--- title: "Credit Union HELOC Rates (Sep 2026): Lowest APR, Median & Lenders by State" description: "Credit union HELOC rates, September 2026: lowest 4.00% APR at 1st Advantage (VA), credit union median 6.50% APR across 854 credit unions. Verified from rate sheets September 25, 2026; no paid ranking." canonical: "https://rateapi.dev/heloc-rates" last-updated: "2026-09-27" source: "https://rateapi.dev/llms.txt" --- # Credit Union HELOC Rates (September 2026) Home equity line of credit rates published by 854 US credit unions, verified from their own rate sheets. Lowest 4.00% APR, credit union median 6.50% APR. No paid placement — ranked by rate, not by who pays us. Last updated: September 25, 2026 Developers & AI agents: this data is available as JSON at [`GET https://api.rateapi.dev/v1/benchmarks?product_type=heloc`](https://api.rateapi.dev/v1/benchmarks?product_type=heloc) — free API key in one request (`POST https://api.rateapi.dev/keys` , email plus an idempotency UUID). MCP server: [rateapi.dev/mcp](https://rateapi.dev/mcp) . [Home](https://rateapi.dev/) / HELOC Rates **The credit union median HELOC rate is 6.50% APR** as of September 25, 2026, across 854 credit unions tracked by RateAPI. The lowest published HELOC rate is 4.00% APR at 1st Advantage (VA); the highest is 15.00% APR. > Source: [RateAPI.dev/heloc-rates](https://rateapi.dev/heloc-rates) (verified September 25, 2026) Benchmark ## Credit Union HELOC Rate Benchmark Lowest, median and highest HELOC APR across 854 credit unions, as of September 25, 2026 4.00% Lowest APR · 1st Advantage (VA) 6.50% Credit union median APR 15.00% Highest APR 854 Credit unions publishing a HELOC rate Lenders ## Lowest Credit Union HELOC Rates Right Now The lowest published HELOC APRs among credit unions sampled across ten large states, on a $100,000 line. Membership is required; final terms follow underwriting. | # | Credit union | State | HELOC APR | | 1 | **International Uaw Credit Union** | MI | 3.50% | | 2 | **Chartway Credit Union** | VA | 3.69% | | 3 | **People Driven Credit Union** | MI | 3.74% | | 4 | **City Credit Union** | TX | 3.75% | | 5 | **U.f.c.w. Local 23 Credit Union** | PA | 3.90% | | 6 | **Everence Credit Union** | PA | 3.99% | | 7 | **Total Community Credit Union** | MI | 3.99% | | 8 | **Saint Lawrence Credit Union** | NY | 4.00% | | 9 | **1st Advantage Credit Union** | VA | 4.00% | | 10 | **Richmond Virginia Fire Police Credi Credit Union** | VA | 4.00% | Published member rates from each credit union's own site, verified September 25, 2026. Not an offer or pre-approval. See the [rate methodology](https://rateapi.dev/methodology) and [independence policy](https://rateapi.dev/independence) . By State ## Credit Union HELOC Rates by State Every state page lists the credit unions serving it, their current HELOC APR, the state's lowest and median, and who can join. [AlabamaAL](https://rateapi.dev/heloc-rates/alabama) [AlaskaAK](https://rateapi.dev/heloc-rates/alaska) [ArizonaAZ](https://rateapi.dev/heloc-rates/arizona) [ArkansasAR](https://rateapi.dev/heloc-rates/arkansas) [CaliforniaCA](https://rateapi.dev/heloc-rates/california) [ColoradoCO](https://rateapi.dev/heloc-rates/colorado) [ConnecticutCT](https://rateapi.dev/heloc-rates/connecticut) [DelawareDE](https://rateapi.dev/heloc-rates/delaware) [FloridaFL](https://rateapi.dev/heloc-rates/florida) [GeorgiaGA](https://rateapi.dev/heloc-rates/georgia) [HawaiiHI](https://rateapi.dev/heloc-rates/hawaii) [IdahoID](https://rateapi.dev/heloc-rates/idaho) [IllinoisIL](https://rateapi.dev/heloc-rates/illinois) [IndianaIN](https://rateapi.dev/heloc-rates/indiana) [IowaIA](https://rateapi.dev/heloc-rates/iowa) [KansasKS](https://rateapi.dev/heloc-rates/kansas) [KentuckyKY](https://rateapi.dev/heloc-rates/kentucky) [LouisianaLA](https://rateapi.dev/heloc-rates/louisiana) [MaineME](https://rateapi.dev/heloc-rates/maine) [MarylandMD](https://rateapi.dev/heloc-rates/maryland) [MassachusettsMA](https://rateapi.dev/heloc-rates/massachusetts) [MichiganMI](https://rateapi.dev/heloc-rates/michigan) [MinnesotaMN](https://rateapi.dev/heloc-rates/minnesota) [MississippiMS](https://rateapi.dev/heloc-rates/mississippi) [MissouriMO](https://rateapi.dev/heloc-rates/missouri) [MontanaMT](https://rateapi.dev/heloc-rates/montana) [NebraskaNE](https://rateapi.dev/heloc-rates/nebraska) [NevadaNV](https://rateapi.dev/heloc-rates/nevada) [New HampshireNH](https://rateapi.dev/heloc-rates/new-hampshire) [New JerseyNJ](https://rateapi.dev/heloc-rates/new-jersey) [New MexicoNM](https://rateapi.dev/heloc-rates/new-mexico) [New YorkNY](https://rateapi.dev/heloc-rates/new-york) [North CarolinaNC](https://rateapi.dev/heloc-rates/north-carolina) [North DakotaND](https://rateapi.dev/heloc-rates/north-dakota) [OhioOH](https://rateapi.dev/heloc-rates/ohio) [OklahomaOK](https://rateapi.dev/heloc-rates/oklahoma) [OregonOR](https://rateapi.dev/heloc-rates/oregon) [PennsylvaniaPA](https://rateapi.dev/heloc-rates/pennsylvania) [Rhode IslandRI](https://rateapi.dev/heloc-rates/rhode-island) [South CarolinaSC](https://rateapi.dev/heloc-rates/south-carolina) [South DakotaSD](https://rateapi.dev/heloc-rates/south-dakota) [TennesseeTN](https://rateapi.dev/heloc-rates/tennessee) [TexasTX](https://rateapi.dev/heloc-rates/texas) [UtahUT](https://rateapi.dev/heloc-rates/utah) [VermontVT](https://rateapi.dev/heloc-rates/vermont) [VirginiaVA](https://rateapi.dev/heloc-rates/virginia) [WashingtonWA](https://rateapi.dev/heloc-rates/washington) [West VirginiaWV](https://rateapi.dev/heloc-rates/west-virginia) [WisconsinWI](https://rateapi.dev/heloc-rates/wisconsin) [WyomingWY](https://rateapi.dev/heloc-rates/wyoming) [District of ColumbiaDC](https://rateapi.dev/heloc-rates/district-of-columbia) [Puerto RicoPR](https://rateapi.dev/heloc-rates/puerto-rico) [GuamGU](https://rateapi.dev/heloc-rates/guam) [Virgin IslandsVI](https://rateapi.dev/heloc-rates/virgin-islands) [NationwideXX](https://rateapi.dev/heloc-rates/nationwide) ## How Credit Union HELOC Rates Work **HELOC rates** are the interest charged on a home equity line of credit. Most are variable — the prime rate plus a margin the credit union sets — and many credit unions add an introductory rate for the first 6-12 months, a rate floor, and a fixed-rate lock option on part of the balance. You draw for about 10 years, then repay for 15-20. Credit unions are member-owned, so their margins over prime and their closing costs tend to be lower than for-profit lenders'. The spread between the lowest and the median rate on this page is the reason to shop: two credit unions in the same state can be a full point apart on an identical line. Related: [credit union mortgage rates today](https://rateapi.dev/current-mortgage-rates) , [personal loan rates](https://rateapi.dev/personal-loan-rates) , [should I refinance?](https://rateapi.dev/should-i-refinance) . Building on the data? See the [HELOC rate API guide](https://rateapi.dev/what-is-heloc-rate-api) . FAQ ## Frequently Asked Questions Quick answers about credit union HELOC rates As of September 25, 2026, the credit union median HELOC rate is 6.50% APR across 854 credit unions tracked by RateAPI. The lowest published HELOC rate is 4.00% APR at 1st Advantage (VA); the highest is 15.00% APR. Your rate depends on your credit score, combined loan-to-value and the credit union's margin over prime. What is the current credit union HELOC rate? Most HELOC rates are variable: the prime rate plus a margin set by the lender (for example Prime + 0.50%). Many credit unions offer an introductory rate for the first 6-12 months. A HELOC has a draw period (usually 10 years) when you can borrow, then a repayment period (usually 15-20 years). Some credit unions also publish fixed-rate HELOC options or fixed-rate lock features on a portion of the balance. How do HELOC rates work? Credit unions are member-owned, not-for-profit institutions, so they tend to set lower margins over prime and charge lower (or no) closing costs than for-profit lenders. The figures on this page are the published member rates from each credit union's own site; membership is required before you can borrow. Why are credit union HELOC rates lower? A HELOC is a revolving line of credit, usually at a variable rate — you borrow as needed up to your limit. A home equity loan is a lump sum at a fixed rate with fixed payments. HELOCs suit ongoing or uncertain needs; home equity loans suit a single known amount. What is the difference between a HELOC and a home equity loan? Use the state grid on this page. Each state page lists the credit unions serving that state with their current HELOC APR, the lowest and median for the state, and who can join each credit union. Rates outside our freshness window are suppressed, so an empty state means nothing fresh enough was published, not that no HELOCs exist. How do I find the lowest HELOC rate in my state? A HELOC adds a second, variable-rate line while keeping your existing first mortgage. A cash-out refinance replaces your first mortgage at a new fixed rate. If your current mortgage rate is below today's credit union median, a HELOC usually preserves more value; compare on the current mortgage rates page. Should I get a HELOC or a cash-out refinance? Yes. GET https://api.rateapi.dev/v1/benchmarks?product_type=heloc returns the national and per-state benchmark; POST https://api.rateapi.dev/v1/decisions with product_type "heloc" returns ranked credit union offers for a state and credit line amount. The free tier needs only an email. Can I get this HELOC rate data through an API? Developers ## Get This HELOC Rate Data via API Every number on this page comes from the same endpoints. Free tier; no card. `GET /v1/benchmarks?product_type=heloc` returns the national and per-state benchmark above (lowest, median, highest, count, as_of).`POST /v1/decisions` returns ranked credit union HELOC offers for a state and credit line: cURL HELOC offers for California Copy curl - X POST "https://api.rateapi.dev/v1/decisions" \ - H "Authorization: Bearer YOUR_API_KEY" \ - H "Content-Type: application/json" \ - d '{ "decision_type" : "financing" , "context" : { "geo" : { "state" : "CA" } } , "product_request" : { "product_type" : "heloc" , "intent" : "new_credit" , "amount" : 100000 } } ' Responses carry APR, margin over prime, introductory rate and period, draw and repayment terms, and the source URL behind each rate. Read the [HELOC rate API guide](https://rateapi.dev/what-is-heloc-rate-api) or the [API reference](https://api.rateapi.dev/) . Get a Free API Key [API Documentation](https://api.rateapi.dev/) National context ## National HELOC rate context Zoom out from state-level data to the national picture and our cross-product benchmark. Current HELOC Rates → Today's home equity line rates and draw terms across US credit unions. Credit Union Rate Index → The national benchmark tracking credit union rates across every product we cover. Credit Union vs Bank Rates → How credit union pricing compares with bank pricing, product by product. RateAPI RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence. 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