--- title: "Virginia Credit Union HELOC Rates" description: "19 Virginia credit unions compared, October 2026: HELOCs from 4.00% APR at 1st Advantage. Verified from real credit union rate sheets — no paid ranking, no affiliate links." canonical: "https://rateapi.dev/heloc-rates/virginia" last-updated: "2026-10-09" source: "https://rateapi.dev/llms.txt" --- # Virginia Credit Union HELOC Rates Compare home equity line of credit rates from credit unions in Virginia. These are revolving HELOC offers, not first-mortgage rates. Today's best rate: 4.00% APR at 1st Advantage. Tap into your home equity with lower rates than banks. Updated October 2026 64 Credit Unions [Home](https://rateapi.dev/) / [HELOC Rates](https://rateapi.dev/heloc-rates) / Virginia 4.00% Lowest APR 1st Advantage 6.50% Median APR 7.99% Highest APR 19 Institutions Virginia HELOC rates range from 4.00% to 7.99% APR. Data from 64 credit unions, updated October 2026. > Source: [RateAPI.dev](https://rateapi.dev/heloc-rates/virginia) ## Top Virginia Credit Unions for HELOCs As of October 2026, HELOC rates in Virginia range from 4.00% to 7.99% APR across 19 credit unions, with a median of 6.50% APR. Ranked by lowest APR, based on a $100,000 credit line. See our [methodology](https://rateapi.dev/methodology) for how rates are collected, or browse [HELOC rates nationwide](https://rateapi.dev/heloc-rates) . | Credit Union | Rate | APR | Est. Payment | | Chartway Credit Union HELOC (Variable) | 3.69% | 3.69% | $460/mo | [Visit Site](https://www.chartway.com/) | 1st Advantage Credit Union HELOC (Variable) | 3.99% | 4% | $477/mo | [Visit Site](https://www.1stadvantage.org/) | Richmond Virginia Fire Police Credi Credit Union HELOC (Variable) | 4% | 4% | $477/mo | [Visit Site](https://firepolicecu.org/) | Bronco Credit Union Home Equity Loan (Fixed) | 5% | 5% | $537/mo | [Visit Site](https://www.broncofcu.com/) | State Department Credit Union Home Equity Loan | 5.24% | 5.24% | $552/mo | [Visit Site](https://www.sdfcu.org/) | ## How to Get the Best HELOC Rate in Virginia A HELOC lets you borrow against your home's equity with a flexible line of credit. Here's how to secure the best rate in Virginia: 1 #### Build Significant Equity Most lenders require at least 15-20% equity in your home. The more equity you have, the better rates and terms you'll qualify for. 2 #### Improve Your Debt-to-Income Ratio Lenders want your total monthly debt payments (including the HELOC) to be under 43% of your gross income. 3 #### Consider Rate Lock Options Some HELOCs offer fixed-rate portions that protect against rising rates. This can be valuable in a rising rate environment. 4 #### Compare Fees Carefully Look beyond the rate to annual fees, closing costs, and early termination fees. Credit unions often have lower fees than banks. ### HELOC Rates in Nearby States [Kentucky](https://rateapi.dev/heloc-rates/kentucky) [Maryland](https://rateapi.dev/heloc-rates/maryland) [North Carolina](https://rateapi.dev/heloc-rates/north-carolina) [Tennessee](https://rateapi.dev/heloc-rates/tennessee) [West Virginia](https://rateapi.dev/heloc-rates/west-virginia) [District of Columbia](https://rateapi.dev/heloc-rates/district-of-columbia) ### Other Loan Products in Virginia [Virginia Credit Unions](https://rateapi.dev/credit-unions/virginia) [First-Mortgage Rates in Virginia](https://rateapi.dev/mortgage-rates/virginia) [Virginia Auto Loan Rates](https://rateapi.dev/auto-loan-rates/virginia) [Virginia Personal Loan Rates](https://rateapi.dev/personal-loan-rates/virginia) ## Frequently Asked Questions Common questions about HELOC rates in Virginia As of October 2026, HELOC rates in Virginia range from 4.00% to 7.99% APR across credit unions. Most HELOCs have variable rates tied to the Prime Rate. What are the current HELOC rates in Virginia? Most lenders in Virginia allow you to borrow up to 80-85% of your home's value minus your mortgage balance. For example, if your home is worth $500,000 and you owe $300,000, you could potentially access $100,000-$125,000 through a HELOC. How much home equity can I borrow in Virginia? Yes, credit unions in Virginia typically offer lower HELOC rates than traditional banks. As member-owned institutions, they pass savings to members through lower rates, fewer fees, and more flexible terms. Are credit union HELOCs better than bank HELOCs in Virginia? For the best HELOC rates in Virginia, aim for a credit score of 720 or higher. Most lenders require a minimum of 620-680, but higher scores unlock better rates and higher credit limits. What credit score do I need for a HELOC in Virginia? Compare APRs across multiple credit unions rather than a single lender. The table above ranks Virginia credit unions by lowest APR, and joining a credit union is usually as simple as opening a small savings account. How do I find the lowest HELOC rate in Virginia? Most HELOCs in Virginia carry a variable rate tied to the Prime Rate, so your payment can change as rates move. Some credit unions let you lock a fixed-rate portion of your balance for predictable payments. Is a HELOC a variable or fixed rate in Virginia? ### HELOC Rates by City in Virginia [Virginia Beach](https://rateapi.dev/heloc-rates/virginia/virginia-beach) [Alexandria](https://rateapi.dev/heloc-rates/virginia/alexandria) [Richmond](https://rateapi.dev/heloc-rates/virginia/richmond) [Newport News](https://rateapi.dev/heloc-rates/virginia/newport-news) [Hopewell](https://rateapi.dev/heloc-rates/virginia/hopewell) [Lynchburg](https://rateapi.dev/heloc-rates/virginia/lynchburg) [Norfolk](https://rateapi.dev/heloc-rates/virginia/norfolk) [Roanoke](https://rateapi.dev/heloc-rates/virginia/roanoke) [Arlington](https://rateapi.dev/heloc-rates/virginia/arlington) [Bristol](https://rateapi.dev/heloc-rates/virginia/bristol) [Chesapeake](https://rateapi.dev/heloc-rates/virginia/chesapeake) [Harrisonburg](https://rateapi.dev/heloc-rates/virginia/harrisonburg) [North Chesterfi](https://rateapi.dev/heloc-rates/virginia/north-chesterfi) [Hampton](https://rateapi.dev/heloc-rates/virginia/hampton) [Portsmouth](https://rateapi.dev/heloc-rates/virginia/portsmouth) [Suffolk](https://rateapi.dev/heloc-rates/virginia/suffolk) ### HELOC Rates by State [Alabama](https://rateapi.dev/heloc-rates/alabama) [Alaska](https://rateapi.dev/heloc-rates/alaska) [Arizona](https://rateapi.dev/heloc-rates/arizona) [Arkansas](https://rateapi.dev/heloc-rates/arkansas) [California](https://rateapi.dev/heloc-rates/california) [Colorado](https://rateapi.dev/heloc-rates/colorado) [Connecticut](https://rateapi.dev/heloc-rates/connecticut) [Delaware](https://rateapi.dev/heloc-rates/delaware) [Florida](https://rateapi.dev/heloc-rates/florida) [Georgia](https://rateapi.dev/heloc-rates/georgia) [Hawaii](https://rateapi.dev/heloc-rates/hawaii) [Idaho](https://rateapi.dev/heloc-rates/idaho) [Illinois](https://rateapi.dev/heloc-rates/illinois) [Indiana](https://rateapi.dev/heloc-rates/indiana) [Iowa](https://rateapi.dev/heloc-rates/iowa) [Kansas](https://rateapi.dev/heloc-rates/kansas) [Kentucky](https://rateapi.dev/heloc-rates/kentucky) [Louisiana](https://rateapi.dev/heloc-rates/louisiana) [Maine](https://rateapi.dev/heloc-rates/maine) [Maryland](https://rateapi.dev/heloc-rates/maryland) [Massachusetts](https://rateapi.dev/heloc-rates/massachusetts) [Michigan](https://rateapi.dev/heloc-rates/michigan) [Minnesota](https://rateapi.dev/heloc-rates/minnesota) [Mississippi](https://rateapi.dev/heloc-rates/mississippi) [Missouri](https://rateapi.dev/heloc-rates/missouri) [Montana](https://rateapi.dev/heloc-rates/montana) [Nebraska](https://rateapi.dev/heloc-rates/nebraska) [Nevada](https://rateapi.dev/heloc-rates/nevada) [New Hampshire](https://rateapi.dev/heloc-rates/new-hampshire) [New Jersey](https://rateapi.dev/heloc-rates/new-jersey) [New Mexico](https://rateapi.dev/heloc-rates/new-mexico) [New York](https://rateapi.dev/heloc-rates/new-york) [North Carolina](https://rateapi.dev/heloc-rates/north-carolina) [North Dakota](https://rateapi.dev/heloc-rates/north-dakota) [Ohio](https://rateapi.dev/heloc-rates/ohio) [Oklahoma](https://rateapi.dev/heloc-rates/oklahoma) [Oregon](https://rateapi.dev/heloc-rates/oregon) [Pennsylvania](https://rateapi.dev/heloc-rates/pennsylvania) [Rhode Island](https://rateapi.dev/heloc-rates/rhode-island) [South Carolina](https://rateapi.dev/heloc-rates/south-carolina) [South Dakota](https://rateapi.dev/heloc-rates/south-dakota) [Tennessee](https://rateapi.dev/heloc-rates/tennessee) [Texas](https://rateapi.dev/heloc-rates/texas) [Utah](https://rateapi.dev/heloc-rates/utah) [Vermont](https://rateapi.dev/heloc-rates/vermont) [Virginia](https://rateapi.dev/heloc-rates/virginia) [Washington](https://rateapi.dev/heloc-rates/washington) [West Virginia](https://rateapi.dev/heloc-rates/west-virginia) [Wisconsin](https://rateapi.dev/heloc-rates/wisconsin) [Wyoming](https://rateapi.dev/heloc-rates/wyoming) [District of Columbia](https://rateapi.dev/heloc-rates/district-of-columbia) 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 HELOC Rates → How credit union HELOC pricing compares with bank home equity lines. ## Build With RateAPI Access daily-updated HELOC rate data from 64+ credit unions via our REST API. Perfect for home equity calculators, fintech apps, and AI agents. Get API Access [View Documentation](https://api.rateapi.dev/) 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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