HELOC and home equity loan rates Monday, March 23, 2026: Do you want a fixed or adjustable-rate?

Do you want a lump sum from your home’s equity, or a line of credit where you tap the cash value as you need it? A fixed interest rate, or an adjustable-rate? The best home equity lenders will explain all the options embedded in home equity lines of credit or home equity loans. HELOC and home equity loan rates: Monday, March 23, 2026 The average HELOC adjustable rate is 7.20%, according to real estate data analytics company Curinos. The national average fixed rate on a home equity loan is 7.47%. Both ra ...