HELOC and home equity loan rates today, February 18, 2026: Expected to remain mostly unchanged

Rates for home equity lines of credit and home equity loans are near multi-year lows. With the next Federal Reserve meeting still one month away — and further interest rate cuts not likely soon — second mortgage rates are expected to remain mostly unchanged. HELOC and home equity loan rates: Wednesday, February 18, 2026 Today's national average monthly HELOC rate is 7.23%, down just two basis points from one month ago. The average rate on a home equity loan is 7.44%, down 12 basis points from last month, ...