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Compare Home Equity Rates - October 2026

ESTIMATE

Excellent credit

Always on time

Estimated HELOC range for excellent credit

  • Not an offer - see your real quote from a licensed lender

Est. APR (variable)

6.50-7.75%*

≈$542-$646/mo on $100K

#1
FourLeaf Federal Credit Union

RateZip network lender

  • Request a quote in about a minute

Personalized rate

Quoted per borrower

ESTIMATE

Good credit

Generally on time

Estimated HELOC range for good credit

  • Not an offer - see your real quote from a licensed lender

Est. APR (variable)

7.25-8.50%*

≈$604-$708/mo on $100K

#2
LoanDepot

RateZip network lender

★ 3.3/5 editorial review

Home equity quotes priced per borrower

  • No standing advertised rate - this lender prices each application individually
  • Request a quote in about a minute

Personalized rate

Quoted per borrower

ESTIMATE

Below average credit

Significant credit issues

Estimated HELOC range for below average credit

  • Not an offer - see your real quote from a licensed lender

Est. APR (variable)

9.00-11.50%*

≈$750-$958/mo on $100K

#3
New American Funding

RateZip network lender

★ 5/5 editorial review

Home equity quotes priced per borrower

  • No standing advertised rate - this lender prices each application individually
  • Request a quote in about a minute

Personalized rate

Quoted per borrower

#4

West Capital Lending

RateZip network lender

Home equity quotes priced per borrower

  • No standing advertised rate - this lender prices each application individually
  • Request a quote in about a minute

Personalized rate

Quoted per borrower

Lenders shown are members of the RateZip network and do not advertise standing rates on this page - every rate figure here is a RateZip estimate, not any lender's offer. Selecting a lender or a rate sends your request to our matching engine - your confirmed match is shown on the final screen and may be a different licensed lender. *Estimated APR ranges are RateZip estimates, not offers, quotes or commitments to lend from any lender. Each range is computed as the U.S. Prime Rate (7.00% as of October 1, 2026, per FRED) plus typical lender margins for the stated credit profile, and assumes a variable-rate HELOC on an owner-occupied home at or below 70% combined loan-to-value (profiles above that are routed to debt-consolidation options instead). HELOC rates are variable and adjust with Prime. Estimated monthly figures are interest-only on the selected draw amount and exclude fees. Your actual rate, terms and approval depend on your credit, income, equity, property and lender. Fixed-rate home equity loans are also available from network lenders - pick any option and choose your product with the lender.

The listings featured on this page are from lenders from which this site receives compensation.Advertising Disclosure

How HELOC rates are set

Nearly every HELOC in the U.S. prices off the same benchmark: the Wall Street Journal Prime Rate. Lenders quote your line as Prime plus or minus a margin, and that margin - not the benchmark - is where your rate is actually decided. Three inputs move it most: your credit band, how much equity stays in the home after the line (combined loan-to-value), and the size of the line itself.

That is why the table above is organized by credit band rather than by lender slogan. The band rows show the margin range we observe for borrowers at 70% combined loan-to-value or below; the lender rows, where present, are rates those lenders publish. Your exact quote can land inside, or occasionally outside, the band - underwriting sees your full file, this page does not.

Reading the table like a rate shopper

Common questions

How are the rates on this page calculated?

The credit-band rows are estimates anchored to the Wall Street Journal Prime Rate plus a margin range we observe for each credit band, assuming a combined loan-to-value of 70% or less. They are not offers. Lender-posted rows, where shown, are rates those lenders publish publicly.

Will checking rates here affect my credit?

Reading this page involves no credit check. If you ask for your exact rate, we match you with a lender who will verify your details - any credit check that lender performs is disclosed to you by that lender before it happens.

What is the difference between a HELOC and a home equity loan?

A HELOC is a revolving line of credit with a variable rate that moves with Prime - you draw what you need during the draw period and pay interest on what you use. A home equity loan is a one-time lump sum at a fixed rate with fixed monthly payments. The table on this page focuses on HELOC pricing; matched lenders can quote both.

Why does the Prime Rate matter for HELOC pricing?

Most HELOCs price as Prime plus or minus a margin set by the lender based on your credit, equity, and the line size. When the Federal Reserve moves short-term rates, Prime typically follows, and variable HELOC rates adjust with it.

How much can I borrow against my home?

Most lenders in our network lend up to roughly 80% of your home’s value combined across your existing mortgage and the new line. For example, on a $400,000 home with a $250,000 balance, 80% combined is $320,000, leaving about $70,000 of borrowable equity.

What credit do I need?

Stronger credit generally earns a smaller margin over Prime, which is why the table is organized by credit band. You can request a home-equity quote with fair or poor credit. Lender availability, eligibility, and terms depend on your full application, property, and location; approval is not guaranteed.

Are these rates guaranteed?

No. Estimate rows are ranges, not offers, and your exact rate depends on your credit, income, property, and the lender’s underwriting. The only rate that counts is the one a lender quotes you after reviewing your details.

How often is this page updated?

The Prime Rate feeding the estimates is refreshed on our daily build from Federal Reserve (FRED) data, and lender-posted rates are re-checked daily. The exact as-of date for the Prime series is in the footer disclaimer.