Best Credit Union HELOC Lenders for Lower Rates and Fees (2026)

The research in brief

iQ Credit Union is the consensus leader among credit union HELOC lenders for a member-owned institution seeking a lower-cost HELOC, named by all seven platforms studied (100.0% share, average listed position 3.57, best position 1). Alliant Credit Union is the strongest alternative for borrowers who want broad online membership and low upfront lender fees, while Navy Federal Credit Union leads for eligible military-connected borrowers who value no stated application, origination, or annual fees. The study covered seven AI platforms — ChatGPT, Claude, DeepSeek, Grok, Perplexity, Kimi, and Gemini — using one standardized prompt sent once to each. Nine entities qualified by being named by at least two platforms. The principal limitation is that platform answers are market intelligence, not verified fact: company-owned citations materially outnumber independent ones, several entities carry unresolved identity or pricing conflicts, and AI answers can vary by date, wording, location, account state, model, interface, browsing configuration, and the sources retrieved.

Research Snapshot

• Topic: Best credit union HELOC lenders for a member-owned institution seeking a lower-cost HELOC.
• Target buyer: A homeowner eligible for credit union membership who wants to compare not-for-profit lenders for potentially better pricing on a home equity line of credit, weighing membership eligibility ease against rate competitiveness versus banks, fee structure, and member service quality.
• Geography: United States.
• Platforms included (7): ChatGPT, Claude, DeepSeek, Grok, Perplexity, Kimi, Gemini.
• Research date: 2026-09-29 (authoritative run date). Platform-reported dates are provenance metadata and do not independently prove freshness.
• Unique entities named across platforms: 26.
• Qualifying entities: 9.
• Eligibility rule: named by at least two platforms during ranking discovery.
• Ranking authority: the supplied final ranking table, ordered by platform mentions, then average listed rank, then best listed rank.

The Consensus Ranking

Questions explored

• What are the best credit union HELOC lenders for a member-owned institution seeking a lower-cost HELOC in 2026?
• Which credit union HELOC lender was named by the most AI platforms, and how many platforms named each one?

Platform mentions count only ranking-discovery mentions; they do not represent the number of platforms that later completed a fit assessment.

Which lender fits your situation?

Questions explored

• Which credit union HELOC lender should a buyer choose if easy membership eligibility matters more than the lowest advertised rate?
• Which credit union HELOC lender is best for a borrower who needs a fixed-rate conversion option on part of the line?
• Which credit union HELOC lender should a Florida or New York homeowner choose when the property location limits eligibility?

1. iQ Credit Union

Questions explored

• Is iQ Credit Union worth it for a lower-cost credit union HELOC, and what are its main drawbacks?
• Is iQ Credit Union or Alliant Credit Union better for a homeowner who needs a fixed-rate conversion option on part of the HELOC balance?

iQ Credit Union ranks first because it was the only entity named by all seven platforms, with an average listed position of 3.57 and a best position of 1. Platform fit ratings ranged from "good" (Claude) to "mixed" (ChatGPT, Gemini) to "uncertain" (DeepSeek, Grok, Kimi, Perplexity), and the disagreement is largely about identity verification rather than product terms.

Why it ranked here. Seven of seven platforms named iQ during ranking discovery, the highest mention count in the set. Its ranks by platform were Claude 3, DeepSeek 1, Gemini 3, Grok 4, Kimi 4, ChatGPT 5, and Perplexity 5.

Best suited for. Homeowners who live, work, or attend school in Washington or meet iQ's listed Oregon-county or family-member eligibility rules; borrowers who want a revolving HELOC with the option to convert advances into fixed-rate portions; and borrowers who expect to keep the line open beyond the first year and can qualify for the lower end of iQ's published APR range.

Main strengths for the use case. For rates effective January 1, 2026, iQ publishes variable APRs of 6.50%–8.50% up to 80% CLTV, 7.25%–9.25% at 85% CLTV, and 8.00%–8.50% at 90% CLTV ^[104]. Membership requires a $5 minimum deposit, and eligibility covers Washington, six named Oregon counties, immediate family members of existing members, and several additional listed categories ^[106]. Borrowers may convert advances into fixed-rate portions with a $5,000 minimum, up to three fixed portions at once, amortized over 5-, 10-, or 15-year terms ^[104]. The variable rate carries a 3.75% floor and 15% ceiling ^[104]. One platform reported iQ's entry rate at the lowest equity tier matches the credit union median of 6.50% as of August 2026 ^[174].

Main limitations. The advertised APR range is wide and does not reveal the exact margin or likely rate for a particular borrower. A $35 annual fee applies after the first year, waived during the first year ^[104]. Fixed-rate conversions are generally priced above the published variable-rate ranges, and reverting to the variable line may cost $50 ^[104]. Opening costs are estimates only: a property-condition report may cost $68, title and recording fees are estimated at $100, and appraisal costs vary ^[104]. If the HELOC is fully closed within the first three years, the member may owe reimbursement of fees up to $300 plus a county reconveyance fee ^[104]. Public information reviewed does not prove that iQ is cheaper than competing credit unions or banks.

Pricing or cost summary. Published January 1, 2026 variable APRs range from 6.50% to 9.25% depending on CLTV and borrower qualifications; published fixed-conversion APRs range from 7.75% to 11.25% ^[104].

2. Alliant Credit Union

Questions explored

• Is Alliant Credit Union worth it for a lower-cost credit union HELOC, and what are its main drawbacks?
• Which credit union HELOC lender should a buyer choose if they need no closing costs on a line up to $250,000 but cannot use a branch?

Alliant Credit Union ranks second with six platform mentions (85.7% share), an average listed position of 2.00, and a best position of 1. It received the strongest single fit rating in the set — "strong" from Grok — alongside "good" from ChatGPT, Claude, Gemini, and Perplexity, "mixed" from DeepSeek, and "uncertain" from Kimi.

Why it ranked here. Six of seven platforms named Alliant during ranking discovery. Its ranks by platform were Claude 1, DeepSeek 2, Gemini 1, Kimi 3, ChatGPT 1, and Perplexity 4.

Best suited for. Borrowers eligible for broad online membership who value low upfront lender fees; borrowers able to use an introductory rate and tolerate subsequent variable-rate pricing; and owner-occupied one- or two-unit property owners in an eligible state seeking a line up to approximately 85% CLTV when qualifying conditions are met.

Main strengths for the use case. Alliant advertises a 3.99% fixed introductory APR for six months for applications received from March 16, 2026 through December 31, 2026, followed by a variable APR based on the Wall Street Journal Prime Rate plus or minus a margin ^[27]. It states that qualifying HELOCs up to $250,000 have no closing costs, excluding applicant-requested appraisals, state fees and taxes, notary fees, and costs associated with satisfying existing liens ^[27]. Membership is relatively accessible: applicants may qualify through a participating employer, an immediate family member or domestic partner, an eligible community, or the Alliant Credit Union Foundation, and Alliant states it will pay the one-time $5 Foundation membership contribution ^[32]. The product is stated to be available for owner-occupied one- to two-unit properties, with a $10,000 minimum line and a $25,001 minimum in Wisconsin and Washington, D.C. ^[27]. One platform reported a 0.25% rate discount with autopay ^[28].

Main limitations. The low 3.99% APR is temporary rather than a long-term fixed rate, and the standard rate is variable and subject to borrower-specific pricing. The January 2026 fee schedule lists a $50 annual HELOC fee, a $25 loan-overlimit fee, and a $200 early-termination fee ^[22]. The product disclosure states the annual fee is waived for the first year and charged thereafter, and the $200 termination fee may apply if the line is closed within 36 months ^[22]. A 0.25 percentage-point rate increase applies when automatic payment is not selected from an Alliant account ^[27]. Availability is limited to specified states and generally owner-occupied one- to two-unit properties, and Alliant operates as a fully online credit union without identified branch availability for HELOC servicing ^[27].

Pricing or cost summary. Advertised pricing as of the research date is a 3.99% fixed introductory APR for six months, followed by a variable APR starting at 7.25% ^[27].

3. Navy Federal Credit Union

Questions explored

• Is Navy Federal Credit Union worth it for a lower-cost credit union HELOC, and what are its main drawbacks?
• Which credit union HELOC lender should a military-connected borrower choose if they need no annual fee and a 20-year draw period?

Navy Federal Credit Union ranks third with five platform mentions (71.4% share), an average listed position of 3.60, and a best position of 2. Fit ratings were "strong" from Grok, "good" from ChatGPT, Claude, Gemini, and Perplexity, "mixed" from DeepSeek, and "uncertain" from Kimi.

Why it ranked here. Five of seven platforms named Navy Federal during ranking discovery. Its ranks by platform were Claude 9, DeepSeek 3, Gemini 2, Kimi 2, and ChatGPT 2.

Best suited for. Eligible military-connected, veteran, DoD, family, or household-member borrowers seeking a revolving HELOC; borrowers with strong credit, a primary residence, and relatively low loan-to-value who may qualify for the advertised lowest rate; and borrowers who value low upfront lender fees and a long draw period.

Main strengths for the use case. Navy Federal lists a standard HELOC APR as low as 7.000% and an interest-only HELOC APR as low as 8.000%, with the advertised 7.000% rate assuming a 750 FICO score, primary residence, and 70% maximum HLTV ^[127]. It states that the HELOC has no application, origination, annual, inactivity, or lender-imposed closing-cost charges ^[127]. The standard HELOC has a stated minimum and maximum of $10,000 and $500,000, permits borrowing up to 95% of home equity under stated program conditions, and includes access through a Home Equity Credit Card ^[127]. The product offers a 20-year draw period followed by a 20-year repayment period ^[127]. Membership is broad within the military-affiliated field: active-duty and retired service members, veterans, DoD civilians and contractors in specified circumstances, and immediate family or household members may qualify, with a $5 minimum balance in a Membership Savings Account ^[135].

Main limitations. The lowest advertised rate is conditional and may not be the borrower's actual APR. The HELOC is variable-rate and based on the U.S. Prime Rate, with a 3.99% minimum APR and 18% maximum APR, and the disclosure states there is no limit on the amount of an individual adjustment other than the lifetime cap ^[124]. Third-party costs may still apply, typically $300 to $2,000 for lines up to $250,000 ^[127]. Navy Federal states that HELOCs are not available in Texas and that it does not offer home-equity loans or lines for properties held in a life estate ^[127]. It currently estimates 30 to 40 calendar days to close a new home-equity loan or HELOC after receiving an application ^[127]. One platform reported mixed customer service experiences, including wait times of 35 minutes and repeated calls required for resolution ^[189].

Pricing or cost summary. Advertised standard HELOC APR is as low as 7.000%; interest-only HELOC APR is as low as 8.000% ^[127].

4. Connexus Credit Union

Questions explored

• Is Connexus Credit Union worth it for a lower-cost credit union HELOC, and what are its main drawbacks?
• Which credit union HELOC lender should a buyer choose if they need a $5,000 minimum line and no annual fee?

Connexus Credit Union ranks fourth with four platform mentions (57.1% share), an average listed position of 3.75, and a best position of 1. Fit ratings were "good" from ChatGPT, Claude, Gemini, Grok, and Perplexity, and "uncertain" from DeepSeek and Kimi.

Why it ranked here. Four of seven platforms named Connexus during ranking discovery. Its ranks by platform were Claude 2, DeepSeek 5, Gemini 7, and Kimi 1.

Best suited for. Eligible homeowners seeking a nationwide credit-union option with a low introductory HELOC rate; borrowers with 80% or lower combined loan-to-value who expect to draw funds during the introductory period; and borrowers who value no annual fee and flexible draws rather than a fixed lump-sum home-equity loan.

Main strengths for the use case. Connexus states that anyone in the United States can become eligible by making a one-time, non-refundable $5 donation to the Connexus Association and maintaining a $5 savings share ^[53]. For qualifying loans at 80% CLTV or lower, Connexus advertises a 4.99% introductory rate through April 1, 2027, or a 5.49% introductory rate through October 1, 2027, with rates stated as accurate as of September 11, 2026 ^[57]. The HELOC has no annual fee ^[57]. The minimum loan amount is $5,000, applicants must have at least 10% home equity, and qualified borrowers may borrow up to 90% of the home's value ^[57]. Connexus says an appraisal is not required in most cases ^[57].

Main limitations. The advertised non-introductory APR is 7.51% for the Standard HELOC and 8.01% for the Interest-Only HELOC, with variable rates reviewed semiannually and a stated maximum APR of 15.9% ^[57]. Borrower-paid closing costs may range from $175 to $2,000 depending on loan terms and property location ^[57]. The HELOC is available throughout the United States except Alaska, Hawaii, Maryland, and Texas, and Connexus states that it does not offer HELOCs for investment properties ^[57]. One platform reported that Connexus's post-introductory rate of 7.51% exceeds the credit union median of 6.50% as of September 25, 2026, suggesting limited cost advantage over peer credit unions after the introductory period ^[175]. The general fee schedule lists a $15 returned-loan-payment fee and a $15 convenience fee for certain phone or guest debit-card payments ^[59].

Pricing or cost summary. Advertised pricing as of September 11, 2026: Standard HELOC at 4.99% introductory rate through April 1, 2027 or 5.49% through October 1, 2027, then 7.51% variable APR as stated; Interest-Only HELOC at the same introductory rates, then 8.01% variable APR as stated ^[57].

5. Broadview Federal Credit Union

Questions explored

• Is Broadview Federal Credit Union worth it for a lower-cost credit union HELOC, and what are its main drawbacks?
• Which credit union HELOC lender should a New York homeowner choose if they want advertised closing-cost assistance up to $250,000?

Broadview Federal Credit Union ranks fifth with two platform mentions (28.6% share), an average listed position of 3.00, and a best position of 2. Fit ratings were "good" from ChatGPT, Grok, and Perplexity, "mixed" from Claude and Gemini, and "uncertain" from DeepSeek and Kimi.

Why it ranked here. Two of seven platforms named Broadview during ranking discovery. Its ranks by platform were Claude 4 and Perplexity 2. Its average listed position of 3.00 is the second-lowest in the set, but its mention count limits its rank.

Best suited for. Eligible homeowners in New York or specified Pennsylvania counties seeking a HELOC with advertised closing-cost assistance; borrowers who value a fixed-rate HELOC option or a variable line with a promotional introductory rate; and borrowers who can keep the line open for at least three years or otherwise avoid repayment of waived closing costs.

Main strengths for the use case. Broadview advertises a fixed-rate HELOC as low as 5.00% APR for a 10-year repayment term and a variable HELOC introductory rate as low as 3.99% APR for 12 months, followed by Prime minus 0.50% ^[46]. It states that it pays closing costs for HELOCs up to and including $250,000, with common closing costs estimated at $0 to $6,500 ^[45]. The HELOC requires a minimum credit limit of $10,000 and advertises borrowing up to 90% of the home's appraised value ^[45]. Broadview advertises a 0.25% APR reduction on fixed-rate home equity lines of credit ^[47]. One platform reported that anyone nationwide can join by selecting a complimentary lifetime membership to the American Consumer Council sponsored by Broadview, though the HELOC itself is limited to New York State properties ^[48].

Main limitations. Availability is geographically narrow: the HELOC disclosure states the product is available in New York State and in Susquehanna, Bradford, or Wyoming counties in Pennsylvania ^[45]. The variable introductory rate may reset materially higher after 12 months, and the variable rate has a stated maximum APR of 14.90% ^[45]. Closing-cost assistance can become a liability if the line is closed within three years, because borrowers must repay those costs ^[45]. For loan amounts above $250,000, or combined Broadview home-equity loans exceeding $250,000, the borrower pays closing costs at closing ^[45]. Title insurance may be required and paid by the borrower, and property insurance including flood insurance may also be required ^[45]. One platform reported that a customer was declined after a hard credit inquiry with no upfront disclosure of the geographic restriction on the website ^[185]. .

6. Space Coast Credit Union

Questions explored

• Is Space Coast Credit Union worth it for a lower-cost credit union HELOC, and what are its main drawbacks?
• Which credit union HELOC lender should a Florida homeowner choose if they want no closing costs on a primary residence up to $250,000?

Space Coast Credit Union ranks sixth with two platform mentions (28.6% share), an average listed position of 6.00, and a best position of 6. Fit ratings were "strong" from Grok, "good" from ChatGPT, Claude, and Perplexity, "mixed" from DeepSeek and Gemini, and "uncertain" from Kimi.

Why it ranked here. Two of seven platforms named SCCU during ranking discovery. Its ranks by platform were Claude 6 and Kimi 6.

Best suited for. Eligible homeowners in SCCU's Florida service area seeking a low-upfront-cost HELOC; borrowers who prefer a 7-year draw period followed by a 7-year repayment period; and borrowers who value branch, phone, and member-service access and can accept variable-rate risk.

Main strengths for the use case. For rates effective June 1, 2026, SCCU lists the 7/7 HELOC at 4.24% APR for the first 12 months and 6.25% APR thereafter, both stated as "as low as," with the 10/10 interest-only option listed at 7.00% APR ^[151]. SCCU lists no application fee, origination fee, or prepayment penalty, and advertises no closing costs and no intangible tax, with the closing-cost waiver limited to qualifying primary-residence loans up to $250,000 ^[151]. Membership is available to people who live or work in 34 listed Florida counties or are immediate family of an existing member, with a $5 share-savings deposit ^[147]. One platform reported that SCCU waives typical third-party closing fees including appraisal, photo inspection, recording, state tax stamps, title exam, and title insurance for loans up to $250,000 on primary residences ^[150].

Main limitations. After the introductory period, the rate is variable and based on the highest Wall Street Journal Prime Rate plus a credit-score-based margin, with a stated maximum APR of 18% ^[151]. The 7/7 product requires monthly payments of 1.5% of the prior month's balance with a $100 minimum and may involve a balloon payment at the end of repayment; the 10/10 product permits interest-only payments during the draw period and may also involve a balloon payment ^[151]. The property must be in Florida, membership is required, homeowner's insurance is required, and approval depends on credit, equity, income/debt, property, and other underwriting factors ^[151]. Additional fees may apply for loans over $100,000 or special deed preparation ^[151]. One platform reported mixed customer reviews, with branch-based service receiving positive feedback and phone/remote customer service showing recurring complaints of long waits and poor responsiveness ^[190].

Pricing or cost summary. Published June 1, 2026 pricing lists 7/7 at 4.24% introductory APR for 12 months and 6.25% thereafter, and 10/10 interest-only at 7.00% APR, all "as low as" ^[151].

7. First Tech Federal Credit Union

Questions explored

• Is First Tech Federal Credit Union worth it for a lower-cost credit union HELOC, and what are its main drawbacks?
• Which credit union HELOC lender should a tech-sector employee choose if they want a fixed-rate lock option on part of the line?

First Tech Federal Credit Union ranks seventh with two platform mentions (28.6% share), an average listed position of 6.50, and a best position of 3. Fit ratings were "strong" from Grok and Gemini, "good" from ChatGPT, Claude, and Perplexity, "mixed" from DeepSeek, and "uncertain" from Kimi.

Why it ranked here. Two of seven platforms named First Tech during ranking discovery. Its ranks by platform were DeepSeek 10 and ChatGPT 3.

Best suited for. Eligible borrowers who prioritize a credit-union lender and may qualify through an employer, participating organization, community, condominium association, or household member; borrowers seeking a variable-rate HELOC with interest-only payments during the draw period; and borrowers who value First Tech's optional fixed-rate lock feature, although that feature is associated with the Flexity product rather than the recommended Non-Flexity product.

Main strengths for the use case. The rate page showed a Non-Flexity Line of Credit at 6.750% APR as of September 10, 2026, assuming a credit score of at least 740, a single-family owner-occupied primary residence, financing of $50,000 or less, and HCLTV of 50% or less ^[101]. Membership is available through numerous routes, including employment with a listed partner company, residence/work/worship in participating communities, employment by the State of Oregon, membership in participating organizations, certain condominium associations, or a family or household member's membership, with a $5 member share ^[88]. First Tech describes the HELOC as providing a 10-year draw period with low, interest-only payments during the draw period ^[87]. The Flexity HELOC permits up to three fixed-rate loans under one line, with the first lock free and each additional lock $25 ^[96]. One platform reported that anyone can join via an $8 one-time Financial Fitness Association membership or similar low-cost options ^[162].

Main limitations. A $100 annual fee applies every year after the first year from the funding date for the published HELOC terms ^[96]. First Tech states that estimated third-party closing fees generally total $655 to $980, depending on state and applicable services ^[96]. The HELOC is variable-rate and tied to the Wall Street Journal Prime Rate plus a lender margin, and the disclosure states the APR may change as the index changes and can change daily unless advances are converted to a fixed-term repayment option ^[82]. Interest-only payments do not reduce principal, and payments may increase during repayment ^[87]. The published disclosures state a maximum APR of 18.000% ^[82]. One platform reported that First Tech HELOC programs are not available nationwide and currently exclude properties located in Texas, Alaska, and Hawaii ^[97].

Pricing or cost summary. Published Non-Flexity HELOC pricing was 6.750% APR as of September 10, 2026 under favorable stated assumptions ^[101].

8. DCU (Digital Federal Credit Union)

Questions explored

• Is DCU (Digital Federal Credit Union) worth it for a lower-cost credit union HELOC, and what are its main drawbacks?
• Which credit union HELOC lender should a borrower choose if they want a 20-year draw period and optional fixed-rate advances?

DCU (Digital Federal Credit Union) ranks eighth with two platform mentions (28.6% share), an average listed position of 6.50, and a best position of 4. Fit ratings were "good" from ChatGPT, Claude, DeepSeek, Grok, Gemini, and Perplexity, and "uncertain" from Kimi.

Why it ranked here. Two of seven platforms named DCU during ranking discovery. Its ranks by platform were DeepSeek 9 and ChatGPT 4.

Best suited for. Borrowers who can qualify for the advertised Prime-minus-0.00% rate under DCU's stated assumptions; borrowers who value a 20-year draw period, online account management, no prepayment penalty, and optional fixed-rate advances; and borrowers who can obtain membership through a family, employer, organization, community, or one-time qualifying donation.

Main strengths for the use case. DCU's HELOC page lists an APR as low as 7.000%, effective September 27, 2026, based on Prime plus a 0.00% margin, with the rate variable, tied to the Wall Street Journal Prime Rate, and carrying a 3.00% floor and 18.00% ceiling ^[65]. Membership is relatively accessible: DCU lists eligibility through family relationships, participating employers, participating organizations, qualifying communities, or a one-time donation to a listed organization, reportedly as low as $10 ^[75]. The HELOC includes a $500 minimum initial draw, online account access, no prepayment penalties, and an option to lock up to two advanced portions into fixed-rate advances with a $5,000 minimum advance to lock ^[65]. The stated term is 40 years: a 20-year draw period with interest-only payments followed by a 20-year repayment period with principal-and-interest payments ^[65]. One platform reported that DCU offers fixed-rate advances at 7.74% (5-year), 7.99% (10-year), 8.24% (15-year), and 8.49% (20-year) APR ^[63].

Main limitations. The advertised rate assumes at least a 740 credit score, CLTV of 50% or less, a line amount of $50,000 or less, an owner-occupied single-family residence, and second-lien position, and actual pricing may be higher ^[65]. DCU states that opening the line requires a $300 application fee and that third-party closing fees generally total $800 to $2,200 ^[65]. DCU states that its HELOC is unavailable in Connecticut, North Carolina, Texas, Wisconsin, and West Virginia ^[65]. Interest-only draw-period payments can lead to higher payments when principal repayment begins ^[65]. One platform reported that DCU educational materials note that some HELOCs may carry inactivity or cancellation fees, though the specific fee schedule is not publicly detailed ^[72]. Another reported that a third-party source mentions "no closing costs," conflicting with DCU's official materials disclosing a $300 application fee and $800–$2,200 in third-party costs ^[63].

Pricing or cost summary. Advertised HELOC APR as low as 7.000% effective September 27, 2026, at Prime plus a 0.00% margin, variable and subject to underwriting, market-rate changes, and the stated floor and ceiling ^[65].

9. Members 1st Federal Credit Union

Questions explored

• Is Members 1st Federal Credit Union worth it for a lower-cost credit union HELOC, and what are its main drawbacks?
• Which credit union HELOC lender should a Pennsylvania or Maryland homeowner choose if they want a 1.99% introductory APR and up to 100% LTV?

Members 1st Federal Credit Union ranks ninth with two platform mentions (28.6% share), an average listed position of 7.00, and a best position of 4. Fit ratings were "good" from ChatGPT, Claude, Gemini, and Grok, "mixed" from Perplexity, and "uncertain" from DeepSeek and Kimi.

Why it ranked here. Two of seven platforms named Members 1st during ranking discovery. Its ranks by platform were Claude 10 and Gemini 4.

Best suited for. Eligible members seeking a HELOC with a promotional introductory APR; borrowers who expect to use a primary-residence line and value no stated application or closing costs; and borrowers who want to convert all or part of a variable-rate balance into a fixed term.

Main strengths for the use case. The product page advertises 1.99% APR for the first six months on new lines, subject to credit approval, a minimum $5,000 line amount, and other stated conditions, with refinancing of an existing Members 1st HELOC excluded ^[116]. The published rate page showed a 6.75% variable APR as of September 11, 2026 for an 80% LTV, A+ credit example, with the rate adjusting monthly, a 3.00% floor, and an 18% maximum ^[114]. The HELOC permits borrowing up to 100% of available equity in a primary residence within policy guidelines, with 100% financing available up to $500,000 on a primary residence ^[116]. Borrowers may lock all or part of the line into fixed terms, with up to three fixed terms outstanding at one time and terms from one to 15 years; the first fixed-term lock is free and subsequent locks are subject to a $100 processing fee ^[116]. The product page states no closing costs or application fees, except trust-review costs ^[116]. One platform reported fixed-term lock rates published as low as 5.74% for 12 to 60 months, 5.99% for 84 to 120 months, and 6.74% for 180 months ^[114].

Main limitations. Membership is not universally open: an applicant generally needs an affiliated employer, organization, school, or church, or a qualifying relative who is already a member, with a $5 opening deposit required for a regular savings account ^[113]. The HELOC offer is stated to be for Pennsylvania, Maryland, and New Jersey residents only ^[116]. If the account is paid in full and closed within 36 months, the borrower must reimburse third-party fees paid on the borrower's behalf ^[116]. The line is secured by a primary residence and excludes rental properties, and it cannot be used to finance the purchase of a new primary residence, a swing loan, or a bridge loan ^[116]. Property insurance is required ^[116]. One platform reported that the company website does not publish standard APR ranges or permanent rates for HELOCs after the 6-month promotional period ^[116].

What this study reveals

Questions explored

• What does the cross-platform AI study reveal about how credit union HELOC lenders compete on rates, fees, and membership eligibility?
• Which credit union HELOC features did AI platforms most consistently highlight across the nine ranked lenders?

The cross-platform study shows a market where credit union HELOC pricing is broadly competitive but rarely verifiable at the individual borrower level. Every ranked entity publishes "as low as" rates that depend on credit score, combined loan-to-value, line amount, occupancy, and lien position, and no platform produced a controlled, apples-to-apples comparison of final APRs across lenders. The recurring structural claim is that credit unions price HELOCs below national banks — one platform cited credit unions pricing 0.25% to 0.50% lower than national banks for borrowers with similar profiles ^[179], and another cited a credit union median HELOC APR of 6.50% as of September 25, 2026 across 856 credit unions ^[175].

Fee structure is where the ranked lenders differentiate most sharply. Navy Federal states no application, origination, annual, inactivity, or lender-imposed closing-cost charges ^[127]. Alliant states no closing costs on qualifying lines up to $250,000 but charges a $50 annual fee after year one and a $200 early-termination fee within 36 months ^[27]. iQ charges a $35 annual fee after the first year and may require reimbursement of up to $300 if the line closes within three years ^[104]. Connexus charges no annual fee but borrower-paid closing costs of $175 to $2,000 ^[57].

Where the AI Platforms Agreed

Questions explored

• On which credit union HELOC lender features did all or most AI platforms agree?
• Which credit union HELOC lenders were consistently described as member-owned and not-for-profit across platforms?

Platforms agreed on several structural points. First, every ranked entity is a member-owned, not-for-profit credit union, and platforms consistently described that structure as the reason a rate-seeking borrower would include these lenders in a comparison ^[174].

Second, platforms agreed that credit union HELOCs are generally variable-rate products tied to a Prime index, with rate floors and ceilings. iQ's 3.75% floor and 15% ceiling, Navy Federal's 3.99% floor and 18% cap, Connexus's 15.9% maximum, Broadview's 14.90% maximum, Space Coast's 18% maximum, First Tech's 18.000% maximum, DCU's 3.00% floor and 18.00% ceiling, and Members 1st's 3.00% floor and 18% maximum were all reported consistently across platforms ^[104].

Third, platforms agreed that membership must be established before or at funding for every ranked lender, and that a small share deposit is typically required — $5 at iQ, Navy Federal, Connexus, Space Coast, First Tech, DCU, and Members 1st ^[106].

Fourth, platforms agreed that the advertised rates are conditional and not guaranteed.

Where the AI Platforms Disagreed

Questions explored

• Where did AI platforms disagree about credit union HELOC lenders, and what should a buyer verify as a result?
• Which credit union HELOC lender had the most unresolved identity or pricing conflicts across platforms?

The most significant disagreement is entity identity for iQ Credit Union. The supplied official website field points to https://servicecu.org/, which belongs to Service Credit Union, while the HELOC and membership information reviewed is published on https://www.iqcu.com/ ^[5]. One platform could not confirm that iQ Credit Union offers a HELOC at all from its search results ^[230]. Another reported that the recommended product list mixes HELOC products from several different institutions, so the specific iQ product terms are not isolated ^[230]. This conflict affects the top-ranked entity and should be resolved by the buyer before applying.

The second disagreement is geographic availability for Alliant Credit Union. One platform cited 25 states plus Washington, D.C., another cited 50 states, and Alliant's own site indicated 26 jurisdictions ^[170]. A separate platform reported that Alliant HELOC availability is limited to some states ^[223].

The third disagreement is draw and repayment structure for Connexus Credit Union. One platform cited a 15-year draw plus 15-year repayment, while company materials cited a 10-year draw plus 20-year repayment ^[8]. A separate platform reported a 15-year draw and 15-year repayment period ^[57].

The fourth disagreement is product naming for Space Coast Credit Union.

How to compare your options

Questions explored

• What should a buyer check before choosing a credit union HELOC lender for a lower-cost line of credit?
• Which credit union HELOC lender should a buyer choose if they expect to close or refinance the line within three years?

Buyers should start with eligibility, because it eliminates options faster than pricing does. A borrower outside Washington and the six named Oregon counties cannot use iQ; a borrower outside New York and three Pennsylvania counties cannot use Broadview; a borrower outside 34 Florida counties cannot use Space Coast; a borrower outside Pennsylvania, Maryland, and New Jersey cannot use Members 1st; a borrower without military affiliation cannot use Navy Federal; and a borrower in Connecticut, North Carolina, Texas, Wisconsin, or West Virginia cannot use DCU ^[106]. Alliant and Connexus offer the broadest national paths ^[32].

Second, buyers should compare total cost over their expected holding period, not headline rates. A low introductory rate paired with a $300 application fee and $800–$2,200 in third-party closing costs may cost more than a slightly higher rate with lender-paid closing costs, depending on the balance and how long the line stays open ^[65].

Third, buyers who expect to close or refinance the line within three years should weigh early-closure exposure carefully. iQ may require reimbursement of fees up to $300 if the line closes within three years ^[104].

Methodology

This index was produced from a single standardized prompt sent once to each of seven AI platforms on 2026-09-29: ChatGPT, Claude, DeepSeek, Grok, Perplexity, Kimi, and Gemini. The prompt asked which providers would be recommended for a homeowner eligible for credit union membership who wants to compare not-for-profit lenders for potentially better pricing on a home equity line of credit, weighing membership eligibility ease against rate competitiveness versus banks, fee structure, and member service quality.

The ranking order is the supplied final ranking table, ordered by platform mentions, then average listed rank, then best listed rank. Platform mentions count only ranking-discovery mentions; they do not represent the number of platforms that later completed a fit assessment. All seven platforms evaluated fit, but only platforms that named an entity during ranking discovery are counted in the mention totals.

Entity evidence bundles were the authority for buyer fit, features, pricing, strengths, limitations, disagreements, and citations. The final ranking table was the authority for rank, platform mentions, platform share, average rank, and best rank. Where a bundle contained a conflicting value, the ranking table controlled.

Citations are platform-reported evidence, not independently verified facts. Company-owned citations materially outnumber independent citations across the bundles, so company claims should not be described as independently verified. No-search model claims require explicit verification before being described as current facts. The supplied URLs were collected from platform responses and were not independently validated by the writer stage.

Research limitations

AI answers can vary by date, wording, location, account state, model, interface, browsing configuration, and the sources retrieved. A single prompt sent once to each platform captures one snapshot and does not represent a controlled, repeatable benchmark.

Platform-reported research dates differ from the authoritative run date of 2026-09-29. Anthropic reported 2026-01-15 for iQ and DCU, 2026-09-01 for First Tech, and 2026-09-29 for Alliant, Navy Federal, Connexus, Broadview, Space Coast, and Members 1st. Deepseek reported 2026-06-19 for iQ, 2026-02-14 for Alliant and Space Coast, 2026-06-01 for Navy Federal and DCU, 2026-06-11 for Connexus and Members 1st, 2026-01-15 for Broadview, and 2026-06-12 for First Tech. These dates are provenance metadata and do not independently prove freshness.

The deterministic identity audit flagged unresolved or conflicting official domains for iQ Credit Union, Alliant Credit Union, Connexus Credit Union, and Members 1st Federal Credit Union. Official-site retrieval failed for one or more mentions, and one or more fetched domains were not corroborated by the brand name or site identity metadata. Company-name variants were collapsed onto one canonical brand before minimum-mentions qualification.

Several entities carry unresolved pricing or product conflicts that this index preserves rather than resolves: iQ's entity identity, Alliant's state availability and introductory rate, Connexus's draw and repayment structure, Broadview's fixed-rate presentation, Space Coast's product naming, First Tech's annual fee disclosure, DCU's rate and fee presentation, and Members 1st's geographic availability.

Platform recommendations are market intelligence, not independent customer reviews or proof of quality. No platform produced a controlled, apples-to-apples comparison of final APRs across lenders for a specific borrower profile.

The consensus assessment

iQ Credit Union is the consensus leader for a member-owned institution seeking a lower-cost HELOC, based on being named by all seven platforms studied. Its published rate bands, fixed-rate conversion feature, and $5 membership share make it a credible regional option for eligible Washington and specified Oregon borrowers, but the unresolved identity conflict between iQ Credit Union and Service Credit Union must be resolved before applying.

Alliant Credit Union is the strongest alternative for borrowers who prioritize broad online membership and low upfront lender fees, with a 3.99% six-month introductory rate and no closing costs on qualifying lines up to $250,000, offset by a $50 annual fee after year one and a $200 early-termination fee within 36 months.

Navy Federal Credit Union leads for eligible military-connected borrowers who value no stated application, origination, or annual fees and a 20-year draw period, but it is unavailable in Texas and restricted to the military-affiliated field of membership.

Connexus Credit Union is the best fit for borrowers who want a nationwide credit-union option with a low introductory rate and no annual fee, provided they are not in Alaska, Hawaii, Maryland, or Texas and can accept a post-introductory rate that one platform reported exceeds the credit union median.

Broadview, Space Coast, First Tech, DCU, and Members 1st each serve narrower buyer profiles defined by geography, employer, or military affiliation.

Frequently Asked Questions

Which credit union HELOC lender was named by the most AI platforms?

iQ Credit Union was named by all seven platforms studied, the highest mention count in the set, with an average listed position of 3.57 and a best position of 1.

Which credit union HELOC lender has the lowest advertised introductory rate?

Members 1st Federal Credit Union advertises 1.99% APR for the first six months on new lines, the lowest introductory rate in this set, subject to credit approval and a $5,000 minimum line ^[116].

Which credit union HELOC lender has the easiest membership eligibility?

Alliant Credit Union and Connexus Credit Union offer the broadest national paths. Alliant states it will pay the one-time $5 Foundation membership contribution, and Connexus requires a one-time $5 donation to the Connexus Association ^[32].

Which credit union HELOC lender charges no annual fee?

Connexus Credit Union states its HELOC has no annual fee, and Navy Federal Credit Union states it charges no annual fee ^[57]. iQ charges a $35 annual fee after the first year, Alliant charges $50 after the first year, and First Tech charges $100 after the first year ^[104].

Which credit union HELOC lender is unavailable in Texas?

Navy Federal Credit Union states its HELOCs are not available in Texas, Connexus Credit Union excludes Texas, and DCU excludes Texas ^[127]. .

Sources used in this study

Company-Owned Sources

1. Alliant Credit Union — About / Membership: https://alliantcreditunion.org/
2. Alliant Credit Union — Home Equity Line of Credit: https://alliantcreditunion.org/borrow/home-equity
3. Personal Rates - iQ Credit Union: https://assets.iqcu.com/image/289997608457/image_0c4qsi6rsh7698v444bfbpsk1a/-FWEBP
4. The Perks of an iQ Membership - iQ Credit Union: https://assets.iqcu.com/image/289997608457/image_ai5tqt6ucl14hbquldsdfebr1o/-FWEBP
5. HELOC | Service Credit Union: https://cdn.servicecu.org/home-equity/heloc/
6. HELOC | Flexible Home Equity Line of Credit: https://choiceone.org/loans/home-equity-line-of-credit/
7. Connexus Credit Union — official website: https://connexuscu.org/
8. Connexus HELOC — 10-Yr Draw + 20-Yr Repay: https://connexusfcu.org/heloc/
9. The ABCs of Loans: Avoid the Borrowing Blues - iQ Credit Union: https://info.iqcu.com/hs-fs/hubfs/Understanding-Credit-The-Good-the-Bad-the-Ugly-THUMBNAIL.png?width=300&name=Understanding-Credit-The-Good-the-Bad-the-Ugly-THUMBNAIL.png
10. The ABCs of Loans: Avoid the Borrowing Blues: https://info.iqcu.com/the-abcs-of-loans-avoid-the-borrowing-blues
11. Members 1st Credit Union Recreational Loan Rates: https://me1stcu.com/promo-helocMayJune.aspx
12. Alliant Fee Schedule — January 2026: https://secure.alliantcreditunion.org/images/uploads/files/FeeSchedule.pdf
13. Am I eligible to join Service Credit Union?: https://servicecu.org/images/default-source/default-album/pexels-cottonbro-3943715.webp?sfvrsn=327e3afb_3
14. Home Equity Loans and Lines of Credit - Service Credit Union: https://servicecu.org/images/default-source/hero-banner-images/consumer-hero/helochero.webp?sfvrsn=8413a72_1
15. Flex HELOC – Home Equity Line of Credit from UECU: https://uecu.org/flexheloc/
16. Knock Knock - Alliant HELOC - Rate Reset: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQEp56lXYBrUbNMDTHH3wHjVs58agSL9ZCL06_6q1uFUYnrxBizfO_H3IR3jLVDA0IoewI71zBbLeDkBtTlT8P9mfJPOzejSJzVejprhOqHXTJvAT3Wmfv-GV6zi8YJN6N1Lw896YmkztJi6cp50OA_S1wjE8YT1WStZojQ6Yd4=
17. Home Equity Line of Credit (HELOC) - Alliant Credit Union: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFARmZ1dVk0U2TEazaCuMhH28-tEMnSxcrH0ODeMBBRJv8KAIOdW9VQOgzdIVKdqaaSgksn_kt3zHHNF-IHd8e_ZusxqdtJX4dz1eR0p0gADa7LzPunn_bUQDkSo_RdxofCpXJsjHyD3_z_ymgz0a_rDPLv0dwf_5oD-Q==
18. Membership Enrollment Agreement - Alliant Credit Union: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFPecRazk0NDgiV_HsVJFC-Zm7lza8sV30fDf8RauC5eYyK7erQkzIER2SHLOhMhtio9I5lzOQhouEbbwrKT25NObqUpbGfb6O1AS0Gpthwgv5iI4v9HdxoEO1FMyWWxQ11z7d-oSwuf4dVV6cNXzhLbdy26X3lmQeUvw-LFhgto2md3smA8A==
19. The difference between banks and credit unions: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQGAbmYGIqompuuBy60BwB-KtX8offVx0SU5lscaMF4rxlJ6NpwSF0AW1ZcqeCvUn9kFKP5tKNGE93mVvIKDqNzx9_Hgj9P1jF1tYPLrSXhAGEVpMY-4on4Fb1AbvQbTaHf3PFIgnKKlDc20dLVku23TQvI_F8gJypMumIb6
20. Knock Knock - Alliant HELOC - Rate Reset: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHr3Xl9RFY_L5RjeLK1kICLBEuMdcOCUlN7MexpNjp-0ZjJZ5O2JNJK6O9tZj7Na6eTVfnHr_mpQarpuQl2gDAlmC9D-iZpGkpSTwtL4E3kEpylA-BIMmImg-lnnd76TrrtZ4LpkRvrP3pGoKxE_d0vqep5YIuc66J98vTIfvA=
21. Home Equity Line of Credit (HELOC) | Navy Federal Credit Union: https://web.navyfederal.org/loans-cards/equity/heloc/
22. Fees | Alliant Credit Union: https://www-hq2.alliantcreditunion.org/fees
23. Membership and Eligibility | Alliant Credit Union: https://www-hq2.alliantcreditunion.org/membership
24. Frequently Asked Questions: https://www.alliantcreditunion.com/Applications/Content/Files/index.html
25. Loan Applications - Alliant Credit Union: https://www.alliantcreditunion.com/Applications/los/Index
26. Alliant Credit Union | Banking, Checking, Savings, Loans: https://www.alliantcreditunion.org/
27. Home Equity Line of Credit (HELOC) | Alliant Credit Union: https://www.alliantcreditunion.org/borrow/home-equity-line-of-credit
28. Fees | Alliant Credit Union: https://www.alliantcreditunion.org/fees
29. Fees NC: https://www.alliantcreditunion.org/fees-nc
30. Eligibility for Joining Alliant Credit Union | Alliant Credit Union: https://www.alliantcreditunion.org/help/who-is-eligible-to-join-alliant
31. The following fees amend your Alliant Credit Union Account Agreement and: https://www.alliantcreditunion.org/images/uploads/files/FeeSchedule.pdf
32. Membership and Eligibility | Alliant Credit Union: https://www.alliantcreditunion.org/membership
33. Common HELOC Myths | Alliant Credit Union: https://www.alliantcreditunion.org/money-mentor/common-heloc-myths
34. Understanding HELOC Closing Costs and Fees – Alliant: https://www.alliantcreditunion.org/money-mentor/understanding-heloc-closing-costs-and-fees
35. Membership Eligibility: https://www.broadviewfcu.com/about-us/membership-eligibility/
36. HELOC Rates: What You Need to Know | Broadview Federal Credit Union: https://www.broadviewfcu.com/blogs/broadview-heloc-rates-guide/
37. Credit Union Memberships Explained | Broadview Federal Credit Union: https://www.broadviewfcu.com/blogs/credit-union-memberships-explained/
38. Update Your Living Spaces | Broadview Federal Credit Union: https://www.broadviewfcu.com/globalassets/bvfcu/blogs/aug_hero_leveragehomesequity_2020.jpg
39. Member Benefits Guide: https://www.broadviewfcu.com/globalassets/bvfcu/pdfs/policies-and-disclosures/b4000-01-member-benefits-guide.pdf
40. Member Benefits Guide: https://www.broadviewfcu.com/globalassets/bvfcu/pdfs/policies-and-disclosures/member-benefits-guide.pdf
41. Home Lending Solutions | Broadview Federal Credit Union: https://www.broadviewfcu.com/globalassets/bvfcu/personal/home-lending-solutions/j-_cap-com_sefcu-merger_websites-rebrand_broadview-fcu_personal_homelending_secondary.jpg
42. Membership Eligibility | Broadview Federal Credit Union: https://www.broadviewfcu.com/globalassets/bvfcu/personal/personal--student-loans/loan-documentation/headerimage_loandocumentation_secondary.jpg
43. Personal Banking: https://www.broadviewfcu.com/personal/
44. Home Lending Solutions | Broadview Federal Credit Union: https://www.broadviewfcu.com/personal/home-lending-solutions/
45. Home Equity Line of Credit: https://www.broadviewfcu.com/personal/home-lending-solutions/home-equity-line-of-credit/
46. Mortgage Refinance: https://www.broadviewfcu.com/personal/home-lending-solutions/refinance-and-save/
47. Paying It Back: https://www.broadviewfcu.com/personal/paying-it-back/
48. American Consumer Council | Broadview Federal Credit Union: https://www.broadviewfcu.com/personal/personal--student-loans/paying-it-back/492x478_headerimage_payingitback_tertiary.jpg
49. College Bound | Broadview Federal Credit Union: https://www.broadviewfcu.com/personal/young-adult-services/college-bound/collegebound2.png
50. College Bound | Broadview Federal Credit Union: https://www.broadviewfcu.com/personal/young-adult/college-bound/
51. Policies & Disclosures: https://www.broadviewfcu.com/policies-and-disclosures/
52. Membership Eligibility - Connexus Credit Union: https://www.connexuscu.org/
53. Membership Eligibility - Connexus Credit Union: https://www.connexuscu.org/about/membership-eligibility
54. The Differences Between Home Equity Products - Connexus Credit Union: https://www.connexuscu.org/blog/home-ownership/the-differences-between-home-equity-products
55. What Is Home Equity and How To Use It to Your Benefit - Connexus Credit Union: https://www.connexuscu.org/blog/home-ownership/what-is-home-equity-and-how-to-use-it-to-your-benefit
56. Am I eligible to become a Connexus member?: https://www.connexuscu.org/blog/ufaq/am-i-eligible-to-become-a-connexus-member
57. HELOC - Connexus Credit Union: https://www.connexuscu.org/loans/heloc
58. Home Equity Loans & Lines of Credit - Connexus Credit Union: https://www.connexuscu.org/loans/home-equity
59. Connexus Credit Union Fee Schedule: https://www.connexuscu.org/wp-content/uploads/20250501-Fee-Schedule.pdf
60. DCU Official Website: https://www.dcu.org/
61. About DCU | DCU: https://www.dcu.org/about-dcu.html
62. DCU - Membership Eligibility: https://www.dcu.org/about/membership.html
63. Rates | DCU: https://www.dcu.org/about/rates.html
64. Mortgage Loans: https://www.dcu.org/borrow/mortgage-loans.html
65. Fixed Rate Home Equity and HELOC Loans: https://www.dcu.org/borrow/mortgage-loans/home-equity-loans.html
66. Home Equity Line of Credit | DCU: https://www.dcu.org/borrow/mortgages/home-equity-line-of-credit.html
67. Account Agreement for Consumers | DCU: https://www.dcu.org/content/dam/dcu/pdfs/AccountAgreementForConsumers.pdf
68. DCU Membership Eligibility: https://www.dcu.org/content/dam/dcu/pdfs/custodial-fiduciary-membership-application.pdf
69. membership-application.pdf: https://www.dcu.org/content/dam/dcu/pdfs/membership-application.pdf
70. Official pricing and terms source: https://www.dcu.org/dcu-support-center/terms-of-use.html
71. HELOC or Home Equity Loan: What’s the Difference?: https://www.dcu.org/financial-education-center/home-equity/heloc-or-heloan-whats-the-difference.html
72. Navigating HELOC’s: Pros, Cons, and Crucial Insights: https://www.dcu.org/financial-education-center/home-equity/when-to-get-heloc-and-when-you-shouldnt.html
73. DCU - Loan Rates: https://www.dcu.org/loans-credits/cards-loans-rates.html
74. DCU - HELOC Rates and Information: https://www.dcu.org/loans/home-equity-loans.html
75. Become a Member: https://www.dcu.org/membership/become-a-member.html
76. Member Eligibility | DCU: https://www.dcu.org/membership/member-eligibility.html
77. Membership Eligibility | DCU: https://www.dcu.org/why-dcu/membership.html
78. Home Equity and HELOC Loans | Educators CU, Wisconsin: https://www.ecu.com/loans/home-equity-helocs/
79. HELOC | First Commerce: https://www.firstcommercecu.org/heloc/
80. First Tech Federal Credit Union | Banking & Loans for Tech Professionals: https://www.firsttechfed.com
81. Terms and Conditions HELOC Without Flexity Loan Option - First Tech Federal Credit Union: https://www.firsttechfed.com/-/media/firsttech-web/disclosures/terms-conditions-heloc-without-flexity.pdf
82. Important Terms of Our Home Equity Line of Credit: https://www.firsttechfed.com/-/media/firsttech-web/documents/firstapp-pdfs/heloc-disclosure.pdf
83. Fee Schedule/Sheet - First Tech Federal Credit Union: https://www.firsttechfed.com/-/media/FirstTech-Web/Documents/Terms-And-Conditions-Pdf/account-and-service-fees.pdf
84. Membership and Account Agreement: https://www.firsttechfed.com/-/media/firsttech-web/documents/terms-and-conditions-pdf/membershipaccountagreement.pdf
85. First Tech Federal Credit Union — About / Membership: https://www.firsttechfed.com/about
86. Rewards Checking and Savings - First Tech Federal Credit Union: https://www.firsttechfed.com/application/rewards-checking-and-savings
87. Home Equity Loan and Line of Credit | First Tech Federal: https://www.firsttechfed.com/borrow/home-loans/home-equity
88. Become a Member | First Tech Federal Credit Union: https://www.firsttechfed.com/discover/become-a-member
89. Member Center | First Tech Federal Credit Union: https://www.firsttechfed.com/discover/member-center
90. First Tech Federal Credit Union Partner Companies: https://www.firsttechfed.com/discover/sponsor-companies
91. Credit Union Membership FAQ: Eligibility & More: https://www.firsttechfed.com/help/faqs/membership-faqs
92. First Tech Federal Credit Union — Home Equity Line of Credit: https://www.firsttechfed.com/loans/home-equity-line-of-credit
93. HP Credit Union – Employee Membership | First Tech: https://www.firsttechfed.com/membership/partner-companies/hp-inc
94. Microsoft Credit Union – Employee Membership | First Tech: https://www.firsttechfed.com/membership/partner-companies/microsoft
95. Home Improvement | Home Equity Loans: https://www.firsttechfed.com/pages/home-improvement-projects
96. Home Equity Line of Credit (HELOC) | First Tech: https://www.firsttechfed.com/pages/mort/heloc2
97. Partners FAQs | First Tech Federal Credit Union: https://www.firsttechfed.com/partner/faqs
98. Products | Wholesale HELOC Solutions with Better Rates & Broker Rewards | First Tech: https://www.firsttechfed.com/partner/products
99. Credit Union Rates and Fees: https://www.firsttechfed.com/rates
100. Home Loans Rates - First Tech Federal Credit Union: https://www.firsttechfed.com/rates/home-loan-rates
101. Home Loans Rates | First Tech Credit Union: https://www.firsttechfed.com/rates/home-loans/
102. Credit Union Rates and Fees | First Tech Credit Union: https://www.firsttechfed.com/rates/personal-rates/fees
103. Consumer Loans: https://www.iqcu.com/consumer-loans
104. Take Advantage Of Your Most Valuable Asset | iQ Credit Union: https://www.iqcu.com/heloc
105. The Perks of an iQ Membership: https://www.iqcu.com/member-services
106. Frequently Asked Questions | iQ Credit Union: https://www.iqcu.com/member-services/faq
107. Personal Rates: https://www.iqcu.com/personal-rates
108. Access Your Home's Equity at a Low Introductory Rate! | Lanco Federal Credit Union: https://www.lancofcu.com/personal/loans/home-equity/heloc/
109. Members 1st Federal Credit Union | LinkedIn: https://www.linkedin.com/company/members-1st-fcu
110. Members 1st Federal Credit Union | PA Credit Union: https://www.members1st.org/
111. Open an Account: https://www.members1st.org/about-us/open-an-account
112. Why Members 1st?: https://www.members1st.org/about-us/why-members-1st
113. Ask Us Anything: https://www.members1st.org/ask-us
114. Home Equity Loan Rates | Members 1st Federal Credit Union: https://www.members1st.org/ask-us/rate-center/home-equity
115. Open an Account: https://www.members1st.org/atm-and-locations/willow-street-branch/open-an-account
116. Home Equity Freedom Line of Credit | HELOC | Members 1st: https://www.members1st.org/personal/borrow/home-equity-freedom-line-of-credit
117. A Home Equity Story | Members 1st Federal Credit Union: https://www.members1st.org/renovation
118. Select Employer Group: https://www.members1st.org/seg
119. Home Equity Loan & HELOC Rates NJ | Members 1st of NJ FCU: https://www.membersonenj.org/loans/home-equity-loan-rates/
120. Web search results for credit union HELOC comparisons: https://www.mfcu.net/borrow/home-equity-loans
121. Official pricing and terms source: https://www.navyfederal.org
122. Navy Federal Credit Union - About: https://www.navyfederal.org/about/
123. Navy Federal Credit Union - Membership Eligibility: https://www.navyfederal.org/about/membership-eligibility.html
124. Home Equity Line of Credit Disclosure Important Terms (Standard Loan Program): https://www.navyfederal.org/content/dam/nfculibs/pdfs/mortgage-equity/heloc_importanttermsdisclosure.pdf
125. Home Equity Loans | Navy Federal Credit Union: https://www.navyfederal.org/loans-cards/equity.html
126. Home Equity FAQs | Navy Federal Credit Union: https://www.navyfederal.org/loans-cards/equity/faqs.html
127. Home Equity Line of Credit (HELOC) & Today's Rates | Navy Federal Credit Union: https://www.navyfederal.org/loans-cards/equity/heloc.html
128. Home Equity Credit Card | Navy Federal Credit Union: https://www.navyfederal.org/loans-cards/equity/heloc/platinum-card.html
129. Home Equity Offers & Benefits | Navy Federal Credit Union: https://www.navyfederal.org/loans-cards/equity/offers-benefits.html
130. Applying for a Home Equity Loan | Navy Federal Credit Union: https://www.navyfederal.org/loans-cards/equity/resources/how-to-apply.html
131. Managing Your HELOC | Navy Federal Credit Union: https://www.navyfederal.org/loans-cards/equity/resources/managing-your-heloc.html
132. Navy Federal Home Equity Line of Credit: https://www.navyfederal.org/loans-cards/home-equity/
133. Navy Federal Home Equity Line of Credit Product Page: https://www.navyfederal.org/loans/home-equity.html
134. Navy Federal Credit Union Membership Eligibility: https://www.navyfederal.org/membership-and-eligibility.html
135. Membership Eligibility | Navy Federal Credit Union: https://www.navyfederal.org/membership/eligibility.html
136. Credit Union Membership for Veterans: https://www.navyfederal.org/membership/eligibility/veterans.html
137. Fees & Charges | Navy Federal Credit Union: https://www.navyfederal.org/membership/fees-and-charges.html
138. Rates | Navy Federal Credit Union: https://www.navyfederal.org/rates.html
139. Home Equity Loans | Ohio Educational Credit Union: https://www.ohecu.com/home-equity-loans
140. Home Equity & HELOCs | Princeton Federal Credit Union: https://www.princetonfcu.org/home-equity-loans-lines-of-credit-heloc
141. Home Equity Line of Credit (HELOC): https://www.providencecu.org/home-equity-line-of-credit-heloc
142. Home Equity Line of Credit (HELOC) Plus: Rates, Calculators & More | PSECU: https://www.psecu.com/loans/home-equity-line-of-credit-plus
143. About SCCU: https://www.sccu.com/about-sccu
144. 5 Top Tips to Getting the Best HELOC Rates: https://www.sccu.com/articles/home-mortgage/5-top-tips-to-getting-the-best-heloc-rates
145. HELOC Loan vs. Cash-Out Refinancing | Space Coast Credit Union: https://www.sccu.com/articles/home-mortgage/heloc-loan-vs-cash-out-refinancing
146. How Does a Home Equity Line of Credit Work? A Guide to ...: https://www.sccu.com/articles/home-mortgage/how-does-a-home-equity-line-of-credit-work-a-guide-to
147. Contact Space Coast Credit Union: https://www.sccu.com/contact-us
148. Consumer Rates | Space Coast Credit Union: https://www.sccu.com/personal/consumer-rates
149. Home Equity Loans | Available at Space Coast Credit Union: https://www.sccu.com/personal/home-equity-loans
150. Fixed Rate Home Equity Loan | Space Coast Credit Union: https://www.sccu.com/personal/home-equity-loans/fixed-rate-home-equity-loan
151. Home Equity Line of Credit: https://www.sccu.com/personal/home-equity-loans/home-equity-line-of-credit-heloc
152. Consumer Rates | Rates with SCCU | Space Coast Credit Union: https://www.sccu.com/personal/rates
153. Home Equity Calculators - Space Coast Credit Union: https://www.sccu.com/services/calculators/home-equity
154. HELOC FlexLine | Home Equity Line of Credit with Up to 5 Rate Locks - SESLOC Credit Union: https://www.sesloc.org/personal/home-loans/home-equity-line-of-credit/
155. Home Equity Line of Credit: https://www.usucu.org/borrow/home-loans/home-equity-line-of-credit/
156. Home Equity Line of Credit - Wheelhouse Credit Union: https://www.wheelhousecu.com/home-equity-line-of-credit/

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217. Oregon Home Equity Loan & HELOC Rates - September 2026: https://www.monitorbankrates.com/home-equity-loan-rates/oregon
218. Washington Home Equity Loan & HELOC Rates - September 2026: https://www.monitorbankrates.com/home-equity-loan-rates/washington
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226. Navy Federal Credit Union Reviews | Trustpilot: https://www.trustpilot.com/review/www.navyfederal.org
227. Navy Federal Credit Union Reviews | Trustpilot: https://www.trustpilot.com/review/www.navyfederal.org?page=2
228. Space Coast Credit Union Reviews | Trustpilot: https://www.trustpilot.com/review/www.sccu.com
229. Space Coast Credit Union | Yelp: https://www.yelp.com/biz/space-coast-credit-union-melbourne

Other Sources

230. iQ Credit Union HELOC assessment input record: https://servicecu.org/
231. https://servicecu.org/borrow/home-equity-loans/what-s-the-difference-between-a-home-equity-loan-and-a-heloc/: https://servicecu.org/borrow/home-equity-loans/what-s-the-difference-between-a-home-equity-loan-and-a-heloc/
232. https://www.iqcu.com: https://www.iqcu.com Explore more home equity loan and heloc lenders guidance in the category directory.