Introduction
As of September 18, 2026, homeowners looking to leverage their home equity have some encouraging options on the table. Whether you’re planning a major renovation, funding education expenses, or consolidating debt, understanding today’s rates can help you make a smart financial move. BLAZE Credit Union offers the lowest HELOC rates starting at an attractive 3.990%, providing flexible access to funds with competitive pricing that has remained stable over the past month. For those who prefer fixed-rate security, BLAZE’s home equity loans begin at 6.000%, consistent across recent weeks. If you value simplicity and predictability, LISTERHILL’s flat 4.000% HELOC rate also stands out as a solid choice without any fluctuations recently. Meanwhile, credit unions like CALIFORNIA and AVADIAN offer wider ranges but maintain steady rates this month, catering to borrowers with diverse credit profiles and loan amounts. Today’s steady rate environment means it’s a good moment for many homeowners ready to tap into their home equity confidently.
Home Equity Loans
| Lender | Product | 2026-09-18 Current | 2026-09-11 7 Days Ago | 2026-09-03 15 Days Ago | 2026-08-19 30 Days Ago | 2026-08-04 45 Days Ago | 2026-07-20 60 Days Ago | 2026-06-20 90 Days Ago | 2026-03-22 180 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% | 3.990 - 4.990% | N/A |
| LISTERHILL CREDIT UNION | Heloc | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | N/A |
| CALIFORNIA CREDIT UNION | Heloc | 4.000 - 12.000% | 4.000 - 12.000% | 4.000 - 12.000% | 5.990 - 9.250% | 5.990 - 9.250% | 5.990 - 9.250% | 7.750 - 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% | 4.490 - 9.250% | N/A |
| MAX CREDIT UNION | Heloc | 4.500% | 4.500% | 4.500% | 4.500% | 4.500% | 4.500% | 4.500% | 4.500% |
| QUALSTAR CREDIT UNION | Home Equity | 4.740% | 4.740% | 4.740% | 4.740% | 4.740% | 4.740% | 4.740 - 5.240% | N/A |
| METRO FEDERAL CREDIT UNION | Home Equity | 4.750 - 7.500% | 4.750 - 7.500% | 4.750 - 7.500% | N/A | 4.750 - 7.500% | 4.750 - 7.500% | N/A | 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% | 4.750 - 7.000% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | Home Equity | 4.990 - 6.440% | 4.990 - 6.440% | N/A | 4.990 - 6.240% | 4.990 - 6.240% | 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% |
| QUALSTAR CREDIT UNION | Heloc | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | N/A |
| METRO FEDERAL CREDIT UNION | Heloc | 6.500%▲ 25 bps | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | 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 |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | Heloc | 6.750 - 7.750% | 6.750 - 7.750% | 6.750 - 7.750% | 6.750 - 7.750% | 6.750 - 7.750% | 6.750 - 7.750% | 6.750 - 7.750% | 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 18, 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% with no recent fluctuations. The stable HELOC rates offer homeowners flexible borrowing options with predictable costs, while the fixed-rate Home Equity Loans provide reliable long-term payment certainty. Borrowers seeking accessible lending solutions may find these consistent rates favorable for planning their home improvement or debt consolidation needs. For more details, visit https://blazecu.com/personal/borrow/mortgage/rates#Home-Equity,
LISTERHILL CREDIT UNION
As of September 18, 2026, LISTERHILL’s HELOC rate remains steady at 4.000%, unchanged over the past 30 days. This consistent rate offers a reliable option for homeowners seeking flexible borrowing with no recent fluctuations. HELOCs provide adaptable access to funds, ideal for ongoing home improvements or unexpected expenses. With stable pricing, borrowers can plan confidently without concerns about rising costs. For more details, visit https://listerhill.com/borrowing/loans/home.
CALIFORNIA CREDIT UNION
As of September 18, 2026, CALIFORNIA Credit Union’s HELOC rates remain stable, holding steady at a range of 4.000% to 12.000% over the past 15 days. Notably, this reflects a decrease from the wider range seen 30 days ago, when rates extended up to 5.990% to 9.250%. This consistency provides predictable borrowing costs for homeowners seeking flexible access to equity. HELOCs may appeal to borrowers who prefer revolving credit with variable rates rather than fixed-term loans. For more details, visit https://www.ccu.com/borrow/personal/heloc/.
AVADIAN CREDIT UNION
As of September 18, 2026, AVADIAN’s HELOC rates remain steady between 4.490% and 9.250%, consistent over the past 30 days. 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 with predictable costs, while fixed-rate Home Equity Loans provide reliable long-term payment certainty. These consistent rates allow borrowers to plan effectively without concern for sudden shifts in borrowing costs. For more details, visit https://www.avadiancu.com/rates.
MAX CREDIT UNION
As of September 18, 2026, MAX’s HELOC rate remains steady at 4.500%, unchanged over the past 30 days. This consistent rate offers homeowners reliable and flexible access to funds without fluctuations. For borrowers seeking adaptable financing options, the HELOC at 4.500% presents a stable solution for managing home improvements or consolidating debt. While fixed-rate loans are not listed this week, the unchanged HELOC rate provides transparency and predictability in borrowing costs. For more details, visit https://www.mymax.com/save/personal-financial-rates.
QUALSTAR CREDIT UNION
As of September 18, 2026, QUALSTAR’s Home Equity Loan rate remains steady at 4.740%, maintaining consistent affordability for borrowers seeking fixed-rate options. The HELOC rate also holds firm at 6.250%, offering flexible access to funds without recent fluctuations. For homeowners valuing predictable monthly payments, the fixed-rate Home Equity Loan presents a reliable choice; meanwhile, the HELOC suits those needing revolving credit with variable draw periods. Both products demonstrate stable pricing over the past month, underscoring QUALSTAR’s commitment to accessible home equity lending solutions. For more details, visit https://www.qualstarcu.com/home-equity-loans.
METRO FEDERAL CREDIT UNION
As of September 18, 2026, METRO’s Home Equity Loan rates remain steady between 4.750% and 7.500%, offering consistent fixed-rate options for borrowers seeking predictable payments. Meanwhile, the HELOC rate increased slightly to 6.500% from 6.250% last week, reflecting a modest rise in variable borrowing costs. Homeowners who value flexible access to funds may find HELOCs appealing despite this small uptick, while those preferring stable payments can consider METRO’s fixed-rate home equity loans. For more details, visit https://www.metrocu.org/home-equity-rates#line-of-credit.
EAST TEXAS PROFESSIONAL CREDIT UNION
As of September 18, 2026, EAST TEXAS PROFESSIONAL’s Home Equity Loan rates remain steady between 4.750% and 7.000%, consistent over the past 30 days. Similarly, HELOC rates hold firm at 6.750% to 9.750% with no recent changes. The fixed-rate Home Equity Loan offers a reliable option for borrowers seeking predictable monthly payments and long-term stability. Meanwhile, HELOCs provide flexible credit access, ideal for homeowners who prefer borrowing on demand without fixed repayment schedules. Stability in these rates supports informed borrowing decisions in today’s market environment. For more details, visit https://www.etpcu.org/mortgage-loan-rates.
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION
As of September 18, 2026, ABERDEEN PROVING GROUND’s Home Equity Loan rates remain steady between 4.990% and 6.440%, consistent with last week and unchanged from 30 days ago except for a slight increase in the upper range from 6.240%. Meanwhile, HELOC rates hold firm at 6.750% to 7.750% over the past month. Homeowners seeking fixed payments may find the stable Home Equity Loan rates attractive for budgeting purposes, while those needing flexible borrowing should consider the HELOC option. For more details, visit https://www.apgfcu.com/rates/home-equity-rates.html.
LendMesh
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Conclusion
If you’re considering tapping your home equity now, start by comparing both HELOCs and fixed-rate home equity loans to see which fits your financial goals best, flexibility versus stability matters depending on your plans. With rates holding steady for most lenders this month, locking in a low rate like BLAZE’s 3.990% HELOC can be especially advantageous if you want ongoing access to funds for projects or emergencies. However, if you prefer predictable payments and plan a one-time expense, a fixed-rate loan may provide peace of mind despite slightly higher rates. Remember to check credit union eligibility and loan terms carefully, sometimes the best deal comes with member benefits beyond just the rate. Lastly, if your renovation or debt consolidation timeline is flexible and you anticipate market shifts ahead, keep monitoring rates but don’t wait too long, today’s stable environment is favorable for many borrowers ready to act thoughtfully on their home equity potential.