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Rate guide · dataset refreshed October 5, 2026

HELOC Rate Snapshot for Massachusetts

Verified public HELOC observations in our current Massachusetts lender set, with introductory and ongoing terms kept distinct.

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

Five lowest observed rates

HELOC disclosure. Each row pairs the advertised rate with available fee information, variable-rate status and the maximum APR found in the source observation. Missing terms are labeled—not assumed. Rates may change, and these are not offers. Organic order is never influenced by compensation. Full methodology
HELOCHome-lending rates only · dataset refreshed October 5, 2026
Lender & productRateAPRPointsFeesRate terms & maximum APRVerified
Methuen Co-operative BankHELOCHELOCMA 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

5.125%—Not listedNot listed in source observationVariable rate; may change with the indexMaximum APR: Not listed in source observation2026-10-05Source ↗
TruNorth BankHELOC · INTROHELOCMA localLenderhigh 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 16, 2026

5.99%—Not listedNot listed in source observationVariable rate; may change with the indexMaximum APR: Not listed in source observation2026-10-05Source ↗
All One Credit UnionHELOC · INTROHELOCMA 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%—Not listedNot listed in source observationVariable rate; may change with the indexMaximum APR: Not listed in source observation2026-10-05Source ↗
Alltrust Credit UnionHELOCHELOCMA 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: September 29, 2026

6.25%—Not listedNot listed in source observationVariable rate; may change with the indexMaximum APR: Not listed in source observation2026-10-05Source ↗
Mass Bay Credit UnionHELOC · INTROHELOCMA 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: November 19, 2024

6.25%—Not listedNot listed in source observationVariable rate; may change with the indexMaximum APR: Not listed in source observation2026-10-05Source ↗

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

How a HELOC works

A home equity line of credit lets you borrow against available home equity during a draw period. Most HELOCs in this dataset use a variable rate tied to the Wall Street Journal Prime Rate, plus or minus a lender margin.

Intro rate versus post-intro rate

A low opening rate may last only a few months. Compare the duration, the later index-plus-margin rate, annual fees, early-termination charges, minimum draws and combined loan-to-value limits. The ranked rows above carry each public figure’s timestamp and direct lender source.

What to verify before applying

  • The rate and APR currently available for your credit, property and line size.
  • The index, margin, floor and maximum APR after any promotional period.
  • Closing costs, annual fees, early-closure charges and minimum initial draws.
  • Whether interest-only payments apply during the draw period.

Common questions

Is this the lowest HELOC rate in Massachusetts?

These five rows are the lowest verified public HELOC observations in our current Massachusetts lender set, each with its own verification timestamp and direct lender source. They are observations, not quotes — open the lender’s page and confirm the rate for your credit, property, and line size.

What’s more important — the intro rate or the post-intro rate?

Both. A low opening rate may last only a few months before the index-plus-margin rate begins. Compare the intro duration, the later rate, the index, the margin, the floor, and the maximum APR before borrowing.