Introduction
As of August 7, 2026, homeowners looking to unlock the value in their homes have some promising options for financing renovations, education, or consolidating debt. If you’re seeking a flexible borrowing solution with potentially lower initial rates, a HELOC could be a smart choice, Diamond Credit Union is currently offering the lowest HELOC rates starting at just 2.99%, an attractive option for borrowers who want variable rates and easy access to funds. For those preferring fixed-rate stability, Neighborhood Credit Union’s home equity loans present competitive rates beginning around 4.54%. Whether you’re planning a major home upgrade or need funds for life’s next chapter, today’s rates reflect steady conditions with no significant changes over the past month, giving you confidence in timing your decision. Borrowers who value flexibility and low entry costs might lean toward HELOCs from credit unions like Diamond or Blaze, while those prioritizing predictable payments can explore fixed-rate loans from Neighborhood or Qualstar.
Home Equity Loans
| Lender | Product | 2026-08-07 Current | 2026-07-31 7 Days Ago | 2026-07-23 15 Days Ago | 2026-07-08 30 Days Ago | 2026-06-23 45 Days Ago | 2026-06-08 60 Days Ago | 2026-05-09 90 Days Ago | 2026-02-08 180 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% |
| BLAZE CREDIT UNION | Heloc | 3.990 - 4.990% | 3.990 - 4.990% | 3.990 - 4.990% | 3.990 - 4.990% | 3.990 - 4.990% | N/A | N/A | 3.990 - 4.990% |
| 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 - 9.250% | N/A | N/A | N/A |
| MAX CREDIT UNION | Heloc | 4.500% | 4.500% | 4.500% | 4.500% | 4.500% | 4.500% | 4.500% | 4.500% |
| HAWAII STATE FEDERAL CREDIT UNION | Heloc | 4.500 - 7.250%▼ 80 bps | 5.300 - 7.250% | 5.300 - 7.250% | 4.500 - 7.250% | 5.300 - 7.250% | 5.300 - 7.250% | N/A | 5.300 - 7.250% |
| 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 | 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% | 6.250 - 7.250% | 6.250 - 7.250% | N/A | N/A | N/A |
| QUALSTAR CREDIT UNION | Heloc | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | N/A | N/A | N/A |
| AVADIAN CREDIT UNION | Home Equity | 7.250 - 8.250% | 7.250 - 8.250% | 7.250 - 8.250% | 7.250 - 8.250% | 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 August 7, 2026, DIAMOND’s HELOC rates remain steady between 2.990% and 6.500% APR, showing no change over the past 30 days. This consistency provides a reliable option for homeowners seeking flexible borrowing without rate volatility. A HELOC is particularly suitable for those needing ongoing access to funds with competitive variable rates. While fixed-rate home equity loans are not listed, DIAMOND’s stable HELOC pricing supports manageable budgeting and financial planning. For more details, visit https://diamondcu.org/home/home-equity-loans/.
BLAZE CREDIT UNION
As of August 7, 2026, BLAZE’s HELOC rates remain steady between 3.990% and 4.990%, showing no change over the past 30 days. This makes the HELOC a consistent choice for homeowners seeking flexible borrowing options with competitive variable rates. Meanwhile, Home Equity Loan rates hold firm from 6.000% to 8.500%, offering fixed-rate stability ideal for borrowers who prefer predictable payments over time. With no recent rate fluctuations, members can confidently assess which product suits their financial goals. For more details, visit https://blazecu.com/personal/borrow/mortgage/rates#Home-Equity,
LISTERHILL CREDIT UNION
As of August 7, 2026, LISTERHILL’s HELOC rate remains steady at 4.000%, unchanged over the past 30 days. This consistent rate offers homeowners reliable, flexible access to equity without rate fluctuations. While no new shifts are noted, the HELOC product continues to be a practical choice for borrowers seeking adjustable credit lines rather than fixed-term loans. For those prioritizing flexibility in managing home improvements or expenses, maintaining a stable 4.000% HELOC rate is advantageous. For more details, visit https://listerhill.com/borrowing/loans/home.
PEACH STATE FEDERAL CREDIT UNION
As of August 7, 2026, PEACH STATE's HELOC rates remain steady between 4.000% and 18.000%, consistent over the past 30 days. Similarly, their Home Equity Loan fixed rates hold firm from 6.250% to 7.250% across all recent periods. The stable HELOC range offers flexible borrowing options for homeowners seeking variable access to funds, while the fixed-rate home equity loans provide predictable payments ideal for longer-term financial planning. These consistent rates reflect a reliable lending environment with no recent volatility. For more details, visit https://www.peachstatefcu.org/home-equity-line-of-credit-heloc,
AVADIAN CREDIT UNION
As of August 7, 2026, AVADIAN’s HELOC rates remain steady at a range of 4.490% to 9.250%, consistent over the past 30 days. Similarly, Home Equity Loan rates hold firm between 7.250% and 8.250%, offering predictable fixed-rate options for borrowers seeking stability. The stable HELOC pricing may appeal to homeowners requiring flexible credit access without rate fluctuations, while the fixed Home Equity Loans provide attractive terms for those prioritizing long-term payment certainty. For more details, visit https://www.avadiancu.com/rates.
MAX CREDIT UNION
As of August 7, 2026, the MAX HELOC rate remains steady at 4.500%, unchanged over the past 30 days. This consistent rate offers reliable terms for homeowners seeking flexible borrowing options. HELOCs may appeal to those needing ongoing access to funds with a competitive rate in today’s market. While no changes occurred this period, maintaining a stable rate supports financial planning without surprises. For borrowers prioritizing flexibility over fixed long-term commitments, MAX’s current HELOC terms present an accessible solution. For more details, visit https://www.mymax.com/save/personal-financial-rates,
HAWAII STATE FEDERAL CREDIT UNION
As of August 7, 2026, HAWAII STATE’s HELOC rates range from 4.500% to 7.250%, showing a notable decrease in starting rates compared to 7 and 15 days ago when the low end was at 5.300%. Over the past 30 days, the lowest rate has dropped by approximately 80 basis points, offering more affordable access to flexible home equity financing. Homeowners seeking adaptable borrowing options may find HELOCs particularly advantageous given this improved rate environment. For those prioritizing variable-rate flexibility with competitive pricing, this range presents an attractive opportunity. For more details, visit https://hawaiistatefcu.com/personal/loans/home-loans/heloc/.
NEIGHBORHOOD CREDIT UNION
Neighborhood Credit Union’s Home Equity Loan rates remain steady at 4.540% to 5.540% APR, unchanged over the past 30 days. This consistent pricing provides predictable borrowing costs for homeowners seeking fixed-rate options. The stable rates make home equity loans attractive for those prioritizing fixed payments and long-term financial planning. While no rate movement occurred recently, these loans continue to offer reliable terms for funding home improvements or debt consolidation. For members valuing flexibility, Neighborhood also offers HELOCs, which provide revolving credit access. For more details, visit https://www.myncu.com/borrow/home/home-equity-loans.
QUALSTAR CREDIT UNION
As of August 7, 2026, QUALSTAR’s Home Equity Loan rates remain steady at a competitive 4.740%, providing consistent value for borrowers seeking fixed-rate financing. The HELOC rate also holds firm at 6.250%, offering flexible borrowing options without rate fluctuations over the past 30 days. For homeowners prioritizing predictable monthly payments, the fixed-rate home equity loan is an attractive choice. Meanwhile, those needing adaptable credit access may find the HELOC suits short-term or variable funding needs. Stability in both products ensures reliable planning for your home equity financing. For more details, visit https://www.qualstarcu.com/home-equity-loans.
LendMesh
From roof repairs to tuition costs, home equity loans are built for life’s real expenses. LendMesh lets you explore transparent, flexible offers tailored to your needs. Find out what your equity can do at https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re contemplating tapping into your home equity right now, take time to assess your financial goals and risk tolerance carefully. A HELOC offers convenience and lower starting rates but comes with variable interest that may rise over time. Conversely, fixed-rate home equity loans provide payment certainty but often start at slightly higher rates. Since rates have remained stable this past month across most credit unions, there’s no rush, but don’t delay if current offers meet your needs. Get prequalified early to lock in today’s best terms and compare both program types side-by-side before committing. Lastly, always consider your repayment plan realistically, using home equity wisely can improve your financial future, but it’s critical to borrow within your means and stay informed about potential rate adjustments.