HELOC and home equity loan rates Saturday, February 21, 2026: Introductory rates tumble (as low as 1.99% to 3.99%)

HELOC and home equity loan rates are low, but line of credit introductory rates are really impressive. It's easy to find limited time offers near and below 5%, but a handful of lenders are advertising 3.99% — and even 1.99% for 12 months. Rate shopping can be fun when you discover rates like that. HELOC and home equity loan rates: Saturday, February 21, 2026 The average HELOC adjustable rate is 7.23%, according to real estate data firm Curinos. The national average fixed rate on a home equity loan is 7.4 ...