Introduction
If you’re a homeowner weighing options to fund renovations, education, or consolidate debt, understanding today’s home equity rates can make a big difference. As of September 4, 2026, some credit unions are offering exceptionally competitive HELOC rates starting as low as 3.99% through BLAZE Credit Union , one of the best deals available right now. Fixed-rate home equity loans tend to carry higher interest, with some rates beginning around 4.54% at Neighborhood Credit Union but generally hovering above 6% elsewhere. Whether you prefer the flexibility of a HELOC or the predictability of a fixed loan, these current rates favor borrowers who want low initial costs and adaptable borrowing options. For those prioritizing steady payments over time, fixed-rate loans remain solid choices despite their higher rates. Homeowners looking for stability or variable access to funds will find something worth considering among today’s offerings.
Home Equity Loans
| Lender | Product | 2026-09-04 Current | 2026-08-28 7 Days Ago | 2026-08-20 15 Days Ago | 2026-08-05 30 Days Ago | 2026-07-21 45 Days Ago | 2026-07-06 60 Days Ago | 2026-06-06 90 Days Ago | 2026-03-08 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| BLAZE CREDIT UNIONLOWEST | 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 | 4.000% |
| CALIFORNIA CREDIT UNION | Heloc | 4.000 - 12.000% | 4.000 - 12.000% | 5.990 - 9.250% | 5.990 - 9.250% | 5.990 - 9.250% | 5.990 - 9.250% | 4.000 - 12.000% | 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% |
| 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% | N/A | N/A |
| METRO FEDERAL CREDIT UNION | Home Equity | 4.750 - 7.500% | 4.750 - 7.500% | N/A | 4.750 - 7.500% | 4.750 - 7.500% | N/A | 4.750 - 7.500% | 4.750 - 7.500% |
| EAST TEXAS PROFESSIONAL CREDIT UNION | Home Equity | 4.750 - 7.000% | 4.750 - 7.000% | 4.750 - 7.000% | 4.750 - 7.000% | 4.750 - 7.000% | 4.750 - 7.000% | 4.750 - 7.000% | 4.750 - 7.000% |
| 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 |
| METRO FEDERAL 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 |
| EAST TEXAS PROFESSIONAL CREDIT UNION | Heloc | 6.750 - 9.750% | 6.750 - 9.750% | 6.750 - 9.750% | 6.750 - 9.750% | 6.750 - 9.750% | 6.750 - 9.750% | 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% | 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.
BLAZE CREDIT UNION
As of September 4, 2026, BLAZE’s HELOC rates remain steady between 3.990% and 4.990%, holding firm over the past 30 days. Similarly, Home Equity Loan rates continue unchanged at 6.000% to 8.500%. The consistent HELOC pricing offers flexible borrowing for homeowners seeking variable-rate access, while the fixed-rate Home Equity Loans provide predictable payments ideal for long-term planning. Members looking for stability might find the fixed loans attractive, whereas those needing ongoing liquidity could benefit from the HELOC’s flexibility. For more details, visit https://blazecu.com/personal/borrow/mortgage/rates#Home-Equity.
LISTERHILL CREDIT UNION
As of September 4, 2026, LISTERHILL’s HELOC rate remains steady at 4.000%, unchanged over the past 30 days, offering consistent access to flexible home equity financing. Meanwhile, the fixed-rate Home Equity Loan is available at 6.750%, holding firm for the last week and providing a stable option for borrowers seeking predictable payments. Homeowners who prefer flexible borrowing may find the HELOC’s stable rate appealing, while those prioritizing long-term fixed rates should consider the competitive Home Equity Loan. For more details, visit https://listerhill.com/borrowing/loans/home.
CALIFORNIA CREDIT UNION
As of September 4, 2026, CALIFORNIA Credit Union's HELOC rates remain stable, holding steady at a range of 4.000% to 12.000% APR over the past week and month. This stability follows a notable decrease from mid-August, when rates were between 5.990% and 9.250% APR. The current low-end rate near 4.000% makes their HELOC product an attractive option for homeowners seeking flexible borrowing with competitive pricing. For borrowers prioritizing adaptable credit access with predictable costs, these rates provide clear value in today’s market. For more details, visit https://www.ccu.com/borrow/personal/heloc/.
AVADIAN CREDIT UNION
As of September 4, 2026, AVADIAN’s HELOC rates remain steady between 4.490% and 9.250%, consistent over the past 30 days, offering homeowners flexible borrowing options with variable rates. The Home Equity Loan rates also hold firm at 7.250% to 8.250%, providing a stable fixed-rate choice for those seeking predictable payments. With no recent rate changes, borrowers can confidently evaluate their needs; HELOCs suit those requiring revolving credit access, while fixed-rate home equity loans appeal to members prioritizing long-term payment stability. For more details, visit https://www.avadiancu.com/rates.
MAX CREDIT UNION
As of September 4, 2026, MAX’s HELOC rate remains steady at 4.500%, unchanged over the past 30 days. This stability offers predictable costs for homeowners seeking flexible borrowing options. A HELOC at 4.500% is competitive for those needing revolving credit access without locking into fixed payments. Homeowners valuing adaptability in managing home equity should consider this product, as rates have shown no upward pressure recently. For more details, visit https://www.mymax.com/save/personal-financial-rates,
NEIGHBORHOOD CREDIT UNION
As of September 4, 2026, NEIGHBORHOOD Credit Union's Home Equity Loan rates remain steady, holding at a competitive range of 4.540% to 5.540% over the past 30 days. This consistent pricing offers reliable borrowing costs for members seeking fixed-rate options. Home equity loans provide predictable payments ideal for homeowners wanting long-term stability. While no rate changes occurred recently, these fixed rates continue to be an attractive choice for financing larger projects or debt consolidation. For those valuing flexible access, exploring HELOC options elsewhere may complement your financial strategy. For more details, visit https://www.myncu.com/borrow/home/home-equity-loans.
QUALSTAR CREDIT UNION
As of September 4, 2026, QUALSTAR’s Home Equity Loan rates remain steady at 4.740%, offering a reliable fixed-rate option for borrowers seeking predictable payments. Similarly, the HELOC rate holds firm at 6.250%, providing flexible access to funds without rate changes over the past 30 days. For homeowners valuing stability, the fixed-rate home equity loan is an attractive choice; those needing adaptable borrowing may prefer the HELOC’s revolving credit feature. No rate fluctuations indicate a stable borrowing environment this month. For more details, visit https://www.qualstarcu.com/home-equity-loans.
METRO FEDERAL CREDIT UNION
As of September 4, 2026, METRO’s Home Equity Loan rates remain steady between 4.750% and 7.500%, unchanged over the past 30 days, offering consistent fixed-rate options for borrowers seeking predictable payments. Meanwhile, the HELOC rate holds firm at 6.250%, providing stable access to revolving credit without rate fluctuations in the last month. For homeowners valuing long-term certainty, the fixed Home Equity Loan is an attractive choice; those needing flexible borrowing should consider the HELOC’s steady rate. For more details, visit https://www.metrocu.org/home-equity-rates#line-of-credit.
EAST TEXAS PROFESSIONAL CREDIT UNION
As of September 4, 2026, EAST TEXAS PROFESSIONAL maintains steady rates on its home equity products with no changes over the past 30 days. The Home Equity Loan offers a competitive fixed rate range of 4.750% to 7.000%, ideal for borrowers seeking predictable monthly payments. Meanwhile, the HELOC remains between 6.750% and 9.750%, providing flexible borrowing options for homeowners who need revolving credit access. Stability in rates allows members to plan confidently; those valuing long-term certainty may find the fixed-rate Home Equity Loan especially attractive. For more details, visit https://www.etpcu.org/mortgage-loan-rates.
LendMesh
Debt piling up? A home equity loan might offer a lower interest rate and a fresh financial start. At LendMesh, we help you compare options side-by-side so you can pay down debt the smart way. Learn more at https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
If tapping into your home’s equity is on your horizon, now is an excellent time to compare offers carefully, especially if you value low upfront interest costs and flexible repayment terms. For borrowers comfortable with variable rates and who need ongoing access to funds, a HELOC like BLAZE’s at just under 4% could save money in interest while providing financial agility. On the other hand, if you prefer predictability and plan a one-time lump sum for a major expense, exploring fixed-rate loans from Neighborhood or METRO might suit your needs better despite slightly higher rates. Always consider your budget and long-term plans: locking in a rate today can protect against potential future increases, but waiting may be wise if market trends suggest falling rates ahead. Lastly, consult with your credit union about fees and terms beyond interest rates, these details can affect your overall cost and satisfaction with your chosen product.