Introduction
If you’re a homeowner considering tapping into your home’s equity for renovations, education, or debt consolidation, today’s rates as of August 21, 2026, offer some compelling opportunities. For those seeking flexible borrowing options, Rockland Credit Union stands out with the lowest HELOC rate at an impressive 3.000%, perfect for borrowers who want access to funds with potentially lower interest costs. Meanwhile, if a fixed-rate loan is more your style for predictable payments, Neighborhood Credit Union’s home equity loans offer competitive rates starting at 4.540%, giving you stability and peace of mind. Across the board, rates have remained steady over the past month, so now could be a smart time to explore your options, whether you need quick access via a HELOC or prefer locking in a fixed rate for longer-term budgeting. Homeowners looking to make smart financial moves will benefit most from comparing these offers closely to find the best fit for their goals.
Home Equity Loans
| Lender | Product | 2026-08-21 Current | 2026-08-14 7 Days Ago | 2026-08-06 15 Days Ago | 2026-07-22 30 Days Ago | 2026-07-07 45 Days Ago | 2026-06-22 60 Days Ago | 2026-05-23 90 Days Ago | 2026-02-22 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| ROCKLAND FEDERAL CREDIT UNIONLOWEST | Heloc | 3.000% | 3.000% | N/A | 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% | N/A | 3.990 - 4.990% |
| 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 - 9.250% | 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% | 4.500 - 7.250% | 5.300 - 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% | 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 |
| LISTERHILL CREDIT UNION | Home Equity | 6.750% | N/A | N/A | N/A | 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% | 7.250 - 8.250% | 7.250 - 8.250% | 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.
ROCKLAND FEDERAL CREDIT UNION
ROCKLAND’s HELOC rate remains steady at a competitive 3.000% APR, unchanged over the past week. This consistency offers a reliable borrowing cost for homeowners seeking flexible access to their home equity. While no fixed-rate home equity loans are currently listed, the stable HELOC rate provides an attractive option for those prioritizing adjustable terms and ongoing credit availability. Homeowners considering short-term liquidity needs may find this product well-suited for managing expenses or renovations efficiently. For more details, visit https://www.rfcu.com/resources/information/rates/#Equity_Rates_Anchor.
BLAZE CREDIT UNION
As of August 21, 2026, BLAZE’s HELOC rates remain steady between 3.990% and 4.990%, showing no change over the past 30 days. This consistency makes HELOCs an attractive option for homeowners seeking flexible borrowing with predictable costs. Meanwhile, fixed-rate Home Equity Loans hold steady at 6.000% to 8.500%, offering stability for those preferring long-term repayment certainty. Homeowners should weigh their need for flexibility versus fixed payments when choosing between these products. For more details, visit https://blazecu.com/personal/borrow/mortgage/rates#Home-Equity,
LISTERHILL CREDIT UNION
As of August 21, 2026, LISTERHILL’s HELOC rate remains steady at 4.000%, showing no change over the past 30 days. This consistent rate offers reliable flexibility for homeowners seeking revolving credit access. Meanwhile, the Home Equity Loan is newly offered at a fixed 6.750%, providing a stable borrowing option for members preferring predictable payments. For those needing adaptable funds, the HELOC is an attractive choice; fixed-rate loans suit borrowers wanting long-term certainty. For more details, visit https://listerhill.com/borrowing/loans/home.
PEACH STATE FEDERAL CREDIT UNION
As of August 21, 2026, PEACH STATE’s HELOC rates remain steady between 4.000% and 18.000%, showing no movement over the past 30 days. Similarly, Home Equity Loan rates hold firm at 6.250% to 7.250% with no recent changes. The fixed-rate home equity loans offer predictable monthly payments, making them an attractive choice for borrowers seeking stability. Meanwhile, HELOCs provide flexible access to funds, ideal for homeowners who prefer revolving credit options. For members considering home equity financing, these consistent rates reflect a stable borrowing environment.
For more details, visit https://www.peachstatefcu.org/home-equity-line-of-credit-heloc.
AVADIAN CREDIT UNION
AVADIAN’s HELOC rates remain steady between 4.490% and 9.250%, providing flexible borrowing options for homeowners seeking variable access to funds. Meanwhile, the Home Equity Loan rates hold firm at 7.250% to 8.250%, offering predictable payments with fixed terms ideal for long-term planning. With no rate changes over the past month, borrowers can confidently consider these stable options based on their financial needs. For those prioritizing flexibility, HELOCs may appeal, while fixed-rate home equity loans suit borrowers valuing consistent monthly payments. For more details, visit https://www.avadiancu.com/rates.
MAX CREDIT UNION
As of August 21, 2026, MAX’s HELOC rate remains steady at 4.500%, unchanged over the past 30 days. This consistent rate offers predictable borrowing costs for homeowners seeking flexible credit access. A HELOC is well-suited for those who prefer revolving credit with variable draws, supporting ongoing home improvement or emergency funding needs. While no shifts occurred recently, this stability can benefit members evaluating their financing options without concern for immediate rate increases. For detailed information on MAX’s home equity offerings, visit https://www.mymax.com/save/personal-financial-rates.
HAWAII STATE FEDERAL CREDIT UNION
As of August 21, 2026, HAWAII STATE’s HELOC rates remain steady at 4.500% to 7.250%, holding flat over the past week and two weeks. Notably, the lower end of this range has improved by approximately 80 basis points compared to 30 days ago, when rates started at 5.300%. This stability combined with the recent rate reduction makes the HELOC option attractive for homeowners seeking flexible borrowing with competitive pricing. For those needing ongoing access to funds rather than a fixed loan term, this product offers transparent and accessible terms tailored to Hawaii residents. For more details, visit https://hawaiistatefcu.com/personal/loans/home-loans/heloc/.
NEIGHBORHOOD CREDIT UNION
As of August 21, 2026, NEIGHBORHOOD Credit Union's Home Equity Loan rates remain stable at 4.540% to 5.540% APR, consistent over the past 30 days. This fixed-rate option offers predictable payments, making it attractive for homeowners seeking long-term financial planning without rate fluctuations. While no recent rate changes occurred, locking in a home equity loan at these steady rates can provide cost certainty compared to variable products. For borrowers valuing flexibility, HELOCs typically offer revolving credit access but are not detailed here. For more details, visit https://www.myncu.com/borrow/home/home-equity-loans.
QUALSTAR CREDIT UNION
As of August 21, 2026, QUALSTAR’s Home Equity Loan rate remains steady at 4.740%, consistent over the past 30 days, providing a reliable fixed-rate option for borrowers seeking predictable payments. Meanwhile, the HELOC rate holds at 6.250%, unchanged for the month, offering flexible credit access without rate fluctuations. The stability in these rates supports well-informed borrowing decisions; fixed-rate loans suit homeowners prioritizing long-term cost certainty, while HELOCs appeal to those needing adaptable funds. For more details, visit https://www.qualstarcu.com/home-equity-loans.
LendMesh
You’ve worked hard for your home—now let your home return the favor. LendMesh makes it easy to explore home equity loans with competitive rates and no guesswork. See what’s possible at https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
Before diving into a home equity loan or HELOC, it’s crucial to assess your financial needs and repayment plans carefully. If you value flexibility and expect variable cash flow, like ongoing renovation expenses, a HELOC with Rockland’s unbeatable 3.000% rate could be ideal. However, if predictable monthly payments ease your stress, consider fixed-rate loans from Neighborhood or Listerhill credit unions. Remember, checking current rates regularly can save you thousands over time, and locking in a low rate now might protect you against future market fluctuations. Lastly, don’t rush, ensure your credit union understands your unique situation and offers transparent terms. With thoughtful planning and the right product choice, tapping into your home equity can empower your next big step confidently and affordably.