Massachusetts · dataset refreshed October 5, 2026

Home equity loan rates

Compare fixed-rate home equity loans for a predictable lump-sum borrowing option. Use the product & term filter to compare fixed periods and adjustable-rate options directly.

By LoanMate Editorial Team · Dataset refreshed October 5, 2026 — each rate row shows its own last-verified date

18rankable observations

7lenders with numeric rates

0leads sold

Borrower state

Rates shown are advertised rates for borrowers in Massachusetts. Dataset refreshed October 5, 2026 — each rate row shows its own last-verified date.

Out-of-state lender coverage reflects verified licensing and availability data as of September 28, 2026; lenders without verified coverage in a state aren’t shown.

Home Loans: compare purchase mortgages, refinances, HELOCs, and home equity loans. Auto and personal loans are separated into their own categories above.

Product & termTick one or more terms to compare them side by side — or keep Best pricing overall to see every term together.

How this table works. Rows are filtered by state eligibility and sorted only by the selected criterion. Rate and annual percentage rate (APR) come from public lender pages; points, fees, credit, LTV and other assumptions differ. Payment amounts are intentionally not shown in comparison tables. Organic order is never influenced by compensation. Full methodology

Home equity loanHome-lending rates only · dataset refreshed October 5, 2026

Lender & product	Rate	APR	Points	Verified
New Bedford Credit UnionFixed home equity loanHome equity loanMA localMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page unchanged since 2026-10-02, number re-extracted identical; page effective date: er 17, 2026	6%	—	Not listed	2026-10-05	Source ↗
New Bedford Credit UnionFixed home equity loanHome equity loanMA localMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page unchanged since 2026-10-02, number re-extracted identical; page effective date: September 17, 2026	6.125%	—	Not listed	2026-10-05	Source ↗
New Bedford Credit UnionFixed home equity loanHome equity loanMA localMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page unchanged since 2026-10-02, number re-extracted identical; page effective date: September 17, 2026	6.25%	—	Not listed	2026-10-05	Source ↗
New Bedford Credit UnionFixed home equity loanHome equity loanMA localMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page unchanged since 2026-10-02, number re-extracted identical; page effective date: September 17, 2026	6.375%	—	Not listed	2026-10-05	Source ↗
All One Credit UnionFixed home equity loanHome equity loanMA localMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 09/30/2026	6.5%	—	Not listed	2026-10-05	Source ↗
BankFiveFixed home equity loanHome equity loanMA localMA HQBankhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 9/30/2026	6.5%	—	Not listed	2026-10-05	Source ↗
New Bedford Credit UnionFixed home equity loanHome equity loanMA localMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page unchanged since 2026-10-02, number re-extracted identical; page effective date: September 17, 2026	6.5%	—	Not listed	2026-10-05	Source ↗
Main Street BankFixed home equity loanHome equity loanMA localMA HQBankhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 05-07-2026	6.75%	—	Not listed	2026-10-05	Source ↗
BankGloucesterFixed home equity · 5yrHome equity loanMA localMA HQBankhigh confidence Terms & assumptions LTV/CLTV: 80% LTV · Home equity loan 5-yr fixed 6.875% / 7.268% APR, 0 points; min loan $15,000; max 80% LTV. Page effective 2026-09-24; verified 2026-09-28.	6.875%	7.268%	0	2026-09-28	Source ↗
Main Street BankFixed home equity loanHome equity loanMA localMA HQBankhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 05-07-2026	7%	—	Not listed	2026-10-05	Source ↗
Main Street BankFixed home equity loanHome equity loanMA localMA HQBankhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 05-07-2026	7.06%	—	Not listed	2026-10-05	Source ↗
Main Street BankFixed home equity loanHome equity loanMA localMA HQBankhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 05-07-2026	7.31%	—	Not listed	2026-10-05	Source ↗

No payment amount is shown in this comparison table. Confirm the current annual percentage rate, repayment terms, fees and eligibility directly with the lender.

APR-only observations (8)

These lenders published an APR but not the underlying note rate, so they are not ranked in the rate leaderboard.

Home equity loanHome-lending rates only · dataset refreshed October 5, 2026

Lender & product	Rate	APR	Verified
Align Credit UnionFixed home equity loanHome equity loanMA local	Rate not published	5%	2026-10-05	Source ↗
StonehamBankFixed home equity loanHome equity loanMA local	Rate not published	5.99%	2026-10-05	Source ↗
Freedom Credit UnionFixed home equity loanHome equity loanMA local	Rate not published	5.99%	2026-10-05	Source ↗
NASA Federal Credit UnionFixed home equity · 5yrHome equity loanNational	Rate not published	6%	2026-10-02	Source ↗
All One Credit UnionFixed home equity loanHome equity loanMA local	Rate not published	6.25%	2026-10-05	Source ↗
All One Credit UnionFixed home equity loanHome equity loanMA local	Rate not published	6.25%	2026-10-05	Source ↗
NASA Federal Credit UnionFixed home equity · 5yrHome equity loanNational	Rate not published	6.25%	2026-10-02	Source ↗
Main Street BankFixed home equity loanHome equity loanMA local	Rate not published	6.5%	2026-10-05	Source ↗

Less-verified observations (3)

Excluded from rankings because the source or product mapping could not be verified confidently.

Home equity loanHome-lending rates only · dataset refreshed October 5, 2026

Lender & product	Rate	APR	Verified
Avidia BankFixed home equity loanHome equity loanMA localMA HQBanklow confidence Terms & assumptions LTV/CLTV: 80% max CLTV · Fixed HE 180-month; JS-rendered table not visible in direct fetch and not present in search-index snippet this run; figure carried from prior batch - treat as unverified	8.125%	8.181%	2026-09-27 11:40 AMStale — kept out of default rankings	Source ↗
Avidia BankFixed home equity loanHome equity loanMA localMA HQBanklow confidence Terms & assumptions LTV/CLTV: 80% max CLTV · Fixed HE 240-month; JS-rendered table not visible in direct fetch and not present in search-index snippet this run; figure carried from prior batch - treat as unverified	8.25%	8.296%	2026-09-27 11:40 AMStale — kept out of default rankings	Source ↗
Avidia BankFixed home equity loanHome equity loanMA localMA HQBanklow confidence Terms & assumptions LTV/CLTV: 80% max CLTV · Fixed HE 300-month; JS-rendered table not visible in direct fetch and not present in search-index snippet this run; figure carried from prior batch - treat as unverified	8.625%	8.666%	2026-09-27 11:40 AMStale — kept out of default rankings	Source ↗

No payment amount is shown in this comparison table. Confirm the current annual percentage rate, repayment terms, fees and eligibility directly with the lender.

Common questions

What are home equity loan rates in Massachusetts today?

In our October 5, 2026 Massachusetts snapshot of 18 eligible fixed home equity loan observations, the lowest advertised rate was 6.00%. A fixed home equity loan pays a lump sum on a predictable schedule — confirm the current rate, fees, and eligibility with the lender.

Is a HELOC or home equity loan better right now?

Neither one is always better: a fixed home equity loan pays a lump sum with set payments, while a HELOC is a reusable variable-rate draw line. In our October 5, 2026 Massachusetts snapshot, the lowest verified advertised HELOC rate was 5.125% and the lowest home equity loan rate was 6.00%.

Do home equity loan rates change after closing?

Fixed home equity loans keep the same rate for the life of the loan — unlike variable-rate HELOCs, whose rates can move with an index after an intro period. Our October 5, 2026 snapshot compares only fixed home equity loan observations; HELOCs are compared separately so the two products don’t blur together.

Are the rates on this page guaranteed?

No. Each row is a publicly advertised observation captured at the date and time in its Verified column, sourced from the lender’s own website. Rates can change at any time, so open the lender’s source link and confirm pricing, points, fees, and eligibility directly before relying on it.