Calculator · Q2 2026 call reports
Credit union home equity calculator
The median home equity rate credit unions reported to NCUA for Q2 2026 was 6.75%. At that rate, $50,000 over 10 years costs $574.12 a month and $18,894 in interest.
The rates here are the ones credit unions reported to NCUA on their call reports for the quarter ended June 30, 2026, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
Treats the balance as a fixed-rate loan paid off evenly over the term. A line of credit with interest-only draw years or a variable rate will differ.
Payments on $50,000 at the 6.75% median
| Term | Monthly | Total interest |
|---|---|---|
| 60 months | $984.17 | $9,050 |
| 10 years | $574.12 | $18,894 |
| 15 years | $442.45 | $29,642 |
| 20 years | $380.18 | $41,244 |
Median and lowest reported rates by state
The median is across credit unions based in the state that hold these loans. The lowest uses the national ranking's rules: $25 million or more in assets and at least $1 million of that loan type. Each state links to every rate its credit unions reported.
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Credit unions with the lowest home equity rates · All calculators
Questions people ask
What is the average credit union home equity rate?
The median home equity rate credit unions reported on their Q2 2026 NCUA call reports was 6.75%. It is a median across credit unions that hold these loans, not an offer.
Are these the rates I will be offered?
No. They are the rates credit unions entered for each loan type on their call reports to NCUA for the quarter. Your rate depends on your credit, the term, the collateral and the date, and you must be eligible to join the credit union. Use them as a benchmark, then check the credit union's own rate sheet.
How is the payment calculated?
With the standard amortization formula: payment = P x r / (1 - (1 + r)^-n), where P is the amount, r the annual rate divided by 12, and n the number of months.