HELOC and home equity loan rates Saturday, January 10, 2026: Compare your best offer to these rates

National average HELOC and lump-sum home equity loan rates have dipped closer to 7%. Second mortgage home equity rates are at their lowest level in years. HELOC and home equity loan rates: Saturday, January 10, 2026 According to Curinos data, the average monthly HELOC rate has fallen to 7.25%, down 19 basis points from one month ago. The national average rate on a home equity loan is 7.56%, down three basis points. Both rates are based on applicants with a minimum credit score of 780 and a maximum comb ...