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Home/Best Rates/HELOC

HELOC · Updated today

Compare HELOC APRs before you tap your home equity.

Market average APR: 7.12%. Lowest observed APR: 5.99%. We compare 9 HELOC lenders; verify final draw-period, fee, and variable-rate terms before applying.

Current HELOC rates start around 5.99% APR as of October 2026.

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No paid organic rankingAll loan typesNo credit pull

Lowest APR

5.99%

Market average

7.12%

Lenders compared

Part of 150+ institutions tracked sitewide

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

5.99% APR

Average

7.12% APR

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Advertising disclosure: As of September 26, 2026, SwitchWize has no active affiliate or referral agreements and no compensated product links.

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RankingIndependent 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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APR is the yearly cost of borrowing, shown as a percentage.

8 results

My credit:

Showing 8 of 9 heloc

U.S. Bank

U.S. Bank Mortgage

6.20%

APR

Lowest observed APRDisclosure partially verifiedVerify final HELOC terms

Not ranked — rate eligibility needs verificationVariable rateMortgage

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Aven

Aven Mortgage

5.99%

APR

Observed HELOC APRDisclosure partially verifiedVerify final HELOC terms

Not ranked — rate eligibility needs verificationVariable rateMortgage

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Third Federal Savings and Loan

Third Federal Savings and Loan HELOC

6.49%

APR

Observed HELOC APRDisclosure partially verifiedVerify final HELOC terms

Not ranked — rate eligibility needs verificationVariable rateHELOC

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Observed HELOC APRDisclosure partially verifiedVerify final HELOC terms

Third Federal Savings and Loan

Third Federal Savings and Loan HELOC

Observed HELOC APR is available, but final rate, draw period, fees, and variable-rate terms need lender confirmation.

Not ranked — rate eligibility needs verificationVariable rateHELOC

APR

6.49%

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Fifth Third Bank

Fifth Third Bank HELOC

7.00%

APR

HELOC terms pendingDisclosure partially verifiedVerify final HELOC terms

Not ranked — rate eligibility needs verificationVariable rateHELOC

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Alliant Credit Union

Alliant Credit Union HELOC

7.24%

APR

HELOC terms pendingDisclosure partially verifiedVerify final HELOC terms

Not ranked — rate eligibility needs verificationVariable rateHELOC

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HELOC terms pendingDisclosure partially verifiedVerify final HELOC terms

Alliant Credit Union

Alliant Credit Union HELOC

Observed HELOC APR is available, but final rate, draw period, fees, and variable-rate terms need lender confirmation.

Not ranked — rate eligibility needs verificationVariable rateHELOC

APR

7.24%

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Figure

Figure Mortgage

7.35%

APR

HELOC terms pendingDisclosure partially verified

Not ranked — rate eligibility needs verificationVariable rateMortgage

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Flagstar Bank

Flagstar Bank Mortgage

7.49%

APR

HELOC terms pendingDisclosure partially verified

Not ranked — rate eligibility needs verificationVariable rateMortgage

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Bank of America

Bank of America Mortgage

8.53%

APR

HELOC terms pendingDisclosure partially verified

Not ranked — rate eligibility needs verificationVariable rateMortgage

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Current spread: 7.12% national average → 5.99% best tracked rate

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Compare HELOC APRs before you tap your home equity.

HELOC Rate Trends

U.S. Bank Mortgage

Aven Mortgage

Third Federal Savings and Loan HELOC

Fifth Third Bank HELOC

Alliant Credit Union HELOC

Figure Mortgage

Flagstar Bank Mortgage

Bank of America Mortgage

Money Map shows your best home equity options.

Run the numbers before you borrow

HELOC Payment Calculator

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HELOC vs. Cash-Out Refinance

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Guides and explainers

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HELOC on an Investment Property: Rates, Requirements, and When It Makes Sense

PenFed vs Figure HELOC: Credit Union or Fintech in 2026?