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Lakewood, CO Home Equity Loan & HELOC Rates - September 2026

Current home equity loan and HELOC rates in Lakewood, Colorado range from 5.24% to 6.25% across the five lenders featured below, verified by MonitorBankRates as of September 28, 2026. Those offers are First Interstate BankFirst Interstate Bank215 Union Blvd, Lakewood, CO, 80228A+5.0 ★Texas Ratio: 5.08% offering Home Equity HELOC Special Offer at 5.24%, Academy BankAcademy Bank7455 W Colfax Ave, Lakewood, CO, 80214A+5.0 ★Texas Ratio: 5.56% offering Home Equity Line of Credit at 5.49%, UMB BankUMB Bank3290 S Wadsworth Blvd, Lakewood, CO, 80227A+5.0 ★Texas Ratio: 1.88% offering Home Equity Line of Credit at 5.49%, Foothills Credit UnionFoothills Credit Union7990 W Alameda Ave, Lakewood, CO, 80226A-4.9 ★Texas Ratio: 15.96% offering Platinum (75% CLTV) HELOC at 6.00%, and Credit Union Of DenverCredit Union Of Denver9305 W ALAMEDA AVE, LAKEWOOD, CO, 80226A+5.0 ★Texas Ratio: 2.33% offering Home Equity HELOC ~ 80% CLTV at 6.25%. Home equity and HELOC rates as of September 28, 2026 according to verified data from MonitorBankRates. Use the tabs below to compare home equity loans and HELOCs side by side. Rates are continually updated — we recommend checking back frequently.

Rates reflect actual verified offers from lenders actively serving Colorado borrowers. Your final approved rate will depend on your credit profile, the equity in your home, your combined loan-to-value ratio, and daily market movements. Last Updated and Verified: September 28, 2026

Compare Home Equity & HELOC Rates Today in Lakewood, Colorado & the Surrounding Area

Lakewood Home Equity Loan Rates

Source: Verified Home Equity Loans Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO, 80215
Home Equity Wall Street Journal Prime Rate
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 21, 2026
Details

As low as; Rate: Wall Street Journal Prime Rate -.25%

Rate History
1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
6.00%6.63%7.25%Sep 14, 2026: 6.50% APRSep 21, 2026: 6.75% APRSep 14, 2026Sep 28, 2026
  • Sep 21, 20266.75%▲ from 6.50%
  • Sep 14, 20266.50%first recorded
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO, 80226 3137
Fixed Rate Home Equity Loans
Up to 60 Months
7.74%
7.74%
▼
Rate7.74%
APR7.74%
Points0.000
UpdatedSep 22, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 7.74% APR · checked 2 times
7.24%7.74%8.24%Sep 18, 2026: 7.74% APRSep 18, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO, 80215
Home Equity Wall Street Journal Prime Rate
8.00%
8.00%
▼
Rate8.00%
APR8.00%
Points0.000
UpdatedSep 21, 2026
Details

As low as; Rate: Wall Street Journal Prime Rate +1.00%

Rate History
1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75%
7.25%7.88%8.50%Sep 14, 2026: 7.75% APRSep 21, 2026: 8.00% APRSep 14, 2026Sep 28, 2026
  • Sep 21, 20268.00%▲ from 7.75%
  • Sep 14, 20267.75%first recorded
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO, 80215
2nd Mortgage Loan
61 to 120 months
8.50%
8.50%
▼
Rate8.50%
APR8.50%
Points0.000
UpdatedSep 21, 2026
Details

As low as

Rate History
1 change since Sep 18, 2026 · 7.75% → 8.50% ▲ 0.75 pts · high 8.50% / low 7.75%
7.00%8.13%9.25%Sep 18, 2026: 7.75% APRSep 21, 2026: 8.50% APRSep 18, 2026Sep 28, 2026
  • Sep 21, 20268.50%▲ from 7.75%
  • Sep 18, 20267.75%first recorded
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO, 80215
2nd Mortgage Loan
121 to 180 months
8.75%
8.75%
▼
Rate8.75%
APR8.75%
Points0.000
UpdatedSep 21, 2026
Details

As low as

Rate History
1 change since Sep 18, 2026 · 8.00% → 8.75% ▲ 0.75 pts · high 8.75% / low 8.00%
7.25%8.38%9.50%Sep 18, 2026: 8.00% APRSep 21, 2026: 8.75% APRSep 18, 2026Sep 28, 2026
  • Sep 21, 20268.75%▲ from 8.00%
  • Sep 18, 20268.00%first recorded
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Home Equity 5-Year Freedom Loan
5-Year
4.50%
4.50%
▼
Rate4.50%
APR4.50%
Points0.000
UpdatedSep 25, 2026
Details

<=60% LTV

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Sep 28, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Home Equity 10-Year Freedom Loan
10-Year
4.75%
4.75%
▼
Rate4.75%
APR4.75%
Points0.000
UpdatedSep 25, 2026
Details

<=60% LTV

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Sep 28, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Home Equity 5-Year Freedom Loan
5-Year
4.75%
4.75%
▼
Rate4.75%
APR4.75%
Points0.000
UpdatedSep 25, 2026
Details

61-69% LTV

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Sep 28, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Home Equity 5-Year Fixed
5-Year
4.85%
4.85%
▼
Rate4.85%
APR4.85%
Points0.000
UpdatedSep 25, 2026
Details

Owner Occupied

Rate History
No change since Sep 14, 2026 · 4.85% APR · checked 5 times
4.35%4.85%5.35%Sep 14, 2026: 4.85% APRSep 14, 2026Sep 28, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Home Equity 10-Year Fixed
10-Year
5.00%
5.00%
▼
Rate5.00%
APR5.00%
Points0.000
UpdatedSep 25, 2026
Details

Owner Occupied

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Home Equity 10-Year Freedom Loan
10-Year
5.00%
5.00%
▼
Rate5.00%
APR5.00%
Points0.000
UpdatedSep 25, 2026
Details

61-69% LTV

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Home Equity 15-Year Freedom Loan
15-Year
5.00%
5.00%
▼
Rate5.00%
APR5.00%
Points0.000
UpdatedSep 25, 2026
Details

<=60% LTV

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Home Equity 5-Year Freedom Loan
5-Year
5.00%
5.00%
▼
Rate5.00%
APR5.00%
Points0.000
UpdatedSep 25, 2026
Details

70-75% LTV

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Home Equity 10-Year Freedom Loan
10-Year
5.25%
5.25%
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedSep 25, 2026
Details

70-75% LTV

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Home Equity 15-Year Freedom Loan
15-Year
5.25%
5.25%
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedSep 25, 2026
Details

61-69% LTV

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Home Equity
36 months
5.39%
5.39%
▼
Rate5.39%
APR5.39%
Points0.000
UpdatedSep 25, 2026
Details

As Low As; Up to 95% equity

Rate History
No change since Sep 14, 2026 · 5.39% APR · checked 5 times
4.89%5.39%5.89%Sep 14, 2026: 5.39% APRSep 14, 2026Sep 28, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Home Equity First Mortgage - Fixed Rate
10-Year
5.49%
5.49%
▼
Rate5.49%
APR5.49%
Points0.000
UpdatedSep 27, 2026
Details

Published APR range: 5.49% - 10.24%.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Home Equity 20-Year Fixed
20-Year
5.50%
5.50%
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedSep 25, 2026
Details

Owner Occupied

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Home Equity 15-Year Freedom Loan
15-Year
5.50%
5.50%
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedSep 25, 2026
Details

70-75% LTV

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Home Equity Loans
5 years
5.64%
5.64%
▼
Rate5.64%
APR5.64%
Points0.000
UpdatedSep 22, 2026
Details

Term: 5, 7, 10, 15, 20 or 25 year options; As Low As; 1st lien position

Rate History
No change since Sep 22, 2026 · 5.64% APR
5.14%5.64%6.14%Sep 22, 2026: 5.64% APRSep 22, 2026Sep 28, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Home Equity First Mortgage - Fixed Rate
12-Year
5.74%
5.74%
▼
Rate5.74%
APR5.74%
Points0.000
UpdatedSep 27, 2026
Details

Published APR range: 5.74% - 10.74%.

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 4 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Home Equity Conventional Fixed Rate
15 years
5.88%
5.93%
▼
Rate5.88%
APR5.93%
Points0.000
UpdatedSep 25, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.93% APR · checked 5 times
5.43%5.93%6.43%Sep 14, 2026: 5.93% APRSep 14, 2026Sep 28, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Home Equity
60 months
5.94%
5.94%
▼
Rate5.94%
APR5.94%
Points0.000
UpdatedSep 25, 2026
Details

As Low As; Up to 95% equity

Rate History
No change since Sep 14, 2026 · 5.94% APR · checked 5 times
5.44%5.94%6.44%Sep 14, 2026: 5.94% APRSep 14, 2026Sep 28, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
HOME EQUITY
Up to 20 years
5.99%
5.99%
▼
Rate5.99%
APR5.99%
Points0.000
UpdatedSep 22, 2026
Details

Fixed Term and Rate; 90% of the home's value.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Sep 28, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Home Equity First Mortgage - Fixed Rate
15-Year
5.99%
5.99%
▼
Rate5.99%
APR5.99%
Points0.000
UpdatedSep 27, 2026
Details

Published APR range: 5.99% - 11.24%.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
Home equity loans
60 Months
6.25%
6.25%
▼
Rate6.25%
APR6.25%
Points0.000
UpdatedSep 22, 2026
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 2 times
5.75%6.25%6.75%Sep 18, 2026: 6.25% APRSep 18, 2026Sep 28, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Home Equity Loans
5 years
6.34%
6.34%
▼
Rate6.34%
APR6.34%
Points0.000
UpdatedSep 22, 2026
Details

Term: 5, 7, 10, 15, 20 or 25 year options; As Low As; 2nd lien position

Rate History
No change since Sep 22, 2026 · 6.34% APR
5.84%6.34%6.84%Sep 22, 2026: 6.34% APRSep 22, 2026Sep 28, 2026
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Home Equity Conventional Fixed Rate
20 years
6.38%
6.42%
▼
Rate6.38%
APR6.42%
Points0.000
UpdatedSep 25, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.42% APR · checked 5 times
5.92%6.42%6.92%Sep 14, 2026: 6.42% APRSep 14, 2026Sep 28, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Home Equity
72 months
6.44%
6.44%
▼
Rate6.44%
APR6.44%
Points0.000
UpdatedSep 25, 2026
Details

As Low As; Up to 95% equity

Rate History
No change since Sep 14, 2026 · 6.44% APR · checked 5 times
5.94%6.44%6.94%Sep 14, 2026: 6.44% APRSep 14, 2026Sep 28, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Fixed Home Equity Loans - 1st Position
10 Years
6.49%
6.49%
▼
Rate6.49%
APR6.49%
Points0.000
UpdatedSep 22, 2026
Details

Published APR range: 6.49% - 8.49%.

Rate History
No change since Sep 18, 2026 · 6.49% APR · checked 2 times
5.99%6.49%6.99%Sep 18, 2026: 6.49% APRSep 18, 2026Sep 28, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Home Equity First Mortgage - Fixed Rate
20-Year
6.49%
6.49%
▼
Rate6.49%
APR6.49%
Points0.000
UpdatedSep 27, 2026
Details

Published APR range: 6.49% - 11.99%.

Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 4 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
Home equity loans
120 Months
6.50%
6.50%
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedSep 22, 2026
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Sep 28, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
Home Equity Loans
6.50%
6.50%
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedSep 25, 2026
Details

Rates as low as 6.50% APR*

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Sep 28, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Fixed Rate 2nd Mortgage
5-year
6.50%
6.50%
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedSep 27, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 4 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Sep 28, 2026
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Home Equity Conventional Fixed Rate
30 years
6.50%
6.54%
▼
Rate6.50%
APR6.54%
Points0.000
UpdatedSep 25, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.54% APR · checked 5 times
6.04%6.54%7.04%Sep 14, 2026: 6.54% APRSep 14, 2026Sep 28, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Home Equity Second Mortgage - Fixed Rate
5-Year
6.74%
6.74%
▼
Rate6.74%
APR6.74%
Points0.000
UpdatedSep 27, 2026
Details

Published APR range: 6.74% - 10.24%.

Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 4 times
6.24%6.74%7.24%Sep 14, 2026: 6.74% APRSep 14, 2026Sep 28, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Fixed Home Equity Loans - 2nd Position
10 Years
6.74%
6.74%
▼
Rate6.74%
APR6.74%
Points0.000
UpdatedSep 22, 2026
Details

Published rate range: 6.74% - 8.74%.

Rate History
No change since Sep 18, 2026 · 6.74% APR · checked 2 times
6.24%6.74%7.24%Sep 18, 2026: 6.74% APRSep 18, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
Home equity loans
180 Months
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 22, 2026
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 2 times
6.25%6.75%7.25%Sep 18, 2026: 6.75% APRSep 18, 2026Sep 28, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
Fixed 2nd Mortgage - 10 yr
120 months
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 26, 2026
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 3 times
6.25%6.75%7.25%Sep 18, 2026: 6.75% APRSep 18, 2026Sep 28, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Home Equity Loans
6.85%
6.85%
▼
Rate6.85%
APR6.85%
Points0.000
UpdatedSep 22, 2026
Details

HELOCS are a variable-rate line of credit with the ability to lock in a rate and term on advances when made. Bridge HELOCs are a variable-rate line of credit that do not have the lock feature and have a balloon payment due at the end of the 12-month period. The rate on the line of credit is subject to change monthly on the 1st day of the month, based on the Wall Street Journal Prime Rate + your qualifying margin. For a HELOC, as of May 21, 2026, WSJP 6.75% + 0.10% margin for a rate of 6.85% with a 720-credit score and 80% CLTV. After the draw period of 10 years, the loan must be repaid over a 20-year amortized repayment period. HELOCs carry 3.75% Floor. The maximum APR is 21%. Locked Rate Margins are added to members existing HELOCs active interest rate. For Locked Rate Option, as of July 30, 2021, qualifying HELOC rate varies from + 0.75% to 2.50% margin. Locked Rate Option floor is 4.50%. Meritrust will only consider single family homes as collateral on rental properties (no Condos and Townhouses). Purchase Money HELOCs-1st mortgage held elsewhere carry a $1,500 processing fee + 2.00% Margin added to qualifying product. Bridge HELOCs have a $500 processing fee + 1.50% Margin added to qualifying product. Rates vary based on qualifying credit tiers. Homeowners insurance is required. Property must be in the State of Colorado. Membership required. The max CLTV for Primary Residence, Purchase Money and Bridge HELOCs is 80%, Investment Property HELOCs max 80% CLTV.

Rate History
No change since Sep 22, 2026 · 6.85% APR
6.35%6.85%7.35%Sep 22, 2026: 6.85% APRSep 22, 2026Sep 28, 2026
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Home Equity Fixed Rate Second Mortgage
20 years
6.75%
6.98%
▼
Rate6.75%
APR6.98%
Points0.000
UpdatedSep 25, 2026
Details

Published APR range: 6.98% - 9.05%; Published rate range: 6.75% - 8.75%.

Rate History
No change since Sep 14, 2026 · 6.98% APR · checked 5 times
6.48%6.98%7.48%Sep 14, 2026: 6.98% APRSep 14, 2026Sep 28, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Home Equity Second Mortgage - Fixed Rate
7-Year
6.99%
6.99%
▼
Rate6.99%
APR6.99%
Points0.000
UpdatedSep 27, 2026
Details

Published APR range: 6.99% - 11.74%.

Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 4 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Sep 28, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Fixed Rate 2nd Mortgage
10-year
7.00%
7.00%
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedSep 27, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 4 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Sep 28, 2026
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
10-Year Fixed Home Equity
10 years
7.02%
7.02%
▼
Rate7.02%
APR7.02%
Points0.000
UpdatedSep 28, 2026
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 7.02% APR · checked 5 times
6.52%7.02%7.52%Sep 17, 2026: 7.02% APRSep 17, 2026Sep 28, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Home Equity
120 months
7.14%
7.14%
▼
Rate7.14%
APR7.14%
Points0.000
UpdatedSep 25, 2026
Details

As Low As; Up to 95% equity

Rate History
No change since Sep 14, 2026 · 7.14% APR · checked 5 times
6.64%7.14%7.64%Sep 14, 2026: 7.14% APRSep 14, 2026Sep 28, 2026
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
20-Year Fixed Home Equity
20 years
7.16%
7.16%
▼
Rate7.16%
APR7.16%
Points0.000
UpdatedSep 28, 2026
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 7.16% APR · checked 5 times
6.66%7.16%7.66%Sep 17, 2026: 7.16% APRSep 17, 2026Sep 28, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Home Equity Second Mortgage - Fixed Rate
10-Year
7.24%
7.24%
▼
Rate7.24%
APR7.24%
Points0.000
UpdatedSep 27, 2026
Details

Published APR range: 7.24% - 12.24%.

Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 4 times
6.74%7.24%7.74%Sep 14, 2026: 7.24% APRSep 14, 2026Sep 28, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Fixed Rate Home Equity
5-year
7.25%
7.25%
▼
Rate7.25%
APR7.25%
Points0.000
UpdatedSep 27, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 4 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Sep 28, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
Fixed 2nd Mortgage - 15 yr
180 months
7.25%
7.25%
▼
Rate7.25%
APR7.25%
Points0.000
UpdatedSep 26, 2026
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 7.25% APR · checked 3 times
6.75%7.25%7.75%Sep 18, 2026: 7.25% APRSep 18, 2026Sep 28, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Home Equity Second Mortgage - Fixed Rate
12-Year
7.49%
7.49%
▼
Rate7.49%
APR7.49%
Points0.000
UpdatedSep 27, 2026
Details

Published APR range: 7.49% - 12.74%.

Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 4 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Sep 28, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Fixed Rate 2nd Mortgage
15-year
7.50%
7.50%
▼
Rate7.50%
APR7.50%
Points0.000
UpdatedSep 27, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 4 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Sep 28, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Home Equity Land Loans
120 Months
7.50%
7.50%
▼
Rate7.50%
APR7.50%
Points0.000
UpdatedSep 25, 2026
Details

Max LTV: 75%

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 5 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Sep 28, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Home Equity
180 months
7.74%
7.74%
▼
Rate7.74%
APR7.74%
Points0.000
UpdatedSep 25, 2026
Details

As Low As; Up to 95% equity

Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 5 times
7.24%7.74%8.24%Sep 14, 2026: 7.74% APRSep 14, 2026Sep 28, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Fixed Rate Home Equity
10-year
7.75%
7.75%
▼
Rate7.75%
APR7.75%
Points0.000
UpdatedSep 27, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 4 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Sep 28, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Home Equity Loans
Up to 240 months
7.75%
7.76%
▼
Rate7.75%
APR7.76%
Points0.000
UpdatedSep 25, 2026
Details

Max CLTV: 95%

Rate History
No change since Sep 18, 2026 · 7.76% APR · checked 3 times
7.26%7.76%8.26%Sep 18, 2026: 7.76% APRSep 18, 2026Sep 28, 2026
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Home Equity Loan - fixed APR
10 years
7.99%
7.99%
▼
Rate7.99%
APR7.99%
Points0.000
UpdatedSep 27, 2026
Details

As Low As; All offers of credit are subject to credit, approval, properties located in CO and membership eligibility. As of 09/17/2026, the APR for home equity loans, based on creditworthiness and loan-to-value, ranges from 7.99% - 16.25%. As low as rate available for borrowers based on creditworthiness, underwriting, and combined-loan-to-value (CLTV). Borrow up to 89.9% of your home's value, minus any mortgage, loan, or home equity balance. This interest rate is subject to change but will not exceed 18.00% APR. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Offer is available for equity loans secured by a primary residence. Some additional restrictions may apply. The third-party fees for a home equity loan range from $105 to $2,000. Fixed payment example: Per every $10,000 loan advance at 7.99% APR is approximately $121.41 per month for 10 years.

Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 3 times
7.49%7.99%8.49%Sep 18, 2026: 7.99% APRSep 18, 2026Sep 28, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Fixed Rate Second Mortgage
15 yrs.
8.00%
8.13%
▼
Rate8.00%
APR8.13%
Points0.000
UpdatedSep 27, 2026
Details

Published APR range: 8.132% - 9.452%; Published rate range: 8.000% - 9.375%.

Rate History
No change since Sep 14, 2026 · 8.13% APR · checked 4 times
7.63%8.13%8.63%Sep 14, 2026: 8.13% APRSep 14, 2026Sep 28, 2026
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Home Equity Loan
15-year fixed rate
8.38%
8.38%
▼
Rate8.38%
APR8.38%
Points0.000
UpdatedSep 27, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 8.38% APR · checked 4 times
7.88%8.38%8.88%Sep 14, 2026: 8.38% APRSep 14, 2026Sep 28, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Home Equity Raw Land
60 Months
8.74%
8.74%
▼
Rate8.74%
APR8.74%
Points0.000
UpdatedSep 27, 2026
Details

Published rate range: 8.74% - 11.99%.

Rate History
No change since Sep 14, 2026 · 8.74% APR · checked 4 times
8.24%8.74%9.24%Sep 14, 2026: 8.74% APRSep 14, 2026Sep 28, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Home Equity Raw Land
84 Months
8.99%
8.99%
▼
Rate8.99%
APR8.99%
Points0.000
UpdatedSep 27, 2026
Details

Published rate range: 8.99% - 12.99%.

Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 4 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Sep 28, 2026

Lakewood HELOC Rates

Source: Verified HELOC Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
First Interstate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
215 Union Blvd, Lakewood, CO, 80228
Home Equity HELOC Special Offer
6 months
5.24%
5.24%
▼
Rate5.24%
APR5.24%
Points0.000
UpdatedSep 27, 2026
Details

Introductory rate of 5.24% APR for 6 months, then variable rate of 8.00%-9.00% APR after introductory period.

Rate History
1 change since Sep 15, 2026 · 7.75% → 5.24% ▼ 2.51 pts · high 7.75% / low 5.24%
2.73%6.50%10.26%Sep 15, 2026: 7.75% APRSep 27, 2026: 5.24% APRSep 15, 2026Sep 28, 2026
  • Sep 27, 20265.24%▼ from 7.75%
  • Sep 15, 20267.75%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7455 W Colfax Ave, Lakewood, CO, 80214
Home Equity Line of Credit
6 months
5.49%
5.49%
▼
Rate5.49%
APR5.49%
Points0.000
UpdatedSep 27, 2026
Details

introductory rate

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3290 S Wadsworth Blvd, Lakewood, CO, 80227
Home Equity Line of Credit
5.49%
5.49%
▼
Rate5.49%
APR5.49%
Points0.000
UpdatedSep 27, 2026
Details

Introductory rate as low as 5.49% APR1 for 24 months*; After 24 months variable 7.49% - 10.25% APR applies.

Rate History
No change since Sep 27, 2026 · 5.49% APR
4.99%5.49%5.99%Sep 27, 2026: 5.49% APRSep 27, 2026Sep 28, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO, 80226
Platinum (75% CLTV) HELOC
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedSep 26, 2026
Details

Rate: Prime Rate Minus (-) 1.00%; Floor Limit = 4.75%; Credit Score: A

Rate History
2 changes since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.75% / low 5.75%
4.75%6.25%7.75%Sep 14, 2026: 5.75% APRSep 18, 2026: 6.75% APRSep 22, 2026: 6.00% APRSep 14, 2026Sep 28, 2026
  • Sep 22, 20266.00%▼ from 6.75%
  • Sep 18, 20266.75%▲ from 5.75%
  • Sep 14, 20265.75%first recorded
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO, 80226
Home Equity HELOC ~ 80% CLTV
6.25%
6.25%
▼
Rate6.25%
APR6.25%
Points0.000
UpdatedSep 22, 2026
Details

As Low As; current as of 07/01/2026 VAPR

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 3 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Sep 28, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO, 80226
Gold (80% CLTV) HELOC
7.00%
7.00%
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedSep 26, 2026
Details

Rate: Prime Rate; Floor Limit = 4.75%; Credit Score: A

Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 14, 2026: 6.75% APRSep 22, 2026: 7.00% APRSep 14, 2026Sep 28, 2026
  • Sep 22, 20267.00%▲ from 6.75%
  • Sep 14, 20266.75%first recorded
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO, 80226
Silver (85% CLTV) HELOC
7.00%
7.00%
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedSep 26, 2026
Details

Rate: Prime Rate; Floor Limit = 4.75%; Credit Score: A or B

Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 14, 2026: 6.75% APRSep 22, 2026: 7.00% APRSep 14, 2026Sep 28, 2026
  • Sep 22, 20267.00%▲ from 6.75%
  • Sep 14, 20266.75%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO, 80226
Home Equity Line of Credit
10 Years
7.12%
7.12%
▼
Rate7.12%
APR7.12%
Points0.000
UpdatedSep 27, 2026
Details

Term: 10 Years Revolving - 15 Years Repayment; As low as

Rate History
1 change since Sep 15, 2026 · 6.87% → 7.12% ▲ 0.25 pts · high 7.12% / low 6.87%
6.37%7.00%7.62%Sep 15, 2026: 6.87% APRSep 18, 2026: 7.12% APRSep 15, 2026Sep 28, 2026
  • Sep 18, 20267.12%▲ from 6.87%
  • Sep 15, 20266.87%first recorded
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO, 80226 3137
Home Equity Select Line of Credit
Up to 240 Months
7.24%
7.24%
▼
Rate7.24%
APR7.24%
Points0.000
UpdatedSep 22, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 3 times
6.74%7.24%7.74%Sep 14, 2026: 7.24% APRSep 14, 2026Sep 28, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO, 80226
Bronze (90% CLTV) HELOC
7.50%
7.50%
▼
Rate7.50%
APR7.50%
Points0.000
UpdatedSep 26, 2026
Details

Rate: Prime Rate Plus (+) .50%; Floor Limit = 4.75%; Credit Score: W.A.C.*

Rate History
1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25%
6.75%7.38%8.00%Sep 14, 2026: 7.25% APRSep 22, 2026: 7.50% APRSep 14, 2026Sep 28, 2026
  • Sep 22, 20267.50%▲ from 7.25%
  • Sep 14, 20267.25%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO, 80226
Home Equity Line of Credit
60 Months
7.78%
7.78%
▼
Rate7.78%
APR7.78%
Points0.000
UpdatedSep 27, 2026
Details

Additional APR listed for this product: 9.79%.

Rate History
1 change since Sep 15, 2026 · 7.68% → 7.78% ▲ 0.10 pts · high 7.78% / low 7.68%
7.18%7.73%8.28%Sep 15, 2026: 7.68% APRSep 24, 2026: 7.78% APRSep 15, 2026Sep 28, 2026
  • Sep 24, 20267.78%▲ from 7.68%
  • Sep 15, 20267.68%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO, 80226
Home Equity Line of Credit
120 Months
7.87%
7.87%
▼
Rate7.87%
APR7.87%
Points0.000
UpdatedSep 27, 2026
Details

Additional APR listed for this product: 9.88%.

Rate History
1 change since Sep 15, 2026 · 7.77% → 7.87% ▲ 0.10 pts · high 7.87% / low 7.77%
7.27%7.82%8.37%Sep 15, 2026: 7.77% APRSep 24, 2026: 7.87% APRSep 15, 2026Sep 28, 2026
  • Sep 24, 20267.87%▲ from 7.77%
  • Sep 15, 20267.77%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO, 80226
Home Equity Line of Credit
180 Months
7.90%
7.90%
▼
Rate7.90%
APR7.90%
Points0.000
UpdatedSep 27, 2026
Details

Additional APR listed for this product: 9.91%.

Rate History
1 change since Sep 15, 2026 · 7.80% → 7.90% ▲ 0.10 pts · high 7.90% / low 7.80%
7.30%7.85%8.40%Sep 15, 2026: 7.80% APRSep 24, 2026: 7.90% APRSep 15, 2026Sep 28, 2026
  • Sep 24, 20267.90%▲ from 7.80%
  • Sep 15, 20267.80%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO, 80226
Home Equity Line of Credit
240 Months
8.04%
8.04%
▼
Rate8.04%
APR8.04%
Points0.000
UpdatedSep 27, 2026
Details

Additional APR listed for this product: 10.05%.

Rate History
1 change since Sep 15, 2026 · 7.94% → 8.04% ▲ 0.10 pts · high 8.04% / low 7.94%
7.44%7.99%8.54%Sep 15, 2026: 7.94% APRSep 24, 2026: 8.04% APRSep 15, 2026Sep 28, 2026
  • Sep 24, 20268.04%▲ from 7.94%
  • Sep 15, 20267.94%first recorded
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Home Equity HELOCs
4.25%
4.25%
▼
Rate4.25%
APR4.25%
Points0.000
UpdatedSep 25, 2026
Details

Lien Position: 1st; Tier: 2; WSJP + 1.00%; Ceiling: 18%

Rate History
No change since Sep 16, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 16, 2026: 4.25% APRSep 16, 2026Sep 28, 2026
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Home Equity HELOCs
4.75%
4.75%
▼
Rate4.75%
APR4.75%
Points0.000
UpdatedSep 25, 2026
Details

Lien Position: 1st; Tier: 3; WSJP + 1.50%; Ceiling: 18%

Rate History
No change since Sep 16, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Sep 16, 2026: 4.75% APRSep 16, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Home Equity Line of Credit (HELOC) Interest Only
10 years
4.99%
5.03%
▼
Rate4.99%
APR5.03%
Points0.000
UpdatedSep 22, 2026
Details

Term: 10-year draw and 15-year repayment period; Introductory rate applicable for first 6 (six) months following open date. After introductory period, APR is based on the Prime Rate, or Prime Rate plus a margin bases on underwriting & Loan To Value (LTV) and may vary with Prime Rate after account opening: Floor = 2.00%APR, Cap = 15.0%APR. APR reflects best rate available based on less than 90% LTV & individual creditworthiness. Minimal credit union closing costs incurred for lines of credit up to $249,999 when automated value model is used for underwriting; loans using alternate valuation sources could incur closing costs up to $600 depending on property location, type and loan amount. Loans greater than $249,999 subject to standard lending practices with a closing cost between $0.00 - $4,000. City/county/state fees may apply. All loans subject to approval; membership eligibility required. Equity limits and underwriting requirements vary by state. Rates, terms, and conditions

Rate History
No change since Sep 22, 2026 · 5.03% APR
4.53%5.03%5.53%Sep 22, 2026: 5.03% APRSep 22, 2026Sep 28, 2026
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Home Equity HELOCs
5.50%
5.50%
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedSep 25, 2026
Details

Lien Position: 2nd; Tier: 2; WSJP + 2.25%; Ceiling: 18%

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Sep 28, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Home Equity Line of Credit Special
5 Year
5.99%
5.99%
▼
Rate5.99%
APR5.99%
Points0.000
UpdatedSep 22, 2026
Details

Term: 5 Year Draw Period - 10 Year Repayment; up to 85% LTV; Fixed for 12 months

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Sep 28, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Home Equity Advantage HELOC
up to 120 months
5.99%
5.99%
▼
Rate5.99%
APR5.99%
Points0.000
UpdatedSep 25, 2026
Details

As Low As; Up to 75% equity with a maximum of $250,000

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Sep 28, 2026
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Home Equity LOC
5.99%
5.99%
▼
Rate5.99%
APR5.99%
Points0.000
UpdatedSep 28, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
Craft choice home equity line of credit (heloc)
6.25%
6.25%
▼
Rate6.25%
APR6.25%
Points0.000
UpdatedSep 22, 2026
Details

Ceiling APR: 21.00%

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 3 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Sep 28, 2026
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Home Equity HELOCs
6.25%
6.25%
▼
Rate6.25%
APR6.25%
Points0.000
UpdatedSep 25, 2026
Details

Lien Position: 2nd; Tier: 3; WSJP + 3.00%; Ceiling: 18%

Rate History
No change since Sep 16, 2026 · 6.25% APR · checked 2 times
5.75%6.25%6.75%Sep 16, 2026: 6.25% APRSep 16, 2026Sep 28, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Home Equity Advantage HELOC
up to 180 months
6.49%
6.49%
▼
Rate6.49%
APR6.49%
Points0.000
UpdatedSep 25, 2026
Details

As Low As; Up to 75% equity with a maximum of $250,000

Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 5 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Sep 28, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Home Equity Line of Credit (HELOC) variable rate 15 year
15 year
6.50%
6.50%
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedSep 22, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Sep 28, 2026
Blue Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
Home Equity HELOC
6.50%
6.50%
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedSep 25, 2026
Details

A Home Equity Line of Credit (HELOC), is a revolving line of credit secured by the equity in the home. Draw period is 10 years. During the Draw period, the minimum monthly payment will equal the amount of interest accrued at the end of your monthly billing cycle. Repayment period is up to 20 years, minimum monthly payment is $100 or the amount necessary to amortize the outstanding balance, with interest over 20 years from the beginning of the repayment period, whichever is greater. A HELOC is a variable-rate loan subject to change monthly and is indexed to the prime rate as published in the Wall Street Journal. Your Annual Percentage Rate will be a variable APR based upon the prime rate, plus a margin subject to a maximum APR of 18.00%. Your margin will be based on several factors including your credit history, combined loan to value ratio, loan amount and occupancy, so your rate may differ. Rates, terms and conditions are subject to change at any time without prior notice. Final closing costs depend on the location of the property, property type and the amount of the loan. Closing costs up to $1,000 to be paid by Blue Federal Credit union, excluding appraisals. Borrower agrees that in the event the mortgage on the property is paid in full and/or closed within 24 months of the loan term, borrower will be required to immediately repay all costs paid by Blue FCU. Loans subject to final credit approval. Property insurance on the property against hazards and/or flood damage that secures the HELOC is required to open the HELOC. Subject property must be located in Wyoming or Colorado. Underwriting criteria apply. Ask for more information

Rate History
No change since Sep 20, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Sep 20, 2026: 6.50% APRSep 20, 2026Sep 28, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Home Equity Variable Rate HELOC
120 months
6.50%
6.50%
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedSep 25, 2026
Details

Monthly based on prime rate; Lesser of 95% LTV or $399,999

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Sep 28, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
HELOC - Variable Rate
300 months
6.50%
6.50%
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedSep 27, 2026
Details

Published APR range: 6.50% - 9.00%.

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 4 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Sep 28, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
MyChoice Line Home Equity LOC
240 months
6.50%
6.50%
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedSep 26, 2026
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Sep 28, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
Home Equity Line of Credit (2Mortgage)
20 years
6.70%
6.70%
▼
Rate6.70%
APR6.70%
Points0.000
UpdatedSep 25, 2026
Details

fixed up to 5 years, then adjustable

Rate History
No change since Sep 14, 2026 · 6.70% APR · checked 5 times
6.20%6.70%7.20%Sep 14, 2026: 6.70% APRSep 14, 2026Sep 28, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Home Equity Advantage HELOC
up to 240 months
6.74%
6.74%
▼
Rate6.74%
APR6.74%
Points0.000
UpdatedSep 25, 2026
Details

As Low As; Up to 75% equity with a maximum of $250,000

Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 5 times
6.24%6.74%7.24%Sep 14, 2026: 6.74% APRSep 14, 2026Sep 28, 2026
Arapahoe Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Home Equity Line-of-Credit Mountain Harbor
120 months
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 18, 2026
Details

Term: 120M Draw/ 180M Repay; Variable

Rate History
No change since Sep 18, 2026 · 6.75% APR
6.25%6.75%7.25%Sep 18, 2026: 6.75% APRSep 18, 2026Sep 28, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
HOME EQUITY LINE OF CREDIT (HELOC)
10 years
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 22, 2026
Details

Term: 10-year draw period with a 20-year payment; Non-Capped rate adjustment based on the Prime Index Rate.; Maximum rate is 18.00%

Rate History
No change since Sep 22, 2026 · 6.75% APR
6.25%6.75%7.25%Sep 22, 2026: 6.75% APRSep 22, 2026Sep 28, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Home Equity Line of Credit (Non-Capped)
240 months
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 22, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 3 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Sep 28, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Home Equity Line of Credit Variable
0-20 Years
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 22, 2026
Details

10 Year Draw Period - 10 Year Repayment; up to 75% LTV; Variable

Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 2 times
6.25%6.75%7.25%Sep 18, 2026: 6.75% APRSep 18, 2026Sep 28, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Home Equity Lines of Credit
5 year
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 22, 2026
Details

Term: 5 year Interest- Only Draw Period + 10 year Amortized Repayment Period; Published APR range: 6.75%- 10.75%. Rate: Index* - Index* +4

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 3 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Sep 28, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Home Equity Line of Credit
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 25, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 6.75% APR · checked 2 times
6.25%6.75%7.25%Sep 16, 2026: 6.75% APRSep 16, 2026Sep 28, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
HELOC 15-Year Variable Line of Credit
15-Year
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 25, 2026
Details

Published APR range: 6.75% - 18.00%**. Home Equity Line of Credit

Rate History
No change since Sep 17, 2026 · 6.75% APR · checked 4 times
6.25%6.75%7.25%Sep 17, 2026: 6.75% APRSep 17, 2026Sep 28, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Home Equity HELOC - Variable Rate
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 27, 2026
Details

Published APR range: 6.75% - 9.75%. Loan-to-Value: 80% or lower

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 4 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Sep 28, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Interest-Only Home Equity Line of Credit
300 months
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 27, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 4 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Sep 28, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Platinum Home Equity Line of Credit
300 months
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 27, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 4 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Sep 28, 2026
Red Rocks Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Home Equity Line of Credit (HELOC)
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 27, 2026
Details

As low as

Rate History
1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
6.00%6.63%7.25%Sep 14, 2026: 6.50% APRSep 18, 2026: 6.75% APRSep 14, 2026Sep 28, 2026
  • Sep 18, 20266.75%▲ from 6.50%
  • Sep 14, 20266.50%first recorded
Space Age Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.29%
Home Equity HELOC
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 4 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Sep 28, 2026
Space Age Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.29%
Home Equity Line of Credit
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 27, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 4 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Sep 28, 2026
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Home Equity HELOC (Line of Credit)
10 year
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedSep 25, 2026
Details

Term: 10 year Draw period, up to 15 years to repay the balance; Payment: 1% of outstanding principal balance with minimum payment of $100.00. HELOC has a floor rate of 5.00% APR, and a ceiling rate of 18% APR. Closing cost is $399.00

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 4 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Sep 28, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
Home Equity Line of Credit (Heloc)
10 years
6.95%
6.95%
▼
Rate6.95%
APR6.95%
Points0.000
UpdatedSep 25, 2026
Details

Term: 10 years draw period and 10 year payback; fixed up to 5 years, then adjustable

Rate History
No change since Sep 14, 2026 · 6.95% APR · checked 5 times
6.45%6.95%7.45%Sep 14, 2026: 6.95% APRSep 14, 2026Sep 28, 2026
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Home Equity Line of Credit (HELOC) - variable APR
6.99%
6.99%
▼
Rate6.99%
APR6.99%
Points0.000
UpdatedSep 27, 2026
Details

As low as advertised rate includes the additional rate discount available for relationship pricing. This interest rate is subject to change but will not exceed 18.00% APR. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Offer is available for HELOCs secured by a primary residence. Some additional restrictions may apply. After the first 12 months, $75 annual fee applies to open lines of credit originated after 7/2025. Variable payment example: Per every $10,000 loan advance at 6.99% APR is approximately $58.41 monthly for 10 years pending no further advances occur. After 120 months during the payback period the payment per every $10,000 is $116.16 for the remaining 10-year period. Lowest rate shown for qualified borrowers on Auto, Motorcycle, HELOC, RV loans, and personal loans with eligible Peak Perks Checking or Summit Dividend Checking account.

Rate History
1 change since Sep 14, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74%
6.24%6.87%7.49%Sep 14, 2026: 6.74% APRSep 18, 2026: 6.99% APRSep 14, 2026Sep 28, 2026
  • Sep 18, 20266.99%▲ from 6.74%
  • Sep 14, 20266.74%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
Variable Home Equity LOC
7.00%
7.00%
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedSep 28, 2026
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Sep 25, 2026: 7.00% APRSep 25, 2026Sep 28, 2026
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Home Equity LOC - Interest-Only
7.00%
7.00%
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedSep 28, 2026
Details

Introductory interest rate and APR of 5.99% will apply for the first twelve (12) months following month of loan closing. After the introductory period, rate is variable and is based on the Prime Rate plus margin. Based on a Home Equity LOC - Interest-Only with a credit limit of $100,000 and CLTV of 80.00%, the interest rate and APR based on the current index and margin would be 7.00%. Refer to Home Equity LOC - Interest-Only Early Disclosure for more information.

Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 14, 2026: 6.75% APRSep 18, 2026: 7.00% APRSep 14, 2026Sep 28, 2026
  • Sep 18, 20267.00%▲ from 6.75%
  • Sep 14, 20266.75%first recorded
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Home Equity LOC - Percentage of Balance
7.00%
7.00%
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedSep 28, 2026
Details

Introductory interest rate and APR of 5.99% will apply for the first twelve (12) months following month of loan closing. After the introductory period, rate is variable and is based on the Prime Rate plus margin. For example, Home Equity LOC - Percentage of Balance the current rate would be 7.00% APR based on a combined LTV of 80% and credit limit of $100,000. Refer to Home Equity LOC - Percentage of Balance Early Disclosure for more information.

Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 14, 2026: 6.75% APRSep 18, 2026: 7.00% APRSep 14, 2026Sep 28, 2026
  • Sep 18, 20267.00%▲ from 6.75%
  • Sep 14, 20266.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Home Equity HELOC
5.99%
7.00%
▼
Rate5.99%
APR7.00%
Points0.000
UpdatedSep 25, 2026
Details

Condition: 6-mo. fixed Intro. Introductory APR for 6 months, then as low as 7.00%.

Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 14, 2026: 6.75% APRSep 25, 2026: 7.00% APRSep 14, 2026Sep 28, 2026
  • Sep 25, 20267.00%▲ from 6.75%
  • Sep 14, 20266.75%first recorded
Golden Belt Bank, FSA
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Home Equity Line of Credit (HELOC)
7.25%
7.25%
▼
Rate7.25%
APR7.25%
Points0.000
UpdatedSep 27, 2026
Details

No additional details available.

Rate History
No change since Sep 15, 2026 · 7.25% APR · checked 4 times
6.75%7.25%7.75%Sep 15, 2026: 7.25% APRSep 15, 2026Sep 28, 2026
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
HELOC 10-Yr Fixed Home Improvement
10-Yr
7.00%
7.30%
▼
Rate7.00%
APR7.30%
Points0.000
UpdatedSep 28, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 7.30% APR · checked 6 times
6.80%7.30%7.80%Sep 14, 2026: 7.30% APRSep 14, 2026Sep 28, 2026
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
HELOC 15-Yr Fixed Home Improvement
15-Yr
7.12%
7.34%
▼
Rate7.12%
APR7.34%
Points0.000
UpdatedSep 28, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 7.34% APR · checked 6 times
6.84%7.34%7.84%Sep 14, 2026: 7.34% APRSep 14, 2026Sep 28, 2026
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
HELOC 20-Yr Fixed Home Improvement
20-Yr
7.25%
7.42%
▼
Rate7.25%
APR7.42%
Points0.000
UpdatedSep 28, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 7.42% APR · checked 6 times
6.92%7.42%7.92%Sep 14, 2026: 7.42% APRSep 14, 2026Sep 28, 2026
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
HELOC 5-Yr Fixed Home Improvement
5-Yr
6.88%
7.43%
▼
Rate6.88%
APR7.43%
Points0.000
UpdatedSep 28, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 7.43% APR · checked 6 times
6.93%7.43%7.93%Sep 14, 2026: 7.43% APRSep 14, 2026Sep 28, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Primary Residence Home Equity Line of Credit- Max 90% LTV
7.45%
7.45%
▼
Rate7.45%
APR7.45%
Points0.000
UpdatedSep 22, 2026
Details

Amount: $10,000 - $350,000

Rate History
No change since Sep 14, 2026 · 7.45% APR · checked 3 times
6.95%7.45%7.95%Sep 14, 2026: 7.45% APRSep 14, 2026Sep 28, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
HELOC - Standard Rate
240 months
7.49%
7.49%
▼
Rate7.49%
APR7.49%
Points0.000
UpdatedSep 27, 2026
Details

Published APR range: 7.49% - 9.99%.

Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 4 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Sep 28, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Home Equity Line of Credit Fixed
5 Year
7.50%
7.50%
▼
Rate7.50%
APR7.50%
Points0.000
UpdatedSep 22, 2026
Details

Term: 5 Year Draw Period - 10 Year Repayment; up to 75% LTV; Fixed

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 3 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Sep 28, 2026
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Home Equity Line Of Credit
10 years
7.74%
7.74%
▼
Rate7.74%
APR7.74%
Points0.000
UpdatedSep 27, 2026
Details

Term: 10 years to advance, 10 years to pay back

Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 4 times
7.24%7.74%8.24%Sep 14, 2026: 7.74% APRSep 14, 2026Sep 28, 2026
The home equity loan and HELOC rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, the amount of equity in your home, your combined loan-to-value ratio (CLTV), and the lender's current underwriting standards.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

Lakewood, Colorado Home Equity Snapshot

Local housing and income figures that shape how much equity Lakewood, CO homeowners can borrow against. Source: U.S. Census Bureau & FHFA.

Median Home Value
$574,400
Census ACS, owner-occupied
Est. Equity Held
$201,040
Typical owner at ~35% paid down
Est. Borrowable
$114,880
At 85% combined loan-to-value
Median Household Income
$89,792
Census ACS
Median Property Tax
$2,793/yr
Census ACS
Homeownership Rate
58.2%
Census CPS/HVS (metro area)
Price-to-Income Ratio
6.4x
Home value vs. household income
2026 Conforming Limit
$862,500
FHFA one-unit, this county

Equity and borrowable estimates are illustrative, based on a typical owner who has paid the original mortgage down to roughly 65% of current value and an 85% combined loan-to-value ceiling. Your actual figures depend on your remaining mortgage balance, credit profile, and lender underwriting.

How Much Can You Borrow in Lakewood, Colorado?

Your borrowing limit on a home equity loan or HELOC is set by your combined loan-to-value ratio (CLTV) — the total of your first mortgage plus the new loan, divided by your home's appraised value. Most lenders cap CLTV at 80–85%. Using the local median home value of $574,400, here is roughly what an 85% CLTV ceiling allows at three stages of mortgage payoff:

Mortgage Stage Still Owed Equity Held Est. You Could Borrow
Earlier in repayment $402,080 $172,320 $86,160
Roughly halfway through $315,920 $258,480 $172,320
Well into repayment $229,760 $344,640 $258,480

The further along you are in paying down your first mortgage, the more equity sits available to borrow against. Lenders will also weigh your credit score, debt-to-income ratio, and income — the local median household income is $89,792 — before issuing a final offer.

Illustrative estimates only, based on an 85% CLTV ceiling and the Census median home value for this area. Actual limits vary by lender (some allow up to 90% CLTV), by your home's appraised value, and by your credit profile. This is not a loan offer or a guarantee of approval.

Lakewood, CO Home Equity Rate Trends

Compare local Lakewood, CO home equity quotes against the statewide average

Daily HELOC and home equity loan averages tracked across our database of verified rate quotes — updated every evening.

View Full Colorado HE Trends
HELOC — CO Avg
7.174%
▲ 0.038 vs 7 days ago

Colorado HELOC rates rose 0.038 points over the past 7 days to 7.174%.

Home Equity Loan — CO Avg
7.146%
▼ 0.086 vs 7 days ago

Colorado home equity loan rates fell 0.086 points over the past 7 days to 7.146%.

As of Sep 28, 2026 • Rate data sourced from our monitored institution network
Powered by MonitorBankRates

Colorado Home Equity Rate Forecast — Next 12 Months

Where are Colorado HELOC and home equity loan rates headed through September 2027?

HELOC trajectory based on prime rate path (prime = fed funds + 3.0%). Home equity loan trajectory based on Fed funds futures and 10-year Treasury path. Not financial advice.

Current CO HELOC Avg
7.174%
Variable (prime + margin)
12-Mo HELOC Forecast
6.924%
Range: 6.67% – 7.12%
Current CO HE Loan Avg
7.146%
Fixed rate
12-Mo HE Loan Forecast
6.746%
Range: 6.40% – 7.05%

What Forecast Rates Mean for Lakewood, CO Borrowers

Monthly cost on $50,000 borrowed. HELOC shown as interest-only payment (typical during 10-year draw period). Home equity loan shown as fully amortizing principal & interest on a 15-year term.

Scenario HELOC Rate HELOC Mo. Interest HE Loan Rate HE Loan Mo. P&I
Today (CO avg) 7.174% $299 7.146% $454
6-Month Forecast 7.174% $299 7.146% $454
12-Month Forecast 6.924% (6.67–7.12%) $289 (-$10) 6.746% (6.40–7.05%) $442 (-$11)

Green (−) = lower monthly cost vs today. Red (+) = higher monthly cost. HELOC cost reflects variable-rate exposure: when prime drops, HELOC costs drop within one billing cycle. Locking a fixed home equity loan now insulates against further rate increases but forfeits the savings if rates fall.

Projections based on Fed funds futures, prime-rate tracking, and historical home equity spread models. Not a guarantee of future rates.

How Home Equity Lending Works in Lakewood, Colorado

Lakewood, Colorado Equity Math

According to the U.S. Census Bureau, the median owner-occupied home value in Lakewood, Colorado is approximately $574,400. A homeowner who owes 60% of their original mortgage on a median-valued home would have roughly $229,760 in available equity. At a typical 85% CLTV limit, that means they could potentially borrow up to $143,600 via a HELOC or home equity loan, depending on credit profile and lender underwriting standards.

Home Equity Loan vs HELOC — Quick Comparison

Feature Home Equity Loan HELOC
Rate Type Fixed for life of loan Variable (prime + margin)
Payout Lump sum at closing Draw as needed, up to limit
Term 5-30 years 10-yr draw + 20-yr repay (typical)
Payment Fixed P&I from month one Interest-only during draw (usually)
Closing Costs Typically 2-5% of loan Often $0 (promos common)
Best For Specific large expense, payment certainty Ongoing access, flexible borrowing

Want a deeper breakdown? Read our full guide: Home Equity Loan vs HELOC — Key Differences, Pros and Cons

Lakewood, Colorado Home Equity Loan Calculator

Estimate how much you could borrow against your home, and what the monthly payment on a fixed-rate home equity loan would look like. The home value below is prefilled with the local median from the U.S. Census Bureau — change it to your own home's value, and adjust any other field to see the numbers update.

1. How Much Can You Borrow?

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Estimated You Could Borrow $0

2. Estimated Monthly Payment

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Defaults to your estimated borrowing limit — edit to model a smaller loan.

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Estimates only. Borrowing power assumes lenders allow up to the selected combined loan-to-value ratio; actual limits, rates, and approval depend on your credit profile, income, and the lender's underwriting. The payment figure is for a fixed-rate home equity loan with standard amortization — HELOC payments are typically interest-only during the draw period and vary with the prime rate, so they are not modeled here. This is not a loan offer.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lakewood, Colorado home equity loan and HELOC rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners, including the iCanBuy home equity offers widget shown above. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Home Equity Rate Data: We aggregate home equity loan and HELOC rates for Lakewood, Colorado directly from the official websites of local lenders, credit unions, and national institutions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home equity products in Lakewood, Colorado. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national lenders accepting applications from Colorado borrowers.

Local-First Sorting: Rate tables on city pages list institutions with physical branches in the city first, followed by statewide institutions, then national lenders — regardless of APR. This intentional ordering helps homeowners find lenders they can walk into for an in-person closing, since home equity products often involve appraisal, notarization, and other steps that benefit from a local relationship.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update home equity rates daily. Because HELOC rates move with the prime rate and the broader market, every product features its own “last updated” date for full transparency.

Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.

Home Equity Basics for Lakewood, Colorado Homeowners

Home equity is the share of a property the owner truly owns: the home's current market value minus the balance still owed on the mortgage. For a Lakewood, Colorado homeowner, it grows as the mortgage is paid down and as the property appreciates. Lenders let homeowners borrow against this equity, using the home as collateral, which is why home equity products generally carry lower rates than credit cards or unsecured personal loans.

Home Equity Loan vs. HELOC in Lakewood, Colorado

A home equity loan advances a lump sum at a fixed rate, repaid in equal installments over a set term, useful for a one-time expense with a known cost. For example, Credit Union Of Colorado is listing its Home Equity Wall Street Journal Prime Rate at 6.75%. A home equity line of credit (HELOC) works more like a credit card: a revolving credit limit the borrower can draw from as needed during a draw period, usually at a variable rate. On the line-of-credit side, First Interstate Bank is listing its Home Equity HELOC Special Offer at 5.24%. For Lakewood, Colorado borrowers, a loan offers payment certainty, while a HELOC offers flexibility for ongoing or uncertain costs.

How Much Lakewood, Colorado Homeowners Can Borrow

Most lenders allow borrowing up to a combined loan-to-value ratio of 80 to 85 percent, meaning the mortgage balance plus the new home equity debt cannot exceed that share of the home's value. For a Lakewood, Colorado homeowner, the exact amount available also depends on credit score, income, and the lender's policies. Because the borrowing limit is tied to current value, an appraisal is typically part of the approval process.

How Lakewood, Colorado Home Equity Rates Are Set

HELOC rates are usually variable and tied to the prime rate, so they move when the Federal Reserve changes short-term rates, while home equity loan rates are typically fixed and priced off longer-term benchmarks. On top of that market baseline, the rate a Lakewood, Colorado borrower receives reflects credit score, combined loan-to-value ratio, and loan amount, so stronger credit and more equity generally earn a lower rate. A borrower’s final rate is set once an application is underwritten.

Risks for Lakewood, Colorado Borrowers to Weigh

Because the home secures the debt, falling behind on payments can ultimately put the property at risk, so home equity borrowing is best reserved for purposes that preserve or build value, such as renovations or consolidating higher-rate debt. For Lakewood, Colorado borrowers, variable-rate HELOCs also carry the risk that payments rise if rates climb, and some lines shift from interest-only payments to full repayment after the draw period ends. Understanding the repayment structure before borrowing helps avoid payment shock later.

Frequently Asked Questions about Home Equity & HELOC Rates in Lakewood, Colorado

What is the difference between a home equity loan and a HELOC in Colorado?

A home equity loan is a closed-end second mortgage with a fixed interest rate, fixed monthly payment, and fixed repayment term (typically 5-30 years). You receive the full loan amount as a lump sum at closing. A HELOC (home equity line of credit) is revolving credit with a variable rate tied to the prime rate. During the draw period (usually 10 years), you can borrow up to your credit limit as needed, and you typically pay interest only on the amount drawn. The HELOC then enters a repayment period (often 20 years) where you pay back principal and interest. In Colorado, both products are widely available from local banks and credit unions.

How much equity do I need to qualify for a HELOC or home equity loan?

Most lenders in Colorado require you to maintain at least 15-20% equity in your home after the new HE loan or HELOC. This means the combined loan-to-value ratio (CLTV) of your first mortgage plus the new home equity product cannot exceed 80-85% of your home's appraised value. Some lenders offer up to 90% CLTV for borrowers with strong credit, though rates and terms tighten at higher LTVs.

What credit score do I need for a home equity loan in Colorado?

Most Colorado lenders require a minimum credit score of 620-640 for a home equity loan or HELOC, with the best rates reserved for borrowers with scores of 740 or higher. Credit score is one of several factors lenders consider, alongside your debt-to-income ratio, employment history, and the amount of equity in your home.

Are HELOC interest payments tax-deductible?

Under current IRS rules, interest on a HELOC or home equity loan is tax-deductible only if the proceeds are used to buy, build, or substantially improve the home that secures the loan. Interest on funds used for other purposes (debt consolidation, college tuition, vehicles, etc.) is not deductible. Total mortgage interest deductions are also capped at $750,000 of combined mortgage debt (or $1 million for loans taken before December 15, 2017). Consult a tax professional for advice on your specific situation.

What is the current prime rate and how does it affect my HELOC?

The prime rate is the benchmark short-term rate that most U.S. banks use as the basis for HELOC pricing. Your HELOC rate is typically expressed as prime + margin, where the margin is a fixed number of percentage points determined at origination based on your credit profile. When the Federal Reserve raises or lowers its federal funds target rate, banks generally adjust the prime rate within days, and your HELOC rate moves with it on the next billing cycle. This is why HELOCs are considered variable-rate products and why borrowers in Colorado benefit from comparing current margins across multiple lenders rather than focusing only on the introductory rate.

What is a HELOC draw period?

The draw period is the initial phase of a HELOC during which you can borrow against your credit line as needed. It typically lasts 10 years. During the draw period, most lenders only require interest payments on the amount you've actually drawn, though some allow or require principal payments as well. After the draw period ends, the HELOC enters the repayment period (often 20 years), during which you can no longer draw new funds and must repay principal and interest on the outstanding balance.

Can I use a home equity loan or HELOC for debt consolidation?

Yes -- and this is one of the most common uses. Because home equity products are secured by your home, they typically carry significantly lower interest rates than credit cards or personal loans. Borrowers in Colorado often use HELOC or home equity loan proceeds to pay off higher-interest credit card debt. The trade-off is that you're converting unsecured debt into debt secured by your home, so default risk shifts: missing payments could put your home at risk. Run the numbers and make sure the monthly savings are worth that trade-off.

Are there closing costs on a home equity loan or HELOC?

Most home equity loans charge closing costs ranging from 2-5% of the loan amount, similar to a primary mortgage but on a smaller principal. HELOCs frequently have lower or even no closing costs, though some lenders charge an annual fee, an inactivity fee, or early-termination fees. Many lenders in Colorado run promotional offers waiving closing costs on HELOCs in exchange for maintaining the line open for a minimum period (typically 3 years).

Should I get a HELOC or a home equity loan?

Choose a home equity loan if you need a specific lump sum (e.g. major renovation, vehicle purchase) and want fixed payments. The fixed rate protects you against future rate increases. Choose a HELOC if you want flexibility -- access to funds as needed over a 10-year draw period, with interest charged only on what you actually borrow. HELOCs are good for ongoing projects, emergency reserves, or any situation where the total amount needed is uncertain. The trade-off is HELOC rates are variable and may rise.

Can I refinance my HELOC into a fixed-rate home equity loan in Colorado?

Yes. Many borrowers in Colorado refinance HELOC balances into fixed-rate home equity loans when rates are rising, locking in a predictable payment and protecting against further rate increases. Some lenders also offer a fixed-rate conversion option built into the HELOC itself -- allowing you to convert all or part of your outstanding balance into a fixed-rate sub-account without a full refinance.

How much equity could a homeowner in Lakewood, Colorado have?

According to U.S. Census Bureau data, the median owner-occupied home in Lakewood, Colorado is valued at approximately $574,400. A homeowner who has paid the original mortgage down to about 65% of that value would hold roughly $201,040 in equity. At a typical 85% combined loan-to-value limit, that translates to an estimated $114,880 available to borrow through a home equity loan or HELOC, depending on credit profile and lender underwriting. Source: U.S. Census Bureau.

What is a typical home equity loan amount in Lakewood, Colorado?

There is no single standard amount — it depends on how much equity you hold and your lender's limits. As a rough illustration, borrowing 15% of the Lakewood, Colorado median home value of $574,400 would be about $86,160. Many borrowers take less than the maximum they qualify for, since the loan is secured by their home. Use the rate tables above to compare current offers from lenders serving Colorado.

Can households in Lakewood, Colorado afford a home equity loan payment?

Affordability depends on your existing debts, but local income gives useful context. The local median household income is approximately $89,792, against a median home value of $574,400 — a price-to-income ratio of about 6.4x. Lenders generally want your total monthly debt payments, including a new home equity loan or HELOC, to stay within 43-50% of gross monthly income. Source: U.S. Census Bureau.

How do property taxes in Lakewood, Colorado affect home equity borrowing?

Property taxes do not directly limit how much you can borrow, but they are part of the total housing cost lenders weigh in your debt-to-income calculation. Local owners pay a median of roughly $2,793 per year in property taxes. Higher carrying costs leave less room in a monthly budget for a new home equity loan or HELOC payment, so factoring them in early gives you a realistic borrowing target. Source: U.S. Census Bureau.

What percentage of homeowners in Lakewood, Colorado have a mortgage they could tap for equity?

According to the U.S. Census Bureau Housing Vacancies and Homeownership survey (CPS/HVS), the homeownership rate in the Lakewood, CO metro area is approximately 58.2%, compared with the national rate of 65.7%. A significant share of those owners carry a mortgage and build equity with every payment, making them potential candidates for a home equity loan or HELOC. Source: census.gov/housing/hvs.

What are the best home equity rates in Lakewood, Colorado?

  • First Interstate Bank: 5.24% (Home Equity HELOC Special Offer)
  • Academy Bank: 5.49% (Home Equity Line of Credit)
  • UMB Bank: 5.49% (Home Equity Line of Credit)
  • Foothills Credit Union: 6.00% (Platinum (75% CLTV) HELOC)
  • Credit Union Of Denver: 6.25% (Home Equity HELOC ~ 80% CLTV)
Rates reflect actual verified offers from lenders actively serving Colorado borrowers. Your final approved rate will depend on your credit profile, the equity in your home, your combined loan-to-value ratio, and daily market movements. Last Updated and Verified: September 28, 2026

Lakewood, Colorado Rates & Resources