Introduction
For homeowners looking to unlock the potential of their property, today’s home equity rates on July 31, 2026, offer some compelling opportunities. Whether you’re planning a home renovation, funding education, or consolidating debt, tapping into your home’s equity can be a smart financial move. If you prefer the flexibility of a HELOC, Rockland Credit Union stands out with an exceptionally low rate at 3.00%, making it one of the most attractive options currently available. Those seeking a fixed-rate home equity loan will find competitive choices too, with Neighborhood Credit Union offering rates starting as low as 4.54%. Importantly, rates have remained steady over the past month across all credit unions, giving borrowers confidence in today’s pricing. If you want adaptable borrowing power or predictable payments, these credit union offerings could fit your needs perfectly.
Home Equity Loans
| Lender | Product | 2026-07-31 Current | 2026-07-24 7 Days Ago | 2026-07-16 15 Days Ago | 2026-07-01 30 Days Ago | 2026-06-16 45 Days Ago | 2026-06-01 60 Days Ago | 2026-05-02 90 Days Ago | 2026-02-01 180 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% | 3.240 - 18.000% | 3.240 - 18.000% | 7.490% | 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 | N/A | N/A | N/A |
| LISTERHILL CREDIT UNION | Heloc | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | N/A | N/A | N/A |
| PEACH STATE FEDERAL CREDIT UNION | Heloc | 4.000 - 18.000% | 4.000 - 18.000% | 4.000 - 18.000% | 4.000 - 18.000% | 4.000 - 18.000% | 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% | 4.490 - 7.250% | 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% | 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% | 4.740% | 4.740% | 4.740 - 5.240% | N/A | N/A | 4.740 - 5.240% |
| 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% | 6.250 - 7.250% | N/A | N/A | 6.250 - 7.250% |
| QUALSTAR CREDIT UNION | Heloc | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | N/A | N/A | 6.250% |
| AVADIAN CREDIT UNION | Home Equity | 7.250 - 8.250% | 7.250 - 8.250% | 7.250 - 8.250% | 7.250 - 8.250% | 7.250 - 8.250% | 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.
ROCKLAND FEDERAL CREDIT UNION
As of July 31, 2026, ROCKLAND Credit Union offers a HELOC at a competitive rate of 3.000%, with no previous data for comparison. This low rate positions the HELOC as an attractive option for homeowners seeking flexible access to funds without locking into long-term fixed payments. While no fixed-rate home equity loans are currently listed, the 3.000% HELOC rate remains a compelling choice for those prioritizing liquidity and ongoing borrowing capacity. For detailed updates and additional lending options, visit https://www.rfcu.com/resources/information/rates/#Equity_Rates_Anchor.
SALAL CREDIT UNION
As of July 31, 2026, SALAL’s HELOC rates remain steady, holding at a range of 3.240% to 18.000% over the past 30 days with no changes in rate or APR. This consistent pricing offers predictable borrowing costs for homeowners seeking flexible credit access. HELOCs are well-suited for those needing variable-rate options and ongoing liquidity rather than fixed-term loans. While no new rate movements occurred, SALAL’s stable HELOC terms provide transparency and reliability in a fluctuating market. For more details, visit https://www.salalcu.org/personal/borrow/.
BLAZE CREDIT UNION
As of July 31, 2026, BLAZE’s HELOC rates remain steady between 3.990% and 4.990%, consistent over the past month. Similarly, Home Equity Loan rates hold firm from 6.000% to 8.500% with no recent fluctuations. The stable HELOC pricing offers flexible borrowing for homeowners seeking variable-rate access, while fixed-rate home equity loans provide predictable payments over the term. These unchanged rates reflect a consistent lending environment ideal for planning your home financing strategy. For more details, visit https://blazecu.com/personal/borrow/mortgage/rates#Home-Equity,
LISTERHILL CREDIT UNION
As of July 31, 2026, LISTERHILL's HELOC rate remains steady at 4.000%, unchanged over the past 30 days. This consistent rate offers homeowners a reliable option for flexible borrowing with no recent fluctuations to affect budgeting. For those seeking adaptable access to home equity, the HELOC at 4.000% presents an attractive choice without rate volatility. While fixed-rate home equity loans are not listed this period, the stable HELOC provides transparent terms for managing home improvement or debt consolidation needs. For more details, visit https://listerhill.com/borrowing/loans/home.
PEACH STATE FEDERAL CREDIT UNION
As of July 31, 2026, PEACH STATE's HELOC rates remain stable at 4.000% to 18.000%, unchanged over the past 30 days, offering flexible borrowing options for homeowners needing variable access to equity. The Home Equity Loan rates also hold steady between 6.250% and 7.250%, providing predictable fixed-rate terms ideal for borrowers seeking long-term stability. This consistency ensures reliable planning for members considering home equity financing solutions. For more details, visit https://www.peachstatefcu.org/home-equity-line-of-credit-heloc.
AVADIAN CREDIT UNION
As of July 31, 2026, AVADIAN’s HELOC rates remain steady between 4.490% and 9.250%, offering flexible borrowing options without recent fluctuations. Similarly, Home Equity Loan rates hold firm at 7.250% to 8.250%, providing a stable fixed-rate solution for homeowners seeking predictability over the loan term. The consistent pricing reflects AVADIAN’s commitment to accessible lending with no recent rate volatility. Homeowners valuing flexible access may find HELOCs appealing, while those preferring long-term fixed payments should consider the Home Equity Loans. For more details, visit https://www.avadiancu.com/rates,
MAX CREDIT UNION
As of July 31, 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 through a Home Equity Line of Credit. While no rate changes occurred recently, the current 4.500% HELOC is competitive for those needing revolving credit with variable access. Homeowners considering longer-term fixed-rate products should monitor MAX’s offerings as they may provide stability in rising rate environments. For more details, visit https://www.mymax.com/save/personal-financial-rates.
NEIGHBORHOOD CREDIT UNION
As of July 31, 2026, NEIGHBORHOOD’s Home Equity Loan rates remain steady at 4.540% to 5.540% APR, unchanged over the past 30 days. This consistent pricing offers predictability for borrowers seeking fixed-rate financing. Home Equity Loans provide a reliable option for homeowners looking to lock in a set payment over the loan term. While no rate shifts have occurred recently, these fixed rates continue to be competitive within the current market environment. For homeowners valuing stable monthly payments and clear terms, this product remains an attractive choice. For more details, visit https://www.myncu.com/borrow/home/home-equity-loans.
QUALSTAR CREDIT UNION
As of July 31, 2026, QUALSTAR’s Home Equity Loan rate remains steady at 4.740%, showing no change over the past 30 days. This fixed rate offers a reliable option for borrowers seeking predictable monthly payments. Meanwhile, the HELOC rate holds at 6.250%, unchanged for the month, providing flexible borrowing for those needing variable access to funds. With rates stable across both products, homeowners can confidently evaluate fixed-rate loans for long-term planning or HELOCs for adaptable credit lines. For more details, visit https://www.qualstarcu.com/home-equity-loans.
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Conclusion
If you’re considering leveraging your home equity now, start by comparing both HELOC and fixed-rate loan options to match your financial goals and repayment comfort. With rates holding steady this month, there’s no rush, but don’t delay if you spot a rate that fits your budget and timeline. Remember, a HELOC offers flexible access to funds ideal for ongoing projects, while a fixed-rate loan provides stability with consistent monthly payments, perfect for planned expenses like major renovations or tuition bills. Before applying, check your credit score and gather documentation to speed up approval. Lastly, always factor in closing costs and possible fees when evaluating offers. By staying informed and proactive, you can confidently turn your home equity into an effective resource for improving your life today or in the near future.