Home equity line of credit rates are a little higher than current credit card rates. See how HELOC rates are trending today.
Current HELOC rates
To give you an idea of typical HELOC interest rates, we gathered rates from some popular HELOC lenders. These rates are accurate as of May 19, 2025.
10-Year HELOC Rates
| Lender | Starting APR (annual percentage rate) — accurate as of 5/19/2025 |
| Citizens Bank | 10.50% |
| BMO | 8.07% |
| PenFed Credit Union | 7.38% |
| TD Bank | 7.69% |
| Fifth Third | 7.50% |
| Flagstar Bank | 6.75% |
| Old National Bank | 7.10% |
| LendingTree | 6.63% |
| Lower | 8.38% |
| Bank of America | 8.21% |
| Patelco Credit Union | 8.00% |
| First Citizens Bank | 5.99% |
| Huntington | 7.99% |
| RBFCU | 7.00% |
20-Year HELOC Rates
| Lender | Starting APR (annual percentage rate) — accurate as of 5/19/2025 |
| BMO | 8.17% |
| U.S. Bank | 7.95% |
| Canvas Credit Union | 7.89% |
| Navy Federal Credit Union | 7.34% |
| Deseret First Credit Union | 7.50% |
| OnPoint Community Credit Union | 7.50% |
| Elevations Credit Union | 7.74% |
| Greater Nevada Mortgage | 8.50% |
| Cross County Savings Bank | 7.63% |
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