HELOC and home equity loan rates Saturday, February 28, 2026: Low home equity rates enhances borrowing power

HELOC and home equity loan rates are the lowest in years, and that means your borrowing power is even greater. Whether you're looking to tackle some home improvements or reduce high-interest debt, a second mortgage is even more appealing at such low borrowing costs. HELOC and home equity loan rates: Saturday, February 28, 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 7.44%. Rates are based on applicant ...