Lowest credit union HELOC rates
A home equity line of credit lets you borrow against your home's value and pay interest only on what you actually draw. Credit unions often pair competitive APRs with lower closing costs. Compare the lowest rates below.
Rates are being gathered
We're onboarding credit unions publishing their heloc rates. In the meantime, find credit unions you can join or browse the directory.
Rates are published by each credit union and may not reflect the latest offer or your eligibility. Confirm current terms on the credit union's page before applying.
Frequently asked questions
How does a HELOC rate work?
Most HELOCs are variable: the rate is an index such as the Prime Rate plus a margin, so it moves as rates change. Many lenders offer a lower fixed intro APR for an opening period before the variable rate takes over.
How much can I borrow with a HELOC?
Lenders typically allow a combined loan-to-value of 80-90%, meaning your mortgage balance plus the new line can total up to that share of your home's appraised value.