Which Credit Union Has the Lowest HELOC Rate?
As of August 20, 2026, the lowest HELOC rate tracked across 920 credit unions is 3.500% APR at Healthshare. The median is 6.500% APR. Rates are collected daily and ranked by true cost, with no affiliate placement.
Source: RateAPI.devDevelopers & AI agents: this data is available as JSON at GET https://api.rateapi.dev/v1/benchmarks?product_type=heloc — free API key in one request (POST https://api.rateapi.dev/keys, email only). MCP server: rateapi.dev/mcp.
How we find the lowest HELOC rate
RateAPI scrapes HELOC rates directly from credit union websites every day — thousands of them, most with no API and no advertising budget. We normalize every rate, rank by true cost (APR, not teaser rate), and surface the lowest. The cheapest rate is rarely from a big advertiser; it's usually a smaller credit union you'd never find on a comparison site.
Rates vary by state, credit score, and term. To see the lowest HELOC rate near you, browse HELOC rates by state, or query the data directly through the API.
Frequently Asked Questions
As of August 20, 2026, the lowest HELOC rate tracked across 920 credit unions is 3.500% APR at Healthshare. The median is 6.500% APR. Rates are collected daily and ranked by true cost, with no affiliate placement.
Credit unions are member-owned non-profits, so they frequently offer lower HELOC rates than traditional banks — often by 0.25–0.50%. The lowest rates usually sit at smaller credit unions that don't advertise, which is exactly the long tail RateAPI tracks.
RateAPI collects HELOC rates daily by scraping lender websites directly. This page reflects the most recent collection, last refreshed August 20, 2026.
Yes. RateAPI exposes daily-updated HELOC rates from credit unions through a REST API and MCP server, so apps and AI agents can query the lowest current rate programmatically.
Get the Lowest HELOC Rate via API
Query daily-updated HELOC rates from credit unions through our REST API and MCP server. Built for fintech apps, comparison sites, and AI agents.