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HELOC Rates
The national average HELOC rates today are from 6.13% to 10.58%. The 15-year home equity loan rates is between 5.99% to 11.85% from various lenders. Updated: October 8, 2026
Current HELOC Rates
| Product Name | Average Rates | Low Rate | High Rate |
|---|---|---|---|
| Home Equity Line of Credit | 8.249% | 6.125% | 10.580% |
| Home Equity Loan - 10 Years | 8.164% | 5.625% | 11.800% |
| Home Equity Loan - 15 Years | 8.567% | 5.990% | 11.850% |
| Home Equity Loan - 20 Years | 8.912% | 6.490% | 11.900% |
| Home Equity Loan - 30 Years | 8.739% | 6.520% | 11.950% |
| Home Equity Loan - 5 Years | 7.787% | 5.000% | 11.750% |
Today's HELOC Rates
From 13 lenders
| Lender | Rate / APR | Loan Amount / Terms |
|---|---|---|
|
Achieve Loans
HELOC
|
5.50%
|
$15,000–$700,000
10-, 15-, 20- or 30-year repayment period
|
|
Aven
HELOC
|
5.99%
|
$5,000–$400,000
5-, 10-, 15- or 30-year repayment period
|
|
Police and Fire Federal Credit Union
HELOC
|
6.00%
|
Up to $600,000
5-year draw period, 15-year repayment period
|
|
Third Federal Savings and Loan
HELOC
|
6.24%
|
$10,000–$300,000
10-year draw period, 30-year total repayment period
|
|
Fifth Third Bank
HELOC
|
6.50%
|
$10,000–$500,000
10-year draw period, 20-year repayment period
|
|
Splash Financial
HELOC
|
6.50%
7.625% after 7-mo intro period
|
Up to $500,000
10-year draw period, 20-year repayment period
|
|
Upstart
HELOC
|
6.52%
|
$26,000–$250,000
3-year draw period, 10- or 15-year repayment period
|
|
Rate
HELOC
|
6.70%
7.077% (FL listing)
|
$20,000–$750,000
Up to 30 years · Min. initial draw $25,000
|
|
FourLeaf Federal Credit Union
HELOC
|
6.75%
Intro: 5.99% (12 mo.) / FL listing: 5.99% intro → 7.250%
|
$10,000–$1,000,000
10-year draw period, 20-year repayment period · Min. initial draw $25,000
|
|
Reliant Home Funding, Inc.
HELOC
|
6.950%
Intro / After APR
|
Min. initial draw $15,000
|
|
Figure
HELOC
|
6.950%
Intro / After APR
|
Min. initial draw $15,000
|
|
Alliant Credit Union
HELOC
|
7.00%
Intro: 3.99%
|
$10,000+ ($25,001 in WI and Washington, D.C.)
10-year draw period, 20-year repayment period
|
|
Owning
HELOC
|
7.074%
Intro / After APR
|
Min. initial draw $25,000
|
HELOC Rates Today
The HELOC rates shows the home equity line of credit rates from the past to today.
Source: Freddie Mac
To see the mortgage interest rates for the past 20 years, go to mortgage interest rates over time.
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