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Add your home equity / heloc ratesHome Equity / HELOC Rates
Anonymous, self-reported prices matching your filters.
25th pct
7.01% APR
Median
7.37% APR
75th pct
8.18% APR
90th pct
9.43% APR
APR distribution
6.53%11.71%
What drives the rate?
Average APR by credit score.
Poor (<580)
11.14%
Fair (580-669)
8.91%
Good (670-739)
7.67%
Excellent (740+)
6.87%
Recent reports
| APR | Provider | Region | Product | Rate type | Term | Credit score | Signed |
|---|---|---|---|---|---|---|---|
| 6.53% APR | Local Credit Union | NJ | HELOC | Variable | 30 years | Excellent (740+) | Jun 2026 |
| 7.46% APR | Figure | VA | HELOC | Variable | 10 years | Good (670-739) | Jun 2026 |
| 7.00% APR | U.S. Bank | PA | HELOC | Variable | 30 years | Excellent (740+) | Jun 2026 |
| 11.29% APR | U.S. Bank | TN | HELOC | Variable | 10 years | Poor (<580) | Jun 2026 |
| 9.47% APR | Wells Fargo | NJ | HELOC | Variable | 30 years | Fair (580-669) | Jun 2026 |
| 8.15% APR | Navy Federal | Jacksonville, FL | Home equity loan | Fixed | 30 years | Good (670-739) | Jun 2026 |
| 7.02% APR | Figure | Orlando, FL | HELOC | Variable | 10 years | Excellent (740+) | May 2026 |
| 7.08% APR | Wells Fargo | Austin, TX | Home equity loan | Fixed | 10 years | Excellent (740+) | May 2026 |
| 6.53% APR | Figure | WI | Home equity loan | Fixed | 30 years | Excellent (740+) | May 2026 |
| 7.97% APR | Figure | Rochester, NY | HELOC | Variable | 10 years | Good (670-739) | May 2026 |
| 6.63% APR | U.S. Bank | Dallas, TX | HELOC | Variable | 15 years | Excellent (740+) | May 2026 |
| 7.45% APR | Navy Federal | Dallas, TX | Home equity loan | Fixed | 15 years | Good (670-739) | May 2026 |
| 7.47% APR | Local Credit Union | PA | Home equity loan | Fixed | 10 years | Good (670-739) | May 2026 |
| 6.55% APR | Wells Fargo | Jacksonville, FL | Home equity loan | Fixed | 10 years | Excellent (740+) | Apr 2026 |
| 9.05% APR | PNC | IL | HELOC | Variable | 15 years | Fair (580-669) | Apr 2026 |
| 10.43% APR | PNC | San Antonio, TX | Home equity loan | Fixed | 10 years | Poor (<580) | Mar 2026 |
| 7.06% APR | Wells Fargo | San Diego, CA | Home equity loan | Fixed | 30 years | Excellent (740+) | Mar 2026 |
| 7.36% APR | PNC | OR | Home equity loan | Fixed | 15 years | Good (670-739) | Mar 2026 |
| 6.62% APR | Local Credit Union | MA | Home equity loan | Fixed | 15 years | Excellent (740+) | Mar 2026 |
| 7.96% APR | Figure | Austin, TX | Home equity loan | Fixed | 20 years | Good (670-739) | Mar 2026 |
| 8.25% APR | PNC | Buffalo, NY | Home equity loan | Fixed | 10 years | Fair (580-669) | Feb 2026 |
| 8.00% APR | U.S. Bank | San Jose, CA | HELOC | Fixed | 20 years | Good (670-739) | Feb 2026 |
| 6.63% APR | Navy Federal | Los Angeles, CA | HELOC | Fixed | 10 years | Excellent (740+) | Feb 2026 |
| 7.07% APR | Bank of America | AZ | HELOC | Variable | 15 years | Excellent (740+) | Feb 2026 |
| 8.76% APR | Bank of America | IL | Home equity loan | Fixed | 20 years | Fair (580-669) | Feb 2026 |
| 7.07% APR | Figure | Dallas, TX | Home equity loan | Fixed | 20 years | Excellent (740+) | Feb 2026 |
| 11.71% APR | Bank of America | Sacramento, CA | Home equity loan | Fixed | 15 years | Poor (<580) | Jan 2026 |
| 6.74% APR | Bank of America | Albany, NY | Home equity loan | Fixed | 10 years | Excellent (740+) | Jan 2026 |
| 9.01% APR | Figure | GA | Home equity loan | Fixed | 15 years | Fair (580-669) | Jan 2026 |
| 7.19% APR | Local Credit Union | MI | HELOC | Variable | 15 years | Excellent (740+) | Jan 2026 |
| 7.37% APR | PNC | San Diego, CA | HELOC | Variable | 20 years | Excellent (740+) | Jan 2026 |
| 7.24% APR | PNC | San Diego, CA | Home equity loan | Fixed | 15 years | Good (670-739) | Jan 2026 |