HELOC and home equity loan rates Sunday, February 15, 2026: How to get your best rate offer

Interest rates on home equity lines of credit (HELOCs) and home equity loans are hovering near one-year lows. You will have the best opportunity for a below-market interest rate offer if you take our averages below and shop a few lenders. With good credit and ample home equity, you may earn a better-than-average rate. HELOC and home equity loan rates: Sunday, February 15, 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 avera ...