Home RatesHELOC Rates

No weekly change

HELOC Rate Trends

Track HELOC APR movement and see how prime-rate changes can flow into variable home-equity borrowing.

Best HELOC APR

8.20% APR

Benchmark average

8.95% APR

User opportunity

25 bps can matter on large balances

Historical archive

HELOC Rates over time

No weekly change

Jun 23

20.00%

Jun 24

20.00%

Jun 25

20.00%

What changed

Rates are holding steady, which makes comparison discipline more important than timing.

Why it matters

What would tapping home equity actually cost?

What to do next

Estimate payments before comparing HELOC terms.

How we track this rateShow

SourceSwitchWize Rate Scout (Bankrate), updated daily

MethodBest HELOC APR sourced from SwitchWize Rate Scout daily scrape. Most HELOCs are variable-rate, tracking the prime rate (Fed Funds + 3%). Shown rate may be an introductory offer; check the fully-indexed rate before borrowing.

Verified existing coverage

Use what SwitchWize already has

6 links

GuideHELOC vs Home Equity Loan: How to Pick the Right OneHELOC vs home equity loan compared: fixed vs variable rates, draw flexibility, closing costs, and a clear decision framework to match the right product to your goal.GuideBest Mortgage Rates: Compare Lenders and Save ThousandsCompare the best mortgage rates 2026 from top lenders. See live rates, dollar-impact examples, and step-by-step tips to lock in the lowest APR for your home.GuideConventional vs FHA vs VA Loan: Which Mortgage Fits You?Compare conventional vs FHA vs VA loan options side by side. See rates, costs, insurance rules, and a decision framework to find your best mortgage path.GuideDown Payment: How Much Do You Really Need to Buy?A complete guide to down payment 2026 requirements by loan type, with cost comparisons, PMI breakdowns, and a framework to pick the right amount for you.CalculatorHELOC Payment CalculatorCalculate your draw-period interest-only payment, the jump to fully amortizing repayment, and how a 2-point rate rise changes both. See the payment shock before you commit.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.

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Product rate

Personal Loans

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7.49% APR

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Benchmark

Fed Funds

No weekly change

3.63%

Fed funds midpoint

Track the Fed policy rate and how it can affect savings APYs, CD rates, mortgage rates, and credit card APRs.

Product rate

Mortgage Rates

-7bps this week

6.72%

Average 30-year fixed

Follow 30-year mortgage rate movement, rate-lock context, and the monthly payment impact of small APR changes.

Benchmark

Prime Rate

No weekly change

6.63%

Prime rate

Track the benchmark that influences many HELOCs, credit cards, and variable-rate loans.