Introduction
For homeowners looking to unlock the value in their property, today’s home equity rates offer promising opportunities. As of August 14, 2026, ROCKLAND Credit Union leads with the lowest HELOC rate at an attractive 3.00%, making it an ideal choice for borrowers seeking flexible access to funds for renovations, education expenses, or consolidating debt. Those who prefer the predictability of a fixed-rate loan might consider NEIGHBORHOOD Credit Union’s competitive home equity loan starting at 4.54%, providing stable monthly payments without surprises. If you’re weighing options, this moment is especially beneficial for disciplined borrowers ready to invest in their future or manage existing financial commitments smartly. With rates holding steady over the past month and minimal fluctuations across credit unions, you can feel confident exploring these offerings to match your financial goals.
Home Equity Loans
| Lender | Product | 2026-08-14 Current | 2026-08-07 7 Days Ago | 2026-07-30 15 Days Ago | 2026-07-15 30 Days Ago | 2026-06-30 45 Days Ago | 2026-06-15 60 Days Ago | 2026-05-16 90 Days Ago | 2026-02-15 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| ROCKLAND FEDERAL CREDIT UNIONLOWEST | Heloc | 3.000% | N/A | 3.000% | N/A | 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% | 3.990 - 4.990% | 3.990 - 4.990% | 3.990 - 4.990% | N/A |
| LISTERHILL CREDIT UNION | Heloc | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 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% | 4.000 - 18.000% | 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% | 4.490 - 7.250% | N/A | N/A |
| MAX CREDIT UNION | Heloc | 4.500% | 4.500% | 4.500% | 4.500% | 4.500% | 4.500% | N/A | 4.500% |
| HAWAII STATE FEDERAL CREDIT UNION | Heloc | 4.500 - 7.250% | 4.500 - 7.250% | 5.300 - 7.250% | 4.500 - 7.250% | 5.300 - 7.250% | 5.300 - 7.250% | 5.300 - 7.250% | 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% | 4.740 - 5.240% | 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% | 6.250 - 7.250% | N/A | N/A |
| QUALSTAR CREDIT UNION | Heloc | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | N/A | N/A |
| ROCKLAND FEDERAL CREDIT UNION | Home Equity | 6.375 - 7.500% | 6.375 - 7.375% | N/A | 6.375 - 7.500% | 6.375 - 7.500% | 6.375 - 7.750% | 6.375 - 7.375% | 6.375 - 7.375% |
| AVADIAN CREDIT UNION | Home Equity | 7.250 - 8.250% | 7.250 - 8.250% | 7.250 - 8.250% | 7.250 - 8.250% | N/A | 7.250 - 8.250% | 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.
ROCKLAND FEDERAL CREDIT UNION
As of August 14, 2026, ROCKLAND’s HELOC rate remains steady at 3.000%, matching the rate from 15 days ago and showing no change over the past week. Meanwhile, Home Equity Loan rates range from 6.375% to 7.500%, with a slight uptick in the upper range compared to last week’s high of 7.375%. The stable HELOC rate offers flexible borrowing for homeowners needing revolving credit, while fixed-rate home equity loans provide predictable payments suitable for long-term financing. For members prioritizing consistent costs, the home equity loan’s fixed terms remain attractive despite minor rate shifts. For more details, visit https://www.rfcu.com/resources/information/rates/#Equity_Rates_Anchor.
BLAZE CREDIT UNION
As of August 14, 2026, BLAZE's HELOC rates remain steady between 3.990% and 4.990%, unchanged over the past 30 days, offering a consistent option for homeowners seeking flexible credit access. Meanwhile, Home Equity Loan rates hold firm at 6.000% to 8.500%, providing predictable fixed payments with no recent fluctuations. For borrowers prioritizing rate stability and fixed terms, the home equity loan is an attractive choice; those needing revolving credit may prefer the stable HELOC rates. For more details, visit https://blazecu.com/personal/borrow/mortgage/rates#Home-Equity.
LISTERHILL CREDIT UNION
As of August 14, 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. A HELOC at 4.000% is competitive for those needing revolving credit access without locking into fixed terms. Homeowners considering ongoing or variable expenses may find this option advantageous for managing cash flow efficiently. For more details, visit https://listerhill.com/borrowing/loans/home.
PEACH STATE FEDERAL CREDIT UNION
As of August 14, 2026, PEACH STATE’s HELOC rates remain steady between 4.000% and 18.000%, consistent over the past 30 days. Similarly, Home Equity Loan rates hold firm from 6.250% to 7.250%, with no recent fluctuations. The fixed-rate Home Equity Loan offers a stable borrowing option for homeowners seeking predictable payments, while the flexible HELOC suits those needing revolving credit access. Both products provide transparent terms with competitive rates tailored to diverse financial needs. For more details, visit https://www.peachstatefcu.org/home-equity-line-of-credit-heloc,
AVADIAN CREDIT UNION
As of August 14, 2026, AVADIAN’s HELOC rates remain steady between 4.490% and 9.250%, consistent over the past month. Similarly, Home Equity Loan rates hold firm at 7.250% to 8.250% with no recent changes. The stable HELOC pricing offers homeowners flexible borrowing options without rate fluctuations, while the fixed-rate Home Equity Loans provide predictable payments ideal for long-term planning. Those seeking adaptable credit access may find HELOCs appealing, whereas borrowers prioritizing fixed terms should consider AVADIAN’s competitive Home Equity Loans.
For more details, visit https://www.avadiancu.com/rates.
MAX CREDIT UNION
As of August 14, 2026, MAX’s HELOC rate remains steady at 4.500%, unchanged over the past 30 days. This consistent rate provides homeowners with reliable and flexible borrowing options. HELOCs are well-suited for those seeking access to revolving credit without committing to fixed loan terms. While no rate changes occurred recently, the stable 4.500% HELOC offers transparency and predictability for budgeting home improvements or other expenses. For more details, visit https://www.mymax.com/save/personal-financial-rates.
HAWAII STATE FEDERAL CREDIT UNION
As of August 14, 2026, HAWAII STATE's HELOC rates remain steady, with a range of 4.500% to 7.250% over the past 30 days, reflecting stable borrowing costs for flexible home equity access. The consistent low-end rate at 4.500% offers an attractive option for homeowners seeking variable-rate credit lines without recent increases. Given no changes in this period, borrowers valuing adaptability may find HELOCs appealing for managing expenses or renovations. For more details, visit https://hawaiistatefcu.com/personal/loans/home-loans/heloc/.
NEIGHBORHOOD CREDIT UNION
As of August 14, 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 consistent pricing offers homeowners a reliable option for fixed-rate borrowing without recent volatility. The stable rate range supports long-term financial planning, making home equity loans an attractive choice for borrowers seeking predictable payments. While no HELOC data is provided this week, those needing flexible credit access should consider available line of credit options elsewhere. For more details, visit https://www.myncu.com/borrow/home/home-equity-loans.
QUALSTAR CREDIT UNION
As of August 14, 2026, QUALSTAR’s Home Equity Loan rate remains steady at 4.740%, unchanged over the past 30 days, making it an attractive fixed-rate option for borrowers seeking predictability. Similarly, the HELOC rate holds firm at 6.250%, providing consistent access to flexible credit without rate fluctuations. Homeowners looking for stable monthly payments may prefer the fixed-rate home equity loan, while those needing revolving credit for ongoing projects might consider the HELOC. For more details, visit https://www.qualstarcu.com/home-equity-loans.
LendMesh
Home equity loans don’t need to be confusing. At LendMesh, we translate your options into plain language—and help you compare fixed or variable terms with ease. Ready to feel confident? Visit https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
Before tapping into your home equity, assess your personal needs and timeline carefully. If you value flexibility and plan to borrow intermittently, a low-rate HELOC like ROCKLAND’s 3.00% option could be your best fit. For those preferring budget certainty, fixed-rate loans from NEIGHBORHOOD or QUALSTAR offer dependable payments that shield you from interest rate shifts. Remember, rates have remained stable recently, so if you’re not pressed for immediate funds, monitoring trends for any dips can be worthwhile. Above all, prioritize understanding the terms and fees associated with each program and consult with your credit union to tailor a solution that supports both your short- and long-term financial well-being. Taking these critical steps ensures your home equity borrowing becomes a positive investment in your future.