Ranking · Q2 2026 call reports
Credit unions with the lowest home equity rates
Community 1st Credit Union of Ottumwa, Iowa leads this list at 1.00%, according to the call reports credit unions filed with NCUA for the quarter ended June 30, 2026. Lowest home equity rate reported on the call report, $25 million and up with at least $1 million of these loans. 2,639 credit unions qualify; the top 100 are below.
These are the rates credit unions reported on their call reports, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
| # | Credit union | Location | Home equity | Mortgage | Home loans | Assets |
|---|---|---|---|---|---|---|
| 1 | Community 1st Credit Union | Ottumwa, IA | 1.00% | 5.88% | $417M | $1.1B |
| 2 | Accentra Credit Union | Austin, MN | 1.99% | 5.25% | $53.6M | $208M |
| 3 | Tonawanda Valley Federal Credit Union | Batavia, NY | 2.40% | 2.50% | $40.1M | $171M |
| 4 | Riverfront Federal Credit Union | Wyomissing, PA | 2.49% | 2.49% | $119M | $320M |
| 5 | Dowagiac Area Federal Credit Union | Dowagiac, MI | 2.50% | 2.75% | $3.1M | $26.0M |
| 6 | Midwest Liberty Federal Credit Union | McCook, NE | 2.80% | 4.73% | $1.1M | $25.2M |
| 7 | Veridian Credit Union | Waterloo, IA | 2.99% | 5.75% | $3.2B | $9.2B |
| 8 | Singing River Federal Credit Union | Moss Point, MS | 2.99% | 5.95% | $67.8M | $397M |
| 9 | Jetstream Federal Credit Union | Miami Lakes, FL | 2.99% | 5.50% | $117M | $307M |
| 10 | University Federal Credit Union | Austin, TX | 3.00% | 3.00% | $1.2B | $4.3B |
| 11 | Syracuse Fire Department Employees Federal Credit Union | Syracuse, NY | 3.00% | 6.25% | $38.7M | $147M |
| 12 | Educational Systems Federal Credit Union | Greenbelt, MD | 3.49% | 4.88% | $498M | $1.4B |
| 13 | Ideal Credit Union | Woodbury, MN | 3.49% | 4.88% | $415M | $1.1B |
| 14 | Cornerstone Community Federal Credit Union | Lockport, NY | 3.49% | 3.49% | $275M | $730M |
| 15 | Hudson River Community Federal Credit Union | Corinth, NY | 3.50% | 3.50% | $167M | $364M |
| 16 | Nebraska Energy Federal Credit Union | Columbus, NE | 3.50% | 4.33% | $188M | $328M |
| 17 | Advantage Financial Federal Credit Union | Washington, DC | 3.50% | 6.00% | $40.5M | $103M |
| 18 | First Education Federal Credit Union | Cheyenne, WY | 3.50% | 4.50% | $13.2M | $87.2M |
| 19 | Big Island Federal Credit Union | Hilo, HI | 3.64% | 5.14% | $22.1M | $195M |
| 20 | McKesson & Healthcare Providers Federal Credit Union | Martinez, CA | 3.64% | 3.25% | $27.2M | $92.8M |
| 21 | Ko`olau Federal Credit Union | Kailua, HI | 3.76% | 4.00% | $36.4M | $104M |
| 22 | City Federal Credit Union | Amarillo, TX | 3.80% | 13.57% | $10.0M | $84.3M |
| 23 | Fresno Grangers Federal Credit Union | Fresno, CA | 3.88% | 4.08% | $10.3M | $25.9M |
| 24 | ESL Federal Credit Union | Rochester, NY | 3.95% | 6.37% | $1.6B | $10.8B |
| 25 | Members First Credit Union | Corpus Christi, TX | 3.95% | 6.60% | $32.4M | $183M |
| 26 | Alliant Credit Union | Chicago, IL | 3.99% | 5.75% | $8.4B | $20.0B |
| 27 | Blaze Credit Union | Falcon Heights, MN | 3.99% | 3.99% | $1.5B | $4.8B |
| 28 | Ventura County Credit Union | Ventura, CA | 3.99% | 5.88% | $478M | $1.5B |
| 29 | Municipal Empl.credit Union of Balt | Baltimore, MD | 3.99% | 5.46% | $338M | $1.3B |
| 30 | Campus Federal Credit Union | Baton Rouge, LA | 3.99% | 5.88% | $249M | $936M |
| 31 | Downeast Credit Union | Baileyville, ME | 3.99% | 5.01% | $45.5M | $330M |
| 32 | Alabama Central Credit Union | Birmingham, AL | 3.99% | 6.25% | $68.1M | $214M |
| 33 | Sun Credit Union | Hollywood, FL | 3.99% | 5.91% | $20.9M | $129M |
| 34 | Kemba Indianapolis Credit Union | Indianapolis, IN | 3.99% | 3.99% | $12.6M | $82.3M |
| 35 | American Lake Credit Union | Lakewood, WA | 3.99% | 5.50% | $9.3M | $59.6M |
| 36 | McCoy Federal Credit Union | Orlando, FL | 4.00% | 3.00% | $133M | $1.0B |
| 37 | Members Heritage Credit Union | Lexington, KY | 4.00% | 5.75% | $154M | $591M |
| 38 | Central Jersey Federal Credit Union | Woodbridge, NJ | 4.00% | 4.00% | $28.4M | $93.2M |
| 39 | Helco Federal Credit Union | Hilo, HI | 4.00% | 4.00% | $6.4M | $46.5M |
| 40 | I B E W 26 Federal Credit Union | Lanham, MD | 4.00% | 2.63% | $1.7M | $29.9M |
| 41 | Solutions First Federal Credit Union | Enterprise, AL | 4.22% | 4.84% | $1.6M | $45.2M |
| 42 | Space Coast Credit Union | Melbourne, FL | 4.24% | 5.50% | $3.6B | $9.2B |
| 43 | SchoolsFirst Federal Credit Union | Santa Ana, CA | 4.25% | 5.50% | $12.9B | $37.2B |
| 44 | Complex Community Federal Credit Union | Odessa, TX | 4.25% | 6.50% | $184M | $818M |
| 45 | Emergency Responders Credit Union | Winston Salem, NC | 4.25% | 4.25% | $4.8M | $30.2M |
| 46 | Fresno Police Department Credit Union | Fresno, CA | 4.26% | 3.86% | $1.4M | $49.5M |
| 47 | Theory Federal Credit Union | Painesville, OH | 4.27% | 4.23% | $7.2M | $38.4M |
| 48 | Patent and Trademark Office Federal Credit Union | Alexandria, VA | 4.28% | 3.58% | $3.8M | $40.1M |
| 49 | Guthrie Community Federal Credit Union | Sayre, PA | 4.42% | 5.30% | $35.8M | $123M |
| 50 | Morrisons Cove 1st Federal Credit Union | Roaring Spring, PA | 4.47% | 4.50% | $7.1M | $61.9M |
| 51 | Boeing Employees Credit Union | Tukwila, WA | 4.49% | 4.49% | $11.9B | $29.6B |
| 52 | Centra Credit Union | Columbus, IN | 4.49% | 4.49% | $926M | $2.4B |
| 53 | Financial Trust Federal Credit Union | Cheektowaga, NY | 4.49% | 4.64% | $46.7M | $203M |
| 54 | Revity Credit Union | Granite City, IL | 4.50% | 5.88% | $80.0M | $527M |
| 55 | Boston Firefighters Credit Union | Dorchester, MA | 4.50% | 5.35% | $293M | $453M |
| 56 | Elevate Federal Credit Union | Brigham City, UT | 4.50% | 4.50% | $21.0M | $260M |
| 57 | Ulster Federal Credit Union | Kingston, NY | 4.50% | 7.00% | $15.2M | $179M |
| 58 | Gardiner Federal Credit Union | Gardiner, ME | 4.50% | 5.00% | $17.9M | $101M |
| 59 | Corner Post Federal Credit Union | Wilkes Barre, PA | 4.50% | 4.25% | $8.6M | $99.4M |
| 60 | Select Seven Federal Credit Union | Johnson City, TN | 4.50% | 4.00% | $20.2M | $62.4M |
| 61 | Franklin Johnstown Federal Credit Union | Johnstown, PA | 4.50% | 4.67% | $2.2M | $37.3M |
| 62 | Armstrong Associates Federal Credit Union | Ford City, PA | 4.55% | 4.47% | $12.8M | $82.3M |
| 63 | Landmark Credit Union | Danville, IL | 4.56% | 6.37% | $4.8M | $119M |
| 64 | Maui Teachers Federal Credit Union | Wailuku, HI | 4.58% | 3.75% | $3.5M | $38.5M |
| 65 | Northwest Adventist Federal Credit Union | Portland, OR | 4.58% | 4.16% | $14.2M | $33.9M |
| 66 | Remington Federal Credit Union | Ilion, NY | 4.62% | 3.73% | $3.7M | $59.9M |
| 67 | Horizon Credit Union | Spokane Valley, WA | 4.64% | 5.52% | $420M | $2.0B |
| 68 | Central Susquehanna Community Federal Credit Union | Danville, PA | 4.64% | 4.62% | $12.3M | $37.4M |
| 69 | Allegany First Federal Credit Union | Fillmore, NY | 4.68% | 3.55% | $1.0M | $27.1M |
| 70 | K V Federal Credit Union | Augusta, ME | 4.71% | 4.50% | $38.3M | $140M |
| 71 | Consumers Credit Union | Lake Forest, IL | 4.74% | 6.50% | $1.0B | $4.6B |
| 72 | Aim Credit Union | Dubuque, IA | 4.74% | 5.50% | $79.4M | $201M |
| 73 | TCT Federal Credit Union | Ballston Spa, NY | 4.75% | 4.75% | $114M | $296M |
| 74 | Straits Area Federal Credit Union | Cheboygan, MI | 4.75% | 8.25% | $7.9M | $132M |
| 75 | Allentown Federal Credit Union | Allentown, PA | 4.75% | 4.94% | $63.2M | $128M |
| 76 | Cleveland Selfreliance Federal Credit Union | Parma, OH | 4.75% | 4.61% | $23.4M | $114M |
| 77 | Affinity First Federal Credit Union | Minot, ND | 4.75% | 2.75% | $17.8M | $70.8M |
| 78 | Central Wisconsin Credit Union | Plover, WI | 4.75% | 5.67% | $21.3M | $56.3M |
| 79 | Everglades Federal Credit Union | Clewiston, FL | 4.75% | 7.00% | $6.3M | $55.4M |
| 80 | B&V Credit Union | Overland Park, KS | 4.75% | – | $5.6M | $42.6M |
| 81 | First Carolina People's Credit Union | Goldsboro, NC | 4.75% | 5.36% | $20.0M | $33.3M |
| 82 | Community Financial Services Federal Credit Union | Roselle, NJ | 4.75% | 3.38% | $6.2M | $30.6M |
| 83 | Pittsburgh Firefighters' Federal Credit Union | Pittsburgh, PA | 4.76% | 4.76% | $13.2M | $81.4M |
| 84 | Beacon Federal Credit Union | La Porte, TX | 4.78% | 5.75% | $21.4M | $215M |
| 85 | Government Employees Federal Credit Union | Austin, TX | 4.78% | 4.57% | $53.2M | $189M |
| 86 | PRR South Fork Federal Credit Union | South Fork, PA | 4.78% | 4.46% | $4.6M | $48.8M |
| 87 | Westex Federal Credit Union | Lubbock, TX | 4.82% | 4.06% | $2.5M | $88.9M |
| 88 | Merho Federal Credit Union | Johnstown, PA | 4.82% | 4.53% | $7.2M | $60.8M |
| 89 | Clearpath Federal Credit Union | Burbank, CA | 4.85% | 3.93% | $25.8M | $229M |
| 90 | Baycel Federal Credit Union | Bay City, TX | 4.85% | 5.89% | $2.8M | $92.2M |
| 91 | Friendly Federal Credit Union | Aliquippa, PA | 4.87% | 4.30% | $14.3M | $69.1M |
| 92 | Dutrac Community Credit Union | Dubuque, IA | 4.89% | 5.88% | $405M | $1.3B |
| 93 | Bowater Employees Credit Union | Calhoun, TN | 4.89% | 5.02% | $110M | $303M |
| 94 | Bridgeton Onized Federal Credit Union | Cedarville, NJ | 4.89% | 4.28% | $6.0M | $49.7M |
| 95 | Butte Community Federal Credit Union | Butte, MT | 4.89% | 4.89% | $6.2M | $37.7M |
| 96 | VA Desert Pacific Federal Credit Union | Long Beach, CA | 4.90% | 3.90% | $35.4M | $98.8M |
| 97 | Circle Federal Credit Union | Niles, MI | 4.91% | 4.16% | $55.5M | $117M |
| 98 | Explorers Federal Credit Union | Yankton, SD | 4.93% | 6.93% | $35.5M | $111M |
| 99 | Long Beach Firemen S Credit Union | Long Beach, CA | 4.95% | 3.55% | $124M | $201M |
| 100 | Visionary Federal Credit Union | Bridgeville, PA | 4.96% | 4.60% | $10.4M | $40.8M |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Home equity rate: Interest rate reported for 1-4 family junior-lien loans and lines. Not affiliated with NCUA or any credit union. Open this list in the screener · Compare credit unions
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