SwitchWizeFinancial Decisions, Made Clearer
HELOC · Updated today

Compare HELOC APRs before you tap your home equity.

Market average APR: 15.90%. Lowest observed APR: 11.80%. We compare 19 HELOC lenders; verify final draw-period, fee, and variable-rate terms before applying.

Current HELOC rates start around 11.80% APR as of August 2026.

Compare HELOC ratesCalculate my payment
No paid organic rankingAll loan typesNo credit pull
Rate trend linked to this page

HELOC Rate Trends

What would tapping home equity actually cost? Estimate payments before comparing HELOC terms.

Best HELOC APR

11.80% APR

Average

15.90% APR

View trend CalculateAlertMap
MethodologyIndependent rankings. Sponsored offers labeled. Terms verified regularly.
My credit:

Showing 14 of 19 heloc

Bank of America

#1

Bank of America home-equity

11.80%
APR
Lowest observed APRDisclosure partially verifiedVerify final HELOC terms
Not ranked — rate eligibility needs verificationVariable ratehome-equity
Check rateDetails →

You'll leave SwitchWize. Verify terms with the lender. Advertising disclosure

PNC Bank

#2

PNC Bank home-equity

11.80%
APR
Observed HELOC APRDisclosure partially verifiedVerify final HELOC terms
Not ranked — rate eligibility needs verificationVariable ratehome-equity
Check rateDetails →

You'll leave SwitchWize. Verify terms with the lender. Advertising disclosure

TD Bank

#3

TD Bank home-equity

11.80%
APR
Observed HELOC APRDisclosure partially verifiedVerify final HELOC terms
Not ranked — rate eligibility needs verificationVariable ratehome-equity
Check rateDetails →

You'll leave SwitchWize. Verify terms with the lender. Advertising disclosure

U.S. Bank

#4

U.S. Bank home-equity

11.80%
APR
HELOC terms pendingDisclosure partially verifiedVerify final HELOC terms
Not ranked — rate eligibility needs verificationVariable ratehome-equity
Check rateDetails →

You'll leave SwitchWize. Verify terms with the lender. Advertising disclosure

Citizens

#5

Citizens HELOC

11.80%
APR
HELOC terms pendingDisclosure partially verifiedVerify final HELOC terms
Not ranked — rate eligibility needs verificationVariable rateHELOC
Check rateDetails →

You'll leave SwitchWize. Verify terms with the lender. Advertising disclosure

KeyBank

#6

KeyBank home-equity

11.80%
APR
HELOC terms pendingDisclosure partially verified
Not ranked — rate eligibility needs verificationVariable ratehome-equity
Check rateDetails →

You'll leave SwitchWize. Verify terms with the lender. Advertising disclosure

Best Egg

#7

Best Egg HELOC

11.80%
APR
HELOC terms pendingDisclosure partially verified
Not ranked — rate eligibility needs verificationVariable rateHELOC
Check rateDetails →

You'll leave SwitchWize. Verify terms with the lender. Advertising disclosure

Connexus Credit Union

#8

Connexus Credit Union home-equity

11.80%
APR
HELOC terms pendingDisclosure partially verified
Not ranked — rate eligibility needs verificationVariable ratehome-equity
Check rateDetails →

You'll leave SwitchWize. Verify terms with the lender. Advertising disclosure

Fifth Third Bank

#9

Fifth Third Bank home-equity

11.80%
APR
HELOC terms pendingDisclosure partially verified
Not ranked — rate eligibility needs verificationVariable ratehome-equity
Check rateDetails →

You'll leave SwitchWize. Verify terms with the lender. Advertising disclosure

Figure

#10

Figure home-equity

11.80%
APR
HELOC terms pendingDisclosure partially verified
Not ranked — rate eligibility needs verificationVariable ratehome-equity
Check rateDetails →

You'll leave SwitchWize. Verify terms with the lender. Advertising disclosure

1 / 2
Not sure which is right for you?

Money Map shows your best home equity options.

Start Money Map →

Tools

Run the numbers before you borrow

HELOC Payment Calculator

See your draw-period payment and the jump when it becomes fully amortizing.

HELOC vs. Home Equity Loan

Compare the variable-rate line against a fixed-rate loan for the same amount.

HELOC vs. Cash-Out Refinance

Compare tapping equity with a HELOC against replacing the whole mortgage.

Home Improvement ROI Planner

See the resale value added before borrowing against your equity.

Learn

Guides and explainers

mortgage

HELOC vs Home Equity Loan: How to Pick the Right One

heloc

Figure vs Aven HELOC: Which Fintech Wins in 2026?

heloc

Home Equity Loan vs Personal Loan for Debt Consolidation in 2026

Compare HELOC rates