unchanged rates advantageous in today’s market. For more details, visit https://www.peachstatefcu.org/home-equity-line-of-credit-heloc,
AVADIAN CREDIT UNION
As of July 24, 2026, AVADIAN's HELOC rates remain steady between 4.490% and 9.250%, unchanged over the past 30 days, offering consistent flexibility for homeowners needing revolving credit. The Home Equity Loan fixed rates hold firm at 7.250% to 8.250%, providing stable, predictable payments ideal for long-term financing. With no recent rate fluctuations, borrowers can confidently evaluate these accessible lending options based on their financial needs and repayment preferences. For more details, visit https://www.avadiancu.com/rates.
MAX CREDIT UNION
As of July 24, 2026, MAX's HELOC rate remains steady at 4.500%, unchanged over the past 30 days. This consistency offers predictability for homeowners seeking flexible borrowing options with a variable-rate line of credit. While no rate fluctuations occurred, the stable 4.500% HELOC is an attractive choice for those prioritizing accessible, ongoing access to equity without long-term commitment. Homeowners considering flexible financing may find MAX’s HELOC a practical solution in today’s market. For more details, visit https://www.mymax.com/save/personal-financial-rates.
NEIGHBORHOOD CREDIT UNION
As of July 24, 2026, NEIGHBORHOOD Credit Union’s Home Equity Loan rates remain steady at 4.540% to 5.540%, unchanged over the past 30 days. This consistent pricing provides reliable options for borrowers seeking fixed-rate financing. Home equity loans are ideal for members who prefer predictable monthly payments and long-term stability. While no recent rate changes occurred, these competitive fixed rates continue to offer value in today’s market. For homeowners needing flexible access to funds, exploring HELOCs may be beneficial, though current data is not available here. For more details, visit https://www.myncu.com/borrow/home/home-equity-loans.
QUALSTAR CREDIT UNION
As of July 24, 2026, QUALSTAR's Home Equity Loan rate remains steady at 4.740%, holding firm over the past month despite a slight dip from 5.240% thirty days ago. This fixed rate offers homeowners reliable long-term financing without rate fluctuations. Meanwhile, the HELOC rate is unchanged at 6.250%, providing consistent access to flexible credit for variable borrowing needs. For borrowers seeking stable payments, the fixed-rate home equity loan presents an attractive option; those needing adaptable funds may prefer the HELOC. For more details, visit https://www.qualstarcu.com/home-equity-loans.
FINANCIAL CENTER FIRST CREDIT UNION
As of July 24, 2026, FINANCIAL CENTER FIRST’s Home Equity Loan rates remain steady between 4.750% and 6.000%, maintaining consistent terms over the past 30 days. Likewise, the HELOC rate holds firm at 5.750%, showing no change during this period. For borrowers seeking predictable monthly payments, the fixed-rate Home Equity Loan offers a stable and attractive option. Meanwhile, HELOCs provide flexible credit access for ongoing home improvement or financial needs without rate fluctuations currently observed. For more details, visit https://www.fcfcu.com/rates/home-rates.
LendMesh
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