Market dataHigh-yield savings up to 4.20% APY · 30-yr mortgage 6.72% APRIndependent rankingsNo paid organic rankingslast successful update 3h ago

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HELOC · Updated today

Compare HELOC APRs before you tap your home equity.

Market average APR: 11.80%. Lowest observed APR: 6.62%. We compare 14 HELOC lenders; verify final draw-period, fee, and variable-rate terms before applying.

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No paid organic rankingAll loan typesNo credit pull

Lowest APR

6.62%

Market average

11.80%

Lenders compared

14

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

6.62% APR

Average

11.80% APR

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MethodologyIndependent rankings. Sponsored offers labeled. Terms verified regularly.Ranked by true cost: Current APR, draw period, repayment period, closing costs, lender fees, and lender trust.

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14 results

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Showing 14 of 14 heloc

SoFi

#1

SoFi HELOC

6.62%

APR

Lowest observed APRDisclosure partially verifiedVerify final HELOC terms

Variable rateHELOC

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PNC Bank

#2

PNC Bank home-equity

11.80%

APR

Observed HELOC APRDisclosure partially verifiedVerify final HELOC terms

Variable ratehome-equity

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Bank of America

#3

Bank of America home-equity

11.80%

APR

Observed HELOC APRDisclosure partially verifiedVerify final HELOC terms

Variable ratehome-equity

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KeyBank

#4

KeyBank HELOC

11.80%

APR

HELOC terms pendingDisclosure partially verifiedVerify final HELOC terms

Variable rateHELOC

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KeyBank

#5

KeyBank home-equity

11.80%

APR

HELOC terms pendingDisclosure partially verifiedVerify final HELOC terms

Variable ratehome-equity

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Fifth Third Bank

#6

Fifth Third Bank home-equity

11.80%

APR

HELOC terms pendingDisclosure partially verified

Variable ratehome-equity

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Figure

#7

Figure home-equity

11.80%

APR

HELOC terms pendingDisclosure partially verified

Variable ratehome-equity

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Third Federal Savings and Loan

#8

Third Federal Savings and Loan home-equity

11.80%

APR

HELOC terms pendingDisclosure partially verified

Variable ratehome-equity

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Spring EQ

#9

Spring EQ home-equity

11.80%

APR

HELOC terms pendingDisclosure partially verified

Variable ratehome-equity

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BMO

#10

BMO HELOC

11.80%

APR

HELOC terms pendingDisclosure partially verified

Variable rateHELOC

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