HELOC and home equity loan rates today, March 3, 2026: Holding at three-year lows

National average rates for home equity lines of credit and home equity loans are holding at three-year lows. Rather than the hour-by-hour movement of primary mortgage rates, second-mortgage interest rates are much more docile. Lenders don't reprice as frequently, so it's much easier to compare competing providers. HELOC and home equity loan rates Tuesday, March 3, 2026 According to real estate analytics firm Curinos, the average monthly HELOC rate is 7.23%. The national average rate on a home equity loan is ...