Introduction
As of October 2, 2026, homeowners looking to unlock the value in their homes have some compelling options for financing renovations, education, or debt consolidation. Whether you prefer the flexibility of a HELOC or the predictability of a fixed-rate home equity loan, today’s credit union rates offer opportunities to find a solution that fits your financial goals. Notably, Broadview Credit Union stands out with the lowest HELOC rates starting as low as 3.99%, ideal for borrowers seeking variable-rate access to funds. Meanwhile, fixed-rate loans from QUALSTAR and METRO Credit Unions offer steady payments starting around 4.74% and 4.75%, respectively, perfect for those who want certainty in budgeting. Borrowers with strong credit profiles may benefit most right now by locking in these competitive rates before any potential shifts later in the month. Understanding your borrowing needs will help you choose between flexible access or fixed repayment plans as you plan your next big move.
Home Equity Loans
| Lender | Product | 2026-10-02 Current | 2026-09-25 7 Days Ago | 2026-09-17 15 Days Ago | 2026-09-02 30 Days Ago | 2026-08-18 45 Days Ago | 2026-08-03 60 Days Ago | 2026-07-04 90 Days Ago | 2026-04-05 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| BROADVIEW FEDERAL CREDIT UNIONLOWEST | Heloc | 3.990 - 6.500% | 3.990 - 6.500% | 3.990 - 6.250% | 3.990 - 6.250% | 3.990 - 6.250% | 3.990 - 6.250% | 3.990 - 6.250% | 3.990 - 6.250% |
| AVADIAN CREDIT UNION | Heloc | 4.000 - 9.500% | 4.000 - 9.500% | 4.490 - 9.250% | 4.490 - 9.250% | 4.490 - 9.250% | 4.490 - 9.250% | 4.490 - 9.250% | N/A |
| QUALSTAR CREDIT UNION | Home Equity | 4.740% | 4.740% | 4.740% | 4.740% | 4.740% | 4.740% | 4.740% | N/A |
| METRO FEDERAL CREDIT UNION | Home Equity | 4.750 - 7.500% | 4.750 - 7.500% | N/A | 4.750 - 7.500% | N/A | 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 - 5.500% | 4.750 - 7.000% | 4.750 - 7.000% | 4.750 - 7.000% |
| TROPICAL FINANCIAL CREDIT UNION | Home Equity | 4.990 - 8.240% | 4.990 - 8.240% | 4.990 - 8.240% | 4.990 - 8.240% | 4.990 - 8.240% | 4.990 - 8.240% | 4.990 - 8.240% | 4.990 - 8.240% |
| PACIFIC SERVICE CREDIT UNION | Home Equity | 4.990 - 9.990% | 4.990 - 9.990% | 4.990 - 9.990% | 4.990 - 9.990% | 4.990 - 9.990% | 4.990 - 9.990% | 4.990 - 9.990% | 4.990 - 9.990% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | Home Equity | 5.000 - 6.500% | 5.000 - 6.500% | 5.000 - 6.500% | 5.000 - 6.500% | 5.000 - 6.500% | 5.000 - 6.500% | 5.000 - 6.500% | 5.000 - 6.500% |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION | Home Equity | 5.240% | 5.240% | 5.240% | 5.240% | 5.240% | 5.240% | 5.240% | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Home Equity | 5.240 - 8.240% | 5.240 - 8.240% | 4.990 - 7.990% | 4.990 - 7.990% | 4.990 - 7.990% | 4.990 - 7.990% | 4.990 - 7.990% | 4.990 - 7.990% |
| TROPICAL FINANCIAL CREDIT UNION | Heloc | 6.000% | 6.000% | 5.750% | 5.750% | 5.750% | 5.750% | 5.750% | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Heloc | 6.240 - 7.740%▲ 25 bps | 5.990 - 8.240% | 5.740 - 7.990% | 5.740 - 7.990% | 5.740 - 7.990% | 5.740 - 7.990% | 5.740 - 8.240% | 5.740 - 8.240% |
| QUALSTAR CREDIT UNION | Heloc | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | N/A |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION | Heloc | 6.250 - 7.000% | 6.250 - 7.000% | 6.000 - 6.750% | 6.000 - 6.750% | 6.000 - 6.750% | 6.000 - 6.750% | 6.000 - 6.750% | N/A |
| METRO FEDERAL CREDIT UNION | Heloc | 6.500% | 6.500% | 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% | N/A | 6.750 - 9.750% | 6.750 - 9.750% | N/A |
| PACIFIC SERVICE CREDIT UNION | Heloc | 6.750 - 8.750% | 6.750 - 8.750% | 6.750 - 8.750% | 6.750 - 8.750% | 6.750 - 8.750% | 6.750 - 8.750% | 6.750 - 8.750% | 6.750 - 8.750% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | Heloc | 7.000 - 9.000%▲ 25 bps | 6.750 - 8.750% | 6.750 - 8.750% | 6.750 - 8.750% | 6.750 - 8.750% | 6.750 - 8.750% | 6.750 - 8.750% | 6.750 - 8.750% |
| 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% | 7.250 - 8.250% | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
QUALSTAR CREDIT UNION
As of October 2, 2026, QUALSTAR's Home Equity Loan rate remains steady at 4.740%, maintaining consistency over the past month. Similarly, the HELOC rate holds firm at 6.250% with no changes in the last 30 days. The stable fixed rate on the Home Equity Loan provides a predictable repayment option for borrowers seeking long-term financing. Meanwhile, the HELOC offers flexible access to funds, ideal for homeowners requiring variable borrowing solutions without fluctuating rates. For clear terms and reliable lending options, explore QUALSTAR’s home equity products. For more details, visit https://www.qualstarcu.com/home-equity-loans.
AVADIAN CREDIT UNION
As of October 2, 2026, AVADIAN’s HELOC rates remain steady, holding at 4.000% to 9.500%, unchanged over the past week but slightly higher than mid-September’s low of 4.490%. Meanwhile, Home Equity Loan rates are stable at 7.250% to 8.250%, consistent over the last 30 days. For homeowners seeking flexibility, the HELOC option offers competitive variable rates ideal for ongoing access to funds. Those preferring predictability may consider the fixed-rate Home Equity Loans for long-term planning. For more details, visit https://www.avadiancu.com/rates.
METRO FEDERAL CREDIT UNION
As of October 2, 2026, METRO's Home Equity Loan rates remain steady between 4.750% and 7.500%, consistent over the past 30 days, offering reliable fixed-rate options for borrowers seeking long-term stability. Meanwhile, HELOC rates increased slightly from 6.250% to 6.500% over the last 15 days, reflecting a modest upward trend; however, HELOCs continue to provide flexible borrowing suited for ongoing home improvement or cash flow needs. For homeowners prioritizing predictable payments, the fixed-rate Home Equity Loan remains an attractive choice. For more details, visit https://www.metrocu.org/home-equity-rates#line-of-credit.
EAST TEXAS PROFESSIONAL CREDIT UNION
As of October 2, 2026, EAST TEXAS PROFESSIONAL maintains stable rates for its home equity products, with no changes over the past 30 days. Home Equity Loans continue to offer competitive fixed rates ranging from 4.750% to 7.000%, ideal for borrowers seeking predictable payments on long-term financing. Meanwhile, HELOCs remain priced between 6.750% and 9.750%, providing flexible credit access suitable for homeowners needing ongoing liquidity. With steady rates, now is a practical time to evaluate whether a fixed-rate loan or a line of credit best fits your financial goals. For more details, visit https://www.etpcu.org/mortgage-loan-rates.
TROPICAL FINANCIAL CREDIT UNION
As of October 2, 2026, TROPICAL FINANCIAL's Home Equity Loan rates remain steady between 4.990% and 8.240% APR, providing predictable fixed-rate options for borrowers seeking long-term stability. Meanwhile, the HELOC rate holds at 6.000%, unchanged from last week but slightly higher than the 5.750% seen 15 and 30 days ago. Homeowners looking for consistent payments may find the fixed-rate Home Equity Loans attractive, while those needing flexible borrowing could consider HELOCs despite the recent modest increase. For more details, visit https://www.tropicalfcu.com/best-florida-home-equity-loans-rates.
PACIFIC SERVICE CREDIT UNION
As of October 2, 2026, PACIFIC SERVICE Home Equity Loan rates remain steady between 4.990% and 9.990%, maintaining consistent terms over the past 30 days. Similarly, HELOC rates hold firm at 6.750% to 8.750%, offering stable access to flexible credit lines. The fixed-rate Home Equity Loans present an attractive option for borrowers seeking predictable payments over time, while HELOCs suit homeowners who prefer revolving credit for ongoing expenses or renovations. Stability in these rates supports confident borrowing decisions in today’s market environment. For more details, visit https://www.pacificservice.org/rates#tab4,
FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION
As of October 2, 2026, FIRST FINANCIAL OF MARYLAND’s Home Equity Loan rates remain steady at 5.000% to 6.500%, providing a reliable fixed-rate option for borrowers seeking predictable payments. Meanwhile, HELOC rates increased slightly to 7.000% to 9.000% from last week’s 6.750% to 8.750%, reflecting modest upward pressure on variable-rate products. Homeowners valuing flexibility may find HELOCs attractive despite this uptick, while those prioritizing stable long-term costs should consider the consistent home equity loan rates. For more details, visit https://www.firstfinancial.org/rates/mortgage-rates/.
MERCK SHARP & DOHME FEDERAL CREDIT UNION
As of October 2, 2026, MERCK SHARP & DOHME’s Home Equity Loan rate remains steady at 5.240%, offering a consistent fixed-rate option for borrowers seeking predictable payments. Meanwhile, HELOC rates range from 6.250% to 7.000%, up slightly from mid-September when rates were between 6.000% and 6.750%. This slight increase reflects typical market adjustments but still provides flexible borrowing options for homeowners needing access to funds over time. For those prioritizing stability, the fixed-rate home equity loan is an attractive choice; HELOCs suit those requiring revolving credit with variable rates. For more details, visit https://www.msdfcu.org/loans/home-loans/home-equity.
AMERICAN HERITAGE FEDERAL CREDIT UNION
As of October 2, 2026, AMERICAN HERITAGE’s Home Equity Loan rates remain steady at 5.240% to 8.240%, unchanged from one week ago but slightly higher than mid-September’s range. Meanwhile, HELOC rates increased modestly to 6.240% to 7.740% over the past week, reversing earlier declines seen in the previous 30 days. For borrowers seeking predictability, the fixed-rate Home Equity Loans offer a consistent option with competitive terms. Alternatively, HELOCs provide flexible credit access for homeowners who prefer revolving funds and variable payments. For more details, visit https://www.americanheritagecu.org/rates#homeEquity.
BROADVIEW FEDERAL CREDIT UNION
As of October 2, 2026, BROADVIEW’s HELOC rates remain steady at 3.990% to 6.500%, unchanged from one week ago but slightly higher than the 6.250% upper range seen 15 and 30 days ago. This suggests a modest increase in the variable rate portion over the past month. Homeowners seeking flexible borrowing options may find HELOCs attractive for managing expenses with accessible credit lines. Monitoring these rate trends can help determine optimal timing for borrowing or refinancing. For more details, visit https://www.broadviewfcu.com/personal/home-lending-solutions/home-equity-line-of-credit/.
LendMesh
Thinking about remodeling the kitchen or finally building that home office? A home equity loan can help bring those plans to life. At LendMesh, we compare offers from credit unions and banks so you can choose with confidence. Get started at https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re considering tapping into your home equity today, start by comparing both HELOC and fixed-rate loan options carefully, each serves different financial strategies. For ongoing projects or uncertain cash flow, a HELOC like Broadview’s low-rate offering provides adaptable funds at attractive rates. Conversely, if you prefer consistent monthly payments without surprises, locking in a fixed rate around 4.74% to 5% could save money over time. Remember to factor in your credit score and loan terms when evaluating offers. If rates feel borderline or your project timeline is flexible, waiting to monitor market trends over the next few weeks may be worthwhile since some lenders have held steady while others show slight movement. Above all, prioritize working with credit unions known for personalized service and transparent terms, ensuring your home equity decision supports your long-term financial wellness confidently and comfortably.