Introduction
As of September 25, 2026, homeowners looking to unlock the value in their property have some compelling options to consider. Whether you’re planning a renovation, funding education, or consolidating debt, tapping into your home equity can be a smart financial move. ROCKLAND Credit Union leads with the lowest HELOC rate at an impressive 3.00%, making it an excellent choice for borrowers seeking flexible access to funds with minimal interest costs. Meanwhile, fixed-rate home equity loans tend to carry higher rates, with ROCKLAND’s fixed loan range holding steady between 6.375% and 7.500%. It’s worth noting that most credit unions have maintained consistent rates over the past month, providing stability for those ready to act now. If you prefer predictable payments, fixed-rate options from BLAZE or METRO might appeal despite their slightly higher rates. For borrowers who value flexibility and lower upfront costs, exploring HELOC programs, especially those with competitive low rates, could offer significant savings and convenience today.
Home Equity Loans
| Lender | Product | 2026-09-25 Current | 2026-09-18 7 Days Ago | 2026-09-10 15 Days Ago | 2026-08-26 30 Days Ago | 2026-08-11 45 Days Ago | 2026-07-27 60 Days Ago | 2026-06-27 90 Days Ago | 2026-03-29 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| ROCKLAND FEDERAL CREDIT UNIONLOWEST | Heloc | 3.000% | N/A | N/A | N/A | 3.000% | N/A | 3.000% | N/A |
| VENTURA COUNTY CREDIT UNION | Heloc | 3.990% | 3.990 - 7.750% | 3.990 - 7.750% | 3.990 - 7.750% | 3.990 - 7.750% | 3.990 - 7.750% | 3.990 - 7.750% | 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% | 4.000% | 4.000% |
| CALIFORNIA CREDIT UNION | Heloc | 4.000 - 12.000% | 4.000 - 12.000% | 4.000 - 12.000% | 4.000 - 12.000% | 5.990 - 9.250% | 5.990 - 9.250% | 5.990 - 9.250% | 5.990% |
| AVADIAN CREDIT UNION | Heloc | 4.000 - 9.500%▼ 49 bps | 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% | N/A |
| 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% | N/A | 4.750 - 7.500% | 4.750 - 7.500% | 4.750 - 7.500% | N/A | 4.750 - 7.500% |
| 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 |
| ROCKLAND FEDERAL CREDIT UNION | Home Equity | 6.375 - 7.500% | 6.375 - 7.500% | 6.375 - 7.500% | 6.375 - 7.500% | 6.375 - 7.500% | 6.375 - 7.500% | N/A | 6.375 - 7.375% |
| METRO FEDERAL CREDIT UNION | Heloc | 6.500% | 6.500% | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | 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.
ROCKLAND FEDERAL CREDIT UNION
As of September 25, 2026, ROCKLAND’s HELOC rate remains steady at 3.000%, offering a competitive option for borrowers seeking flexible access to funds. The Home Equity Loan rates hold firm between 6.375% and 7.500%, with no change over the past month. For homeowners preferring predictable payments, the fixed-rate home equity loans provide stability amid consistent pricing. Meanwhile, the low-rate HELOC continues to appeal for short-term financing needs or ongoing projects requiring revolving credit. For more details, visit https://www.rfcu.com/resources/information/rates/#Equity_Rates_Anchor,
VENTURA COUNTY CREDIT UNION
As of September 25, 2026, VENTURA COUNTY’s HELOC rate remains steady at 3.990%, holding firm over the past 30 days without fluctuation. This consistent rate provides a reliable option for homeowners seeking flexible borrowing with predictable costs. A HELOC at 3.990% is competitive for those needing ongoing access to funds, making it a practical choice for home improvements or debt consolidation. Keep in mind that while fixed-rate loans offer long-term stability, this HELOC’s unchanged rate supports adaptable financing needs. For more details, visit https://www.vccuonline.net/About/Rates/Mortgage-Rates.
BLAZE CREDIT UNION
As of September 25, 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% for the same period. This stability offers predictability for borrowers considering either flexible credit access via HELOCs or fixed-rate financing through home equity loans. HELOCs provide adaptable borrowing options for homeowners seeking ongoing access to funds, while fixed-rate home equity loans may suit those prioritizing consistent payments over time. For more details, visit https://blazecu.com/personal/borrow/mortgage/rates#Home-Equity,
LISTERHILL CREDIT UNION
As of September 25, 2026, LISTERHILL’s HELOC rate remains steady at 4.000%, unchanged over the past 30 days. This consistent rate offers predictable borrowing costs for homeowners seeking flexible access to funds. A HELOC at 4.000% is an attractive option for those who value revolving credit without long-term fixed commitments. Homeowners planning variable use of home equity may find this product well-suited to their needs given its stability. For more details, visit https://listerhill.com/borrowing/loans/home.
CALIFORNIA CREDIT UNION
As of September 25, 2026, California Credit Union’s HELOC rates remain steady at 4.000% to 12.000%, showing no change over the past 30 days. This consistent range offers borrowers predictable terms for flexible borrowing. HELOCs are ideal for homeowners seeking adaptable credit lines with variable rates that accommodate changing financial needs. While no fixed-rate home equity loans are currently listed, this stable HELOC option provides accessible financing with transparent pricing. For more details, visit https://www.ccu.com/borrow/personal/heloc/.
MAX CREDIT UNION
As of September 25, 2026, MAX’s HELOC rate remains steady at 4.500%, unchanged over the past 30 days. This consistent pricing provides a reliable option for homeowners seeking flexible borrowing without rate fluctuations. HELOCs are well-suited for those needing ongoing access to funds with interest charged only on amounts used. While no recent rate shifts occurred, the stable 4.500% rate offers predictable costs compared to variable market conditions. For detailed terms and current rates, visit https://www.mymax.com/save/personal-financial-rates,
QUALSTAR CREDIT UNION
As of September 25, 2026, QUALSTAR’s Home Equity Loan rates remain steady at 4.740%, offering a consistent fixed-rate option ideal for borrowers seeking predictable monthly payments. Similarly, the HELOC rate holds firm at 6.250%, providing flexible credit access without recent fluctuations. For homeowners valuing long-term stability, the fixed-rate home equity loan presents an attractive choice; those needing revolving credit for variable expenses may find the HELOC beneficial. Both products maintain stable pricing over the past month, ensuring transparent and reliable lending terms.For more details, visit https://www.qualstarcu.com/home-equity-loans.
AVADIAN CREDIT UNION
AVADIAN’s HELOC rates have decreased at the lower end from 4.490% to 4.000% over the past week, providing more affordable access to flexible credit. The upper range rose slightly to 9.500%, reflecting varied borrower profiles. Meanwhile, Home Equity Loan rates remain stable at 7.250% to 8.250%, offering consistent fixed-rate options for borrowers seeking predictable payments. For homeowners wanting flexible funds, the current HELOC rates present an attractive opportunity, while fixed-rate loans continue to serve those prioritizing long-term stability. For more details, visit https://www.avadiancu.com/rates,
METRO FEDERAL CREDIT UNION
As of September 25, 2026, METRO’s Home Equity Loan rates remain steady between 4.750% and 7.500%, unchanged over the past month, providing a reliable fixed-rate option for borrowers seeking long-term stability. Meanwhile, the HELOC rate holds at 6.500%, up slightly from 6.250% fifteen and thirty days ago, reflecting a modest increase in flexible borrowing costs. Homeowners looking for predictable payments may favor the fixed-rate Home Equity Loan, while those needing revolving credit might consider the HELOC despite its recent small uptick. For more details, visit https://www.metrocu.org/home-equity-rates#line-of-credit.
LendMesh
What if your next project didn’t require a new loan—just a better one? Reinvest in your home with a loan that works on your terms. Discover how LendMesh helps you borrow better: https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re considering tapping into your home equity now, start by comparing both HELOC and fixed-rate loan options carefully to match your financial goals and repayment comfort. A HELOC with a low rate like ROCKLAND’s 3.00% can be ideal for ongoing expenses such as renovations or education since it offers variable access to funds. However, if you want predictability in monthly payments and long-term budgeting ease, a fixed-rate home equity loan may suit you better, even though rates are generally higher. Keep in mind that current rates have been stable recently, so there’s no urgent rush but also no harm in locking in a favorable rate if your project timeline is near. Finally, always check eligibility requirements and fees alongside interest rates to ensure the overall deal fits your needs. By doing your homework and acting thoughtfully, you can make your home equity work best for you, whether now or in the near future.