The rates shown are the current national average So when is a home equity loan the better option, and when is it better to use a heloc? Enter your location details for rates in your area
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Get home equity loan payment estimates with u.s
Bank’s home equity loan & home equity line of credit (heloc) calculator
Check terms and rates today! The national average home equity loan interest rate is 8.02% as of nov 5, 2025, according to bankrate’s latest survey of the nation’s largest home equity lenders. Prefer a variable rate and the flexibility of accessing funds as needed
Our home equity selector assesses what type of home equity loan is right for you. Interest rates and payments are usually fixed Home equity loans are simple products, and their fixed payments and interest rates make budgeting easier However, they are less flexible than helocs
