Home Equity Loan Rates

The national average HELOC rates is 8.25% as of today (October 8, 2026), and the 10-year home equity loan rates is around 8.16%.

Current Home Equity 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%

From 13 lenders

Lender	Rate / APR	Loan Amount / Terms
FourLeaf Federal Credit Union Home Equity Line of Credit	5.990% First 12 months · 7.250% after	Min. initial draw $25,000
Third Federal Savings and Loan Home Equity Loan	6.69%	$10,000–$300,000 5 to 30 year term
Regions Bank Home Equity Loan	6.75%	$10,000–$250,000 10 to 20 year term
Fifth Third Bank Home Equity Loan	6.75%	$10,000–$500,000 10 to 30 year term
Achieve Loans 30-Year Home Equity Loan	6.925%	$661 /mo
Figure Home Equity Line of Credit	6.950% Intro / After APR	Min. initial draw $15,000
Reliant Home Funding Home Equity Line of Credit	6.950% Intro / After APR	Min. initial draw $15,000
TD Bank Home Equity Loan	6.99%	$10,000 minimum 5 to 30 year term
Owning Home Equity Line of Credit	7.074% Intro / After APR	Min. initial draw $25,000
Rate Home Equity Line of Credit	7.077% Intro / After APR	Min. initial draw $25,000
US Bank Home Equity Loan	7.15%	$25,000–$750,000 ($1 million in CA) Up to 30 year term
Connexus Credit Union Home Equity Loan	7.31%	$5,000 minimum 5 to 15 year term
Splash Home Equity Line of Credit	7.625% First 7 months · 7.625% after	Min. initial draw $25,000

The home equity loan & HELOC rates shows the rates from the recent past.

Source: Freddie Mac

To see the mortgage interest rates for the past 20 years, go to mortgage interest rates over time.