Massachusetts · dataset refreshed October 5, 2026

HELOC rates

Compare variable home equity lines, including intro-rate details and post-intro disclosures. 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

43rankable observations

19lenders 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.

Best pricing overall Variable-rate HELOC Fixed-rate advance

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 & product	Rate	APR	Points	Fees	Rate terms & maximum APR	Verified
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 listed	Not listed in source observation	Variable rate; may change with the indexMaximum APR: Not listed in source observation	2026-10-05	Source ↗
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 listed	Not listed in source observation	Variable rate; may change with the indexMaximum APR: Not listed in source observation	2026-10-05	Source ↗
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 listed	Not listed in source observation	Variable rate; may change with the indexMaximum APR: Not listed in source observation	2026-10-05	Source ↗
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 listed	Not listed in source observation	Variable rate; may change with the indexMaximum APR: Not listed in source observation	2026-10-05	Source ↗
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 listed	Not listed in source observation	Variable rate; may change with the indexMaximum APR: Not listed in source observation	2026-10-05	Source ↗
Hanscom Federal Credit UnionHELOCHELOCMA localMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); variable; to 75% CLTV (Prime - 1/2%); page effective date: 10-05-2026	6.5%	—	Not listed	Not listed in source observation	Variable rate; may change with the indexMaximum APR: Not listed in source observation	2026-10-05	Source ↗
Needham 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 unchanged since 2026-10-02, number re-extracted identical; page effective date: September 10, 2026	6.5%	—	Not listed	Not listed in source observation	Variable rate; may change with the indexMaximum APR: Not listed in source observation	2026-10-05	Source ↗
Bluestone 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; page effective date: 09/30/2026	6.5%	—	Not listed	Not listed in source observation	Variable rate; may change with the indexMaximum APR: Not listed in source observation	2026-10-05	Source ↗
Wrentham 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 unchanged since 2026-10-02, number re-extracted identical; page effective date: er 1, 2026	6.5%	—	Not listed	Not listed in source observation	Variable rate; may change with the indexMaximum APR: Not listed in source observation	2026-10-05	Source ↗
BankGloucesterHELOCHELOCMA localMA HQBankhigh confidence Terms & assumptions LTV/CLTV: 80% LTV incl. 1st mortgage · Variable APR 6.75% (WSJ Prime 7.00% less 0.25%), floor 4.00%, max 18%; 10-yr draw/15-yr payback; interest-only payments during draw; no closing costs. Page effective 2026-09-24; verified 2026-09-28.	6.75%	6.75%	0	No closing costs	Variable rate; may change with the indexMaximum APR: 18%	2026-09-28	Source ↗
Hanscom Federal Credit UnionHELOC · FRA 5yrHELOCMA localMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); fixed rate advance, to 75% LTV, up to 5 yrs (floor of advertised range); page effective date: 10-05-2026	6.865%	—	Not listed	Not listed in source observation	Fixed-rate advance within a HELOCMaximum APR: Not listed in source observation	2026-10-05	Source ↗
Cambridge Savings 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 unchanged since 2026-10-02, number re-extracted identical; page effective date: September 28, 2026	7%	—	Not listed	Not listed in source observation	Variable rate; may change with the indexMaximum APR: Not listed in source observation	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.

HELOCHome-lending rates only · dataset refreshed October 5, 2026

Lender & product	Rate	APR	Verified
Mass Bay Credit UnionHELOCHELOCMA local	Rate not published	3.49%	2026-10-05	Source ↗
Mass Bay Credit UnionHELOCHELOCMA local	Rate not published	3.49%	2026-10-05	Source ↗
All One Credit UnionHELOCHELOCMA local	Rate not published	4.99%	2026-10-05	Source ↗
Align Credit UnionHELOCHELOCMA local	Rate not published	5.24%	2026-10-05	Source ↗
Align Credit UnionHELOCHELOCMA local	Rate not published	5.24%	2026-10-05	Source ↗
Align Credit UnionHELOC · INTROHELOCMA local	Rate not published	5.24%	2026-10-05	Source ↗
Align Credit UnionHELOCHELOCMA local	Rate not published	5.24%	2026-10-05	Source ↗
Greenfield Cooperative BankHELOC · INTROHELOCMA local	Rate not published	5.4%	2026-10-05	Source ↗

Variable-rate reminder: a HELOC rate can change with its index after an introductory period. Each row labels variable-rate status, available fee information and the maximum APR found in the source observation.

Common questions

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%.

What are HELOC rates in Massachusetts today?

Among 43 eligible HELOC observations for Massachusetts borrowers last refreshed on October 5, 2026, the lowest advertised variable rate was 5.125%. Every HELOC row also lists its rate type, fees, and any maximum APR the lender published, because variable rates can rise after any introductory period.

Why does the table show a maximum APR next to the HELOC rate?

Most HELOCs are variable-rate: the advertised rate can rise with its index after any introductory period. Pairing today’s advertised rate with the maximum APR found in the source observation shows the ceiling you could face if benchmark rates climb later.

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.