Introduction
If you’re a homeowner looking to renovate your space, fund education, or consolidate debt, tapping into your home equity can be a smart move, especially when rates are favorable. As of August 28, 2026, Diamond Credit Union offers the lowest HELOC rates starting at an impressive 2.99%, making it an attractive option for borrowers seeking flexible access to funds with variable rates. For those who prefer the predictability of a fixed-rate loan, Neighborhood Credit Union’s home equity loans range from 4.54% to 5.54%, holding steady over the past month. It’s worth noting that while most credit unions have kept their rates stable in recent weeks, California Credit Union saw a notable drop in HELOC rates this month, now starting as low as 4.00%, compared to nearly 6% just 30 days ago. Whether you want the flexibility of a HELOC or the stability of a fixed-rate loan, today’s market offers options for borrowers with varying financial goals and risk tolerance.
Home Equity Loans
| Lender | Product | 2026-08-28 Current | 2026-08-21 7 Days Ago | 2026-08-13 15 Days Ago | 2026-07-29 30 Days Ago | 2026-07-14 45 Days Ago | 2026-06-29 60 Days Ago | 2026-05-30 90 Days Ago | 2026-03-01 180 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% | 3.990 - 4.990% | N/A | N/A |
| LISTERHILL CREDIT UNION | Heloc | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | N/A | N/A |
| CALIFORNIA CREDIT UNION | Heloc | 4.000 - 12.000%▼ 199 bps | 5.990 - 9.250% | 5.990 - 9.250% | 5.990 - 9.250% | 5.990 - 9.250% | 5.990 - 9.250% | 5.990 - 9.250% | 4.000 - 12.000% |
| 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% | 4.500 - 7.250% | 5.300 - 7.250% | 4.500 - 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% | N/A |
| 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% |
| 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% | 6.750% | 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.
DIAMOND CREDIT UNION
As of August 28, 2026, DIAMOND's HELOC rates remain steady, holding firm at a range of 2.990% to 6.500% over the past 30 days. This consistency provides predictability for members considering flexible borrowing options. HELOCs are ideal for homeowners seeking adaptable access to funds with competitive variable rates. While no recent rate changes occurred, this stable pricing environment supports informed decision-making for short-term financing needs. For more details, visit https://diamondcu.org/home/home-equity-loans/.
BLAZE CREDIT UNION
As of August 28, 2026, BLAZE’s HELOC rates remain steady between 3.990% and 4.990%, showing no change over the past 30 days. Similarly, Home Equity Loan rates hold firm at 6.000% to 8.500%, maintaining consistent terms. The stable HELOC rates provide attractive flexibility for homeowners seeking revolving credit with predictable costs, while fixed-rate Home Equity Loans offer long-term certainty for borrowers planning larger projects or debt consolidation. For transparent lending options tailored to your needs, consider these consistent rates. For more details, visit https://blazecu.com/personal/borrow/mortgage/rates#Home-Equity.
LISTERHILL CREDIT UNION
As of August 28, 2026, LISTERHILL’s HELOC rate remains steady at 4.000%, unchanged over the past 30 days, offering consistent access to flexible home equity borrowing. The Home Equity Loan fixed rate holds at 6.750%, providing a stable option for borrowers seeking long-term predictability. Homeowners valuing flexibility may find the HELOC attractive due to its unchanged competitive rate, while those prioritizing fixed payments should consider the Home Equity Loan. For more details, visit https://listerhill.com/borrowing/loans/home.
CALIFORNIA CREDIT UNION
As of August 28, 2026, CALIFORNIA Credit Union’s HELOC rates range from 4.000% to 12.000% APR, showing a notable decline from the 5.990% to 9.250% range observed over the past 30 days. This wider rate spread today suggests more competitive options for borrowers with varying credit profiles. HELOCs remain a flexible choice for homeowners seeking revolving credit lines with variable rates, ideal for ongoing home improvements or emergency funds. Borrowers should assess their repayment plans carefully given the variable nature of these rates. For more details, visit https://www.ccu.com/borrow/personal/heloc/.
AVADIAN CREDIT UNION
As of August 28, 2026, AVADIAN’s HELOC rates remain steady between 4.490% and 9.250%, unchanged over the past 30 days. Similarly, Home Equity Loan rates hold firm from 7.250% to 8.250% with no recent fluctuations. For borrowers seeking flexible credit access, the stable HELOC option offers consistent variable rates. Meanwhile, those preferring predictable payments may find AVADIAN’s fixed-rate Home Equity Loans at competitive rates attractive for longer-term planning. For more details, visit https://www.avadiancu.com/rates.
MAX CREDIT UNION
As of August 28, 2026, MAX’s HELOC rate remains steady at 4.500%, unchanged over the past 30 days. This stability offers homeowners reliable access to flexible funds without rate volatility concerns. While no new rate shifts occurred, the consistent HELOC at 4.500% is an attractive option for those seeking revolving credit tied to home equity. For borrowers prioritizing adaptable financing solutions, MAX’s HELOC continues to provide transparent and accessible lending terms suited for varying financial needs. For more details, visit https://www.mymax.com/save/personal-financial-rates.
HAWAII STATE FEDERAL CREDIT UNION
As of August 28, 2026, HAWAII STATE’s HELOC rates remain stable at 4.500% to 7.250%, unchanged from both 7 and 15 days ago. Notably, the lower end of the range has decreased from 5.300% a month ago, offering more attractive borrowing costs for flexible credit access. Homeowners seeking adaptable financing may find these HELOC terms favorable, especially given the recent reduction in starting rates. For those valuing flexibility over fixed terms, this product provides competitive pricing in Hawaii’s market. For more details, visit https://hawaiistatefcu.com/personal/loans/home-loans/heloc/.
NEIGHBORHOOD CREDIT UNION
As of August 28, 2026, NEIGHBORHOOD’s Home Equity Loan rates remain stable at 4.540% to 5.540% APR, unchanged over the past 30 days. This consistency offers borrowers predictable financing costs, especially for those considering fixed-rate options. Home Equity Loans provide a solid choice for homeowners seeking a lump sum with fixed payments, while HELOCs typically suit those needing flexible access to funds, though NEIGHBORHOOD’s current HELOC rates are not listed. For reliable home equity financing with transparent terms, consider these steady rates from NEIGHBORHOOD.For more details, visit https://www.myncu.com/borrow/home/home-equity-loans.
QUALSTAR CREDIT UNION
As of August 28, 2026, QUALSTAR’s Home Equity Loan rate remains steady at 4.740%, showing no change over the past 30 days. This fixed-rate option offers consistent monthly payments, ideal for homeowners seeking long-term stability. Meanwhile, the HELOC rate holds firm at 6.250%, providing flexible credit access without rate fluctuations during the draw period. For those prioritizing predictable costs, the fixed Home Equity Loan is attractive; for borrowers needing revolving credit access, the HELOC remains a practical choice. For more details, visit https://www.qualstarcu.com/home-equity-loans.
LendMesh
Your future deserves strong financial footing. With the right home equity loan, you can fund dreams without draining savings. Start comparing options the smart way at https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
Before diving into a home equity loan or HELOC, take time to assess your financial needs and long-term plans. If you expect ongoing expenses like renovations or education costs spread over time, a HELOC with its lower starting rate at Diamond Credit Union could offer cost-effective flexibility. On the other hand, if you prefer predictable monthly payments and want to lock in current rates, consider fixed-rate loans such as those at Neighborhood or Qualstar Credit Unions. Also, watch for any upcoming rate changes, while rates are stable now, they can shift with market conditions. Finally, always factor in closing costs and terms alongside interest rates to ensure your choice fits your budget comfortably. By doing so, you’ll position yourself to leverage your home’s value wisely and confidently in today’s evolving lending landscape.