HELOC and home equity loan rates Saturday, February 14, 2026: Clinging near 1-year lows

HELOC and home equity loan rates are clinging near one-year lows. Use our national average second mortgage rates to shop lenders for your best HELOC or HEL offer. HELOC and home equity loan rates: Saturday, February 14, 2026 The average HELOC rate is 7.23%, according to real estate data firm Curinos. The 52-week HELOC low was 7.19%. The national average rate on a home equity loan is 7.44%. The low over the last 12 months was 7.38% in early December 2025. Rates are based on applicants with a minimum cred ...