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A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.
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Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.
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Bankrate “top offers” represent the average of the top CD offers from the institutions we track, featured on Bankrate as of November 11, 2025.
“National average” is determined by Bankrate's comprehensive national survey of savings accounts and CDs.
Bankrate “top offers” represent the average of the top savings account offers from the institutions we track, featured on Bankrate as of November 11, 2025.
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