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Byesville, Ohio Home Equity Loan & HELOC Rates - August 2026

Current home equity loan rates in Byesville, Ohio include Fremont Federal Credit UnionFremont Federal Credit UnionA+5.0 ★Texas Ratio: 3.46% offering Home Equity Loan at 4.00%, Northwest Bank Warren, PANorthwest Bank Warren, PAA+5.0 ★Texas Ratio: 5.33% offering Home Equity Loans at 4.25%, USXUSXA+5.0 ★Texas Ratio: 1.67% offering Fixed Rate Home Equity Loans at 4.54%, PSE Credit Union IncPSE Credit Union IncA+5.0 ★Texas Ratio: 4.15% offering Home Equity Loans at 4.70%, and First Financial BankFirst Financial BankA+5.0 ★Texas Ratio: 3.48% offering Home Equity HELOC at 4.99%. Home equity and HELOC rates as of August 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 Ohio 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: August 28, 2026

Compare Home Equity & HELOC Rates Today in Byesville, Ohio & the Surrounding Area

Byesville Home Equity Loan Rates

Source: Verified Home Equity Loans Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
Home Equity Loan
4.00%
4.00%
Rate4.00%
APR4.00%
Points0.000
UpdatedAug 28, 2026
Details

APR is variable and based on the Wall Street Journal Prime Rate plus a margin determined by creditworthiness. APR may change quarterly and may increase after account opening. The minimum APR is 4.00% and the maximum APR is 18.00%. Minimum line of credit amount is $5,000. During the 5-year draw period, payments are calculated based on a 15-year amortization. After the draw period ends, payments may increase. Additional terms and conditions may apply. Contact us for full details.

Northwest Bank Warren, PA
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
Home Equity Loans
4.25%
4.25%
Rate4.25%
APR4.25%
Points0.000
UpdatedAug 28, 2026
Details

Rates as low as 4.25% Annual Percentage Rate. Tap into your home's equity.

USX
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Fixed Rate Home Equity Loans
5 Year
4.54%
4.54%
Rate4.54%
APR4.54%
Points0.000
UpdatedAug 28, 2026
Details

Loans $10,000 to $350,000

PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Home Equity Loans
4.70%
4.70%
Rate4.70%
APR4.70%
Points0.000
UpdatedAug 28, 2026
Details

Rates As Low As; *** View our Home Equity Loan Options >

USX
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Fixed Rate Home Equity Loans - 5 Year
5 Year
4.89%
4.89%
Rate4.89%
APR4.89%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

USX
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Fixed Rate Home Equity Loans
10 Year
4.94%
4.94%
Rate4.94%
APR4.94%
Points0.000
UpdatedAug 28, 2026
Details

Loans $10,000 to $350,000

USX
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Fixed Rate Home Equity Loans - 5 Year
5 Year
5.19%
5.19%
Rate5.19%
APR5.19%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

USX
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Fixed Rate Home Equity Loans - 10 Year
10 Year
5.29%
5.29%
Rate5.29%
APR5.29%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

USX
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Fixed Rate Home Equity Loans
15 Year
5.34%
5.34%
Rate5.34%
APR5.34%
Points0.000
UpdatedAug 28, 2026
Details

Loans $10,000 to $350,000

Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
Home Equity Loan (fixed rate)
120 months
5.50%
5.50%
Rate5.50%
APR5.50%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Achieve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Home Equity
5.50%
5.50%
Rate5.50%
APR5.50%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Achieve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Home Equity Loan
Up to 180 Months
5.50%
5.50%
Rate5.50%
APR5.50%
Points0.000
UpdatedAug 28, 2026
Details

As Low As; Fixed Rate APR

USX
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Fixed Rate Home Equity Loans - 10 Year
10 Year
5.59%
5.59%
Rate5.59%
APR5.59%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

USX
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Fixed Rate Home Equity Loans
20 Year
5.64%
5.64%
Rate5.64%
APR5.64%
Points0.000
UpdatedAug 28, 2026
Details

Loans $10,000 to $350,000

Cardinal Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
Home Equity Loan/Fixed Rate (1st Lien)
5.65%
5.65%
Rate5.65%
APR5.65%
Points0.000
UpdatedAug 28, 2026
Details

Up to 80% Max LTV Restrictions may apply

USX
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Fixed Rate Home Equity Loans - 15 Year
15 Year
5.69%
5.69%
Rate5.69%
APR5.69%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
Home Equity Loan (fixed rate)
180 months
5.75%
5.75%
Rate5.75%
APR5.75%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Home Equity Closed End Loans (Fixed Rate) - 80% LTV
60 months
5.75%
5.75%
Rate5.75%
APR5.75%
Points0.000
UpdatedAug 28, 2026
Details

(with closing costs)

Towpath Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
Fixed Rate Home Equity Loan
5.95%
5.95%
Rate5.95%
APR5.95%
Points0.000
UpdatedAug 28, 2026
Details

As low as

Port Conneaut Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
Home Equity
5.99%
5.99%
Rate5.99%
APR5.99%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
Closed End, Fixed Rate Home Equity 5 Year Fixed
5 Year Fixed
5.99%
5.99%
Rate5.99%
APR5.99%
Points0.000
UpdatedAug 28, 2026
Details

As low as*

The Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
Home Equity
5.99%
5.99%
Rate5.99%
APR5.99%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

USX
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Fixed Rate Home Equity Loans - 15 Year
15 Year
5.99%
5.99%
Rate5.99%
APR5.99%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Cardinal Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
Home Equity Loan/Fixed Rate (2nd Lien)
6.15%
6.15%
Rate6.15%
APR6.15%
Points0.000
UpdatedAug 28, 2026
Details

Up to 80% Max LTV Restrictions may apply

Firefighters Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Home Equity Loan (Fixed Rate)
6.17%
6.17%
Rate6.17%
APR6.17%
Points0.000
UpdatedAug 28, 2026
Details

As Low As; Fixed Rate

BFG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Home EQUITy
6.24%
6.24%
Rate6.24%
APR6.24%
Points0.000
UpdatedAug 28, 2026
Details

As Low As; Rates accurate as of August 24, 2026

Stark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
Home Equity Loan (Fixed Rate)
0 - 60 months
6.24%
6.24%
Rate6.24%
APR6.24%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
Closed End, Fixed Rate Home Equity 7 Year Fixed
7 Year Fixed
6.24%
6.24%
Rate6.24%
APR6.24%
Points0.000
UpdatedAug 28, 2026
Details

As low as*

AurGroup Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
Fixed-Rate Home Equity
Up to 5 Year
6.24%
6.24%
Rate6.24%
APR6.24%
Points0.000
UpdatedAug 28, 2026
Details

Up to 80 %; Up to 90 %

CLEARVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
5 Year Home Equity Loan
5 Year
6.24%
6.24%
Rate6.24%
APR6.24%
Points0.000
UpdatedAug 28, 2026
Details

Rates as low as 6.24 % APR

St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Home Equity Loan
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

As Low As; *

Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Home Equity Closed End Loans (Fixed Rate) - 80% LTV
120 months
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

(with closing costs)

Wiremens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Home Equity
15 year loan
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

up to $100,000.00; 5 year draw

Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Home Equity 80% LTV
10 Year Variable
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
Home Equity Closed End, Fixed Rate Loans - 180 Months
180 Months
6.30%
6.30%
Rate6.30%
APR6.30%
Points0.000
UpdatedAug 28, 2026
Details

Loan-to-Value: 80% or Less; Rates include 0.25% discount with automatic payment from a United checking account.

Farmers National Bank of Canfield
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
10 Year Fixed Rate Home Equity Fixed Installment Loan
10 Year
6.25%
6.39%
Rate6.25%
APR6.39%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
10 year home equity loan
10 year
6.49%
6.49%
Rate6.49%
APR6.49%
Points0.000
UpdatedAug 28, 2026
Details

As low as1

CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 5.54%
5-Year Fixed Home Equity Loan
5-Year Fixed
6.49%
6.49%
Rate6.49%
APR6.49%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Fixed Rate Home Equity 80% LTV
Up to 60 Months
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
Home Equity Closed End, Fixed Rate Loans - 120 Months
120 Months
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

Loan-to-Value: 80% or Less; Rates include 0.25% discount with automatic payment from a United checking account.

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Home Equity up to 70% LTV
10 Years (CA, OR, WA)
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Home Equity up to 75% LTV
10 Years (NY, MA, OH, NC)
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Second Mortgage (80% LTV)
10 to 15 Years
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

As low as 6.50%

Farmers National Bank of Canfield
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
20 Year Fixed Rate Home Equity Fixed Installment Loan
20 Year
6.50%
6.58%
Rate6.50%
APR6.58%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
Home Equity Loan
Up to 120 Months
6.25%
6.68%
Rate6.25%
APR6.68%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
5 Year Home Equity Loan
5 Year
6.69%
6.69%
Rate6.69%
APR6.69%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
Home Equity Closed End, Fixed Rate Loans - 60 Months
60 Months
6.70%
6.70%
Rate6.70%
APR6.70%
Points0.000
UpdatedAug 28, 2026
Details

Loan-to-Value: 80% or Less; Rates include 0.25% discount with automatic payment from a United checking account.

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
5/1 Home Equity Loan
6.69%
6.73%
Rate6.69%
APR6.73%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
15 year home equity loan
15 year
6.74%
6.74%
Rate6.74%
APR6.74%
Points0.000
UpdatedAug 28, 2026
Details

As low as1

Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
Closed End, Fixed Rate Home Equity 10 Year Fixed
10 Year Fixed
6.74%
6.74%
Rate6.74%
APR6.74%
Points0.000
UpdatedAug 28, 2026
Details

As low as*

AurGroup Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
Fixed-Rate Home Equity
Up to 5 Year
6.74%
6.74%
Rate6.74%
APR6.74%
Points0.000
UpdatedAug 28, 2026
Details

Up to 80 %; Up to 90 %

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Fixed Rate Home Equity Up to 80% LTV
61 - 120 Months
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Home Equity Fixed
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Home Equity 60 Months Fixed
60 Months
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Home Equity Loans (LTV 85% or Less)

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Home Equity LTV 85% or Less
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Home Equity Line of Credit

Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Home Equity Closed End Loans (Fixed Rate) - 90% LTV
60 months
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

(with closing costs)

USX
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Fixed Rate Home Equity Loans FIRST LIEN POSITION
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Rates are "as low as" for each loan category. The rate applicable for each borrower will be based on their individual credit worthiness. All loan approvals are subject to normal loan underwriting guidelines. Minimum Real Estate secured loan amount $10,000. Property must be owner occupied and primary residence located in Pennsylvania or Ohio.

Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Home Equity 90% LTV
10 Year Variable
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

LorMet Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Fixed Rate Home Equity Loan
up to 15 years
6.78%
6.78%
Rate6.78%
APR6.78%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10 Year Home Equity Loan
10 Year
6.79%
6.79%
Rate6.79%
APR6.79%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Byesville HELOC Rates

Source: Verified HELOC Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
USX
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Variable Rate Home Equity Line-of-Credit (HELOC)
10 Year Draw Period
4.79%
4.79%
Rate4.79%
APR4.79%
Points0.000
UpdatedAug 28, 2026
Details

Introductory rate fixed at 4.79% APR for 12 months from loan closing date. After introductory period, APR will be a variable rate as indicated below. Rates are adjusted on a quarterly basis and are indexed to a Prime Rate published in the WALL STREET JOURNAL (WSJ). Rate adjusted effective July 1, 2026 based on the WALL STREET JOURNAL. Prime rate is (6.75%) as of June 20, 2026 in accordance with loan terms. *Maximum adjustment is 2% in a calendar year. Rate cannot go below 4.0%* Minimum Real Estate secured loan amount $10,000. Property must be owner occupied and primary residence located in Pennsylvania or Ohio.

First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Home Equity HELOC
6 months
4.99%
4.99%
Rate4.99%
APR4.99%
Points0.000
UpdatedAug 28, 2026
Details

Introductory rates start at 4.99% for the first 6 months. $10,000 minimum loan amount or increase to existing line required. Eligible on owner occupied properties only. Must apply by December 31, 2026 for promotional rate. Non-promotional rate ranges from 7.00% to 10.45% APR.

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
Home Equity Line of Credit (HELOC)
6 Month
4.99%
4.99%
Rate4.99%
APR4.99%
Points0.000
UpdatedAug 28, 2026
Details

Intro rate expires: 6 months; The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.00% to 18.00% APR based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It's advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
Interest Only Home Equity Line of Credit
6 months
4.99%
4.99%
Rate4.99%
APR4.99%
Points0.000
UpdatedAug 28, 2026
Details

Intro rate expires: 6 months; The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.25% to 18.00% APR based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It's advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
Home Equity Line of Credit
4.99%
4.99%
Rate4.99%
APR4.99%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

ih Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Home Equity Line of Credit
4.99%
4.99%
Rate4.99%
APR4.99%
Points0.000
UpdatedAug 28, 2026
Details

Rates as low as 6.75% APR! Special Limited Time

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Home Equity Line of Credit (HELOC) Interest Only
6-Month Intro Rate
4.99%
5.03%
Rate4.99%
APR5.03%
Points0.000
UpdatedAug 28, 2026
Details

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. Loan features 10-year draw and 15-year repayment period. 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. Membership eligibility is required. Loan subject to approval. Equity limits and underwriting requirements vary by state.

AurGroup Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
HELOC
5.49%
5.49%
Rate5.49%
APR5.49%
Points0.000
UpdatedAug 28, 2026
Details

LTV: Up to 50 %

Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
Home Equity Line of Credit
12 months
5.75%
5.75%
Rate5.75%
APR5.75%
Points0.000
UpdatedAug 28, 2026
Details

Introductory APR for the first 12 months*. As low as 7.00% APR after the first year with no closing costs** and no processing fees.

FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Home Equity Line
240 months
5.75%
5.75%
Rate5.75%
APR5.75%
Points0.000
UpdatedAug 28, 2026
Details

As low as; Rate: Prime -1% (Wall Street Journal); The annual percentage rate can change annually on the first day of February. The rate cannot increase or decrease more than 2 percentage points in any one-year period.; Minimum APR is 2.99%; Maximum APR is 18%; 5 year draw period/20 year total repayment of loan

MyUSA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
HELOC (Home Equity Line of Credit)
5.75%
5.75%
Rate5.75%
APR5.75%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

AurGroup Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
HELOC
5.75%
5.75%
Rate5.75%
APR5.75%
Points0.000
UpdatedAug 28, 2026
Details

LTV: 50 % to 80 %

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Home Equity - Line of Credit (Fixed Rate)
15 Year Max.
5.99%
5.99%
Rate5.99%
APR5.99%
Points0.000
UpdatedAug 28, 2026
Details

Loan to Value <=80%; Maximum credit line is $199,000. Minimum required initial draw is $10,000.

Bridge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
Home Equity HELOC
6.00%
6.00%
Rate6.00%
APR6.00%
Points0.000
UpdatedAug 28, 2026
Details

Your Home, Your Equity. Special HELOC Rate as Low as Prime Minus .75%. No Closing Costs!**

Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Home Equity HELOC
6.00%
6.00%
Rate6.00%
APR6.00%
Points0.000
UpdatedAug 28, 2026
Details

Your Home, Your Equity. Special HELOC Rate as Low as Prime Minus .75%. No Closing Costs!**

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Home Equity Line of Credit
6.00%
6.00%
Rate6.00%
APR6.00%
Points0.000
UpdatedAug 28, 2026
Details

variable rates

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Home Equity Variable
6.00%
6.00%
Rate6.00%
APR6.00%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Stark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
Home Equity Line of Credit
Less than 80% loan to value ratio
6.24%
6.24%
Rate6.24%
APR6.24%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Home Equity - Line of Credit (Variable Rate)
20 Year Max.
6.24%
6.24%
Rate6.24%
APR6.24%
Points0.000
UpdatedAug 28, 2026
Details

Loan to Value <=80%; Prime Rate -0.51% (Minimum Rate of 3.25%); This rate may vary.

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Home Equity Line of Credit
6.24%
6.24%
Rate6.24%
APR6.24%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
Home Equity Line of Credit
Variable Rate
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

Tiered amortization based on outstanding balance Example of payment for $1,000, 120 months = $12

Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
HELOC
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

As Low As; 85% LTV

LorMet Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Home Equity Line of Credit
20 years
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Home Equity Line of Credit
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

75% Loan to Value

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
Home Equity Line of Credit
10 Year Draw/10 Year Repayment
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

Interest Only; Prime - .50%, currently 6.25%, Floor Rate 2.75%; Home equity lines of credit have a variable annual percentage rate that can change quarterly based on prime rate. The maximum home equity lines of credit rate is 18%. If you make a payment 10 days or more after the due date, you may be charged 5% of the payment amount.

Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
Home Equity Line of Credit - Non-Variable/Variable Rate
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

Rate: Prime; CLTV: Up to 80% CLTV - Non-variable rate which changes to variable during repayment

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Variable Rate HELOC
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

KEMBA Advantage APR as low as; Everyday APR as Low as: 6.75%

Telhio Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
Home Equity Line of Credit
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

Rates as low as

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
Home Equity Line of Credit
5 Years
6.00%
6.25%
Rate6.00%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

Non Variable; Up to 80% LTV; 5 Year Draw Period

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Variable Rate HELOC
6.49%
6.49%
Rate6.49%
APR6.49%
Points0.000
UpdatedAug 28, 2026
Details

KEMBA Advantage APR as low as; Everyday APR as Low as: 6.99%

Greenville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Home Equity Line of Credit
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

Variable interest rate that can change monthly based on an index (Wall Street Journal Prime) plus margin of -0.25 - 3.50. Maximum APR of 21.00%. No annual fee.

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Interest-only Home Equity Line of Credit
Up to 60 months
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
Home Equity Line of Credit
300 Months
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

As low as Variable

Ohio Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Home Equity HELOC-Variable Rate
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

PRIME MINUS 0.25%

Quest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.91%
Home Equity FIXED RATE HELOC 7YR BALLOON
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

Fixed Rate HELOC, Call CU for Details

GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Home Equity Line of Credit (Variable)
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

All loans subject to approval and terms. Rates include all possible discounts. Contact us to determine which discounts apply to you.

Towpath Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
Variable Rate Home Equity Line of Credit
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

As low as

First Federal Community Bank N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
Home Equity Line of Credit
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

Based on a loan to value of 80% and credit score of 700

Cardinal Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
Home Equity Line of Credit/Variable Rate (1st Lien)
6.65%
6.65%
Rate6.65%
APR6.65%
Points0.000
UpdatedAug 28, 2026
Details

Up to 85% Max LTV Restrictions may apply

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Interest-only Home Equity Line of Credit
61 - 120 months
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Interest-only Home Equity Line of Credit Up to 80% LTV
10 year draw 15-year amortization
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
Home Equity Line of Credit (HELOC) up to 80% LTV
Up to 15 Years
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Rate: As low as the Prime Rate

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Home Equity Line of Credit HELOC
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

LIFETIME INDEX = PRIME RATE Currently 6.75%; MAXIMUM LTV 80% (NY, MA, OH, NC); MAXIMUM AMOUNT $300,000.00; MARGIN as low as 0.000%; CONTRACT APR* as low as 6.75%

DN Community Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.93%
Variable Home Equity
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
Home Equity Line of Credit
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Rate shown will not apply to every loan and may vary based on other factors.

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
Home Equity Line of Credit
10 Year Draw/10 Year Repayment
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Prime + 0.00 , currently 6.75%, Floor Rate 4.00%; Home equity lines of credit have a variable annual percentage rate that can change quarterly based on prime rate. The maximum home equity lines of credit rate is 18%. If you make a payment 10 days or more after the due date, you may be charged 5% of the payment amount.

Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
Home Equity Line of Credit (80% LTV - Max)
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
Home Equity Line of Credit
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

LTV: 80%; Variable APR; as low as 6.75%*

Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
Home Equity Line of Credit
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

As Low As (Prime); Loan to Value: 80% or Less

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Home Equity Line of Credit
25 years (15-year draw, 10-year repayment)
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Variable rate based on Prime Rate + 0.00% (currently 6.75% APR) to Prime Rate + 5.50% (currently 12.25% APR), depending upon your creditworthiness and the loan-to-value (LTV). The APR may increase or decrease quarterly, but it will never fall below 4.00% APR and will never exceed 25.00% APR. Making only the minimum payment each month during the draw period will not reduce principal, and your payments during the repayment period may substantially increase from what you paid during the interest-only period. The amount of savings realized with debt consolidation varies by loan. Since a Home Equity Line of Credit may have a longer term than some of the bills being consolidated, there may not be a savings over the entire life of the line if you make only the minimum payments. Federally guaranteed student loans and other loans with special government benefits should not be consolidated because you may lose the benefits. Property must be an owner-occupied single-family residence, second home located 50 miles or more away from borrower's primary residence, duplex, or up to four units, if owner-occupied and is the primary residence of the applicant. Property insurance is required on the property securing the loan, and flood insurance is required when the property is in a flood zone. Closing costs will be required up to $750, which may vary based on the market. Assessment of the property may require an appraisal based on the loan amount or LTV of the property; the cost of this appraisal may vary up to $475, which is included in the closing costs. If your payment is more than 10 days late there is a Late Payment Fee of 5% of the payment due. Consult a tax advisor regarding the deductibility of interest.

Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
Home Equity Line of Credit
5-year draw, 10-year repayment
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

As low as; variable; Promotional Rate of Prime minus 1.50% APR for the first 6 months of the loan, then Prime Rate + 0% for the remaining term, currently 6.75% APR with no application fee, closing costs or annual fee. This is a variable rate line of credit. Members may borrow up to 80% of the value of their home, less their first mortgage balance. Members borrowing greater than 80% are subject to the current rate plus a margin. This is a Variable Rate Line of Credit, indexed to the Prime Rate as published in the Wall Street Journal plus a margin determined by the Board of Directors. The interest rate on approved loans can change semi-annually on the first day of February and August. The rate will be determined 1 days prior to the change date. The maximum rate is 18.00% APR or that allowed by law. Members cancelling a Home Equity Line of Credit during the initial 5-year draw period will pay the remaining unamortized closing costs. Ohio residents only. Available only on Owner-Occupied Residence. Subject to credit approval from each member's individual credit quality.

Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Home Equity Line of Credit (HELOC) (Variable Rate) up to 100% loan value
Call for details
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Firefighters Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Home Equity Line of Credit Loan
7 yr. draw period, 15 year repayment
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

As Low As; Variable Rate

Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Home Equity Line of Credit (Variable)
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

As low as; Up to 80% LTV

Achieve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Home Equity Line of Credit (HELOC)
Up to 120 Months
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

ERIE COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 7.53%
Home Equity Lines of Credit
15 Years
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Variable

Farmers National Bank of Canfield
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
Home Equity Line of Credit
30 years
5.25%
6.75%
Rate5.25%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Introductory APR is 5.25% for 6 months. Variable APR after introductory period based on Prime Rate. Rate will not vary above 20.00% APR or below 4.00% APR except during the introductory period. Minimum new money loan amount of $25,000 or minimum $25,000 increase to an existing line with a minimum credit score of 720 required. Auto debit from a Farmers National Bank checking account required to receive the lowest rate. Advances of credit can be obtained during the draw period of 120 months. After the draw period, the repayment period of 240 months begins. Customer pays no closing costs up to a $250,000 loan, except a $300 Loan Origination Fee. Annual fee of $60 assessed upon the first anniversary. Prepayment Penalty of $400 if terminated within the first three years.

Farmers National Bank of Canfield
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
5-year Fixed Home Equity Line of Credit
300 months
6.25%
6.75%
Rate6.25%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Introductory APR is 6.25% for 5 years. Variable APR after introductory period based on Prime Rate. Rate will not vary above 20.00% APR or below 4.00% APR except during the introductory period. Minimum new money loan amount of $25,000 or minimum $25,000 increase to an existing line with a minimum credit score of 720 required. Auto debit from a Farmers National Bank checking account required to receive the lowest rate. Advances of credit can be obtained during the draw period of 60 months. After the draw period, the repayment period of 240 months begins. Customer pays no closing costs up to a $250,000 loan, except a $300 Loan Origination Fee. Annual fee of $60 assessed upon the first anniversary. Prepayment Penalty of $400 if terminated within the first three years.

Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
ADJUSTABLE RATE HOME EQUITY LINE OF CREDIT
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

APR is based only on rate and not fees. For Home Equity Lines of Credit over $100,000.00 additional fees may apply. After the first year there is an annual participation fee of $50.00. Minimum loan amount is $15,000.00. Your APR will vary based on your final loan amount and finance charges.

CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Home Equity Line of Credit
6.75%
6.76%
Rate6.75%
APR6.76%
Points0.000
UpdatedAug 28, 2026
Details

1

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.

Byesville, Ohio Home Equity Snapshot

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

Median Home Value
$97,600
Census ACS, owner-occupied
Est. Equity Held
$34,160
Typical owner at ~35% paid down
Est. Borrowable
$19,520
At 85% combined loan-to-value
Median Household Income
$42,500
Census ACS
Median Property Tax
$910/yr
Census ACS
Homeownership Rate
72.1%
Census CPS/HVS (metro area)
Price-to-Income Ratio
2.3x
Home value vs. household income
2026 Conforming Limit
$832,750
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 Byesville, Ohio?

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 $97,600, 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 $68,320 $29,280 $14,640
Roughly halfway through $53,680 $43,920 $29,280
Well into repayment $39,040 $58,560 $43,920

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 $42,500 — 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.

Byesville, OH Home Equity Rate Trends

Compare local Byesville, OH 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 Ohio HE Trends
HELOC — OH Avg
6.905%
▼ 0.241 vs 7 days ago

Ohio HELOC rates fell 0.241 points over the past 7 days to 6.905%.

Home Equity Loan — OH Avg
6.909%
▲ 0.177 vs 7 days ago

Ohio home equity loan rates rose 0.177 points over the past 7 days to 6.909%.

As of Aug 29, 2026 • Rate data sourced from our monitored institution network
Powered by MonitorBankRates

Ohio Home Equity Rate Forecast — Next 12 Months

Where are Ohio HELOC and home equity loan rates headed through August 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 OH HELOC Avg
6.905%
Variable (prime + margin)
12-Mo HELOC Forecast
6.655%
Range: 6.41% – 6.86%
Current OH HE Loan Avg
6.909%
Fixed rate
12-Mo HE Loan Forecast
6.509%
Range: 6.16% – 6.81%

What Forecast Rates Mean for Byesville, OH 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 (OH avg) 6.905% $288 6.909% $447
6-Month Forecast 6.905% $288 6.909% $447
12-Month Forecast 6.655% (6.41–6.86%) $277 (-$11) 6.509% (6.16–6.81%) $436 (-$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 Byesville, Ohio

Byesville, Ohio Equity Math

According to the U.S. Census Bureau, the median owner-occupied home value in Byesville, Ohio is approximately $97,600. A homeowner who owes 60% of their original mortgage on a median-valued home would have roughly $39,040 in available equity. At a typical 85% CLTV limit, that means they could potentially borrow up to $24,400 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

Byesville, Ohio 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?

$
$
Estimated You Could Borrow $0

2. Estimated Monthly Payment

$

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

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Estimated Monthly Payment $0

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 Byesville, Ohio 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 Byesville, Ohio 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 Byesville, Ohio. 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 Ohio 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 Byesville, Ohio 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 Byesville, Ohio 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 Byesville, Ohio

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, Fremont Federal Credit Union is listing its Home Equity Loan at 4.00%. 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, USX is listing its Variable Rate Home Equity Line-of-Credit (HELOC) at 4.79%. For Byesville, Ohio borrowers, a loan offers payment certainty, while a HELOC offers flexibility for ongoing or uncertain costs.

How Much Byesville, Ohio 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 Byesville, Ohio 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 Byesville, Ohio 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 Byesville, Ohio 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 Byesville, Ohio 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 Byesville, Ohio 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 Byesville, Ohio

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

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 Ohio, 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 Ohio 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 Ohio?

Most Ohio 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 Ohio 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 Ohio 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 Ohio 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 Ohio?

Yes. Many borrowers in Ohio 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 Byesville, Ohio have?

According to U.S. Census Bureau data, the median owner-occupied home in Byesville, Ohio is valued at approximately $97,600. A homeowner who has paid the original mortgage down to about 65% of that value would hold roughly $34,160 in equity. At a typical 85% combined loan-to-value limit, that translates to an estimated $19,520 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 Byesville, Ohio?

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 Byesville, Ohio median home value of $97,600 would be about $14,640. 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 Ohio.

Can households in Byesville, Ohio 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 $42,500, against a median home value of $97,600 — a price-to-income ratio of about 2.3x. 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 Byesville, Ohio 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 $910 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 Byesville, Ohio 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 Byesville, OH metro area is approximately 72.1%, 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 Byesville, Ohio?

  • Fremont Federal Credit Union: 4.00% (Home Equity Loan)
  • Northwest Bank Warren, PA: 4.25% (Home Equity Loans)
  • USX: 4.54% (Fixed Rate Home Equity Loans)
  • PSE Credit Union Inc: 4.70% (Home Equity Loans)
  • First Financial Bank: 4.99% (Home Equity HELOC)
Rates reflect actual verified offers from lenders actively serving Ohio 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: August 28, 2026

Byesville, Ohio Rates & Resources