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ยฉ 2026 WealthSpott. Independent reviews, no sponsored rankings.

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CompareLoansHELOC / Home Equity

Best HELOC Rates

Tap your home equity at today's best rates. Compare HELOCs and home equity loans side by side.

Advertiser Disclosure: WealthSpott may earn a commission if you apply through our links. This never influences our rankings or editorial opinions โ€” we evaluate products independently. Learn how we rate products.

ProductAPR RangeLoan AmountTermOrigination FeeRatingActions
Third Federal Savings & Loan logo

Third Federal Savings & Loan

Third Federal Savings & Loan HELOC

6.49%โ€“7.99%

$10kโ€“$200k

120โ€“360 mo

No origination fee; $65/year annual fee

4.6
Review โ†’
Bethpage Federal Credit Union logo

Bethpage Federal Credit Union

Bethpage Federal Credit Union HELOC

6.99%โ€“10.99%

$10kโ€“$1000k

120โ€“240 mo

No closing costs; no annual fee

4.5
Review โ†’
Figure logo

Figure

Figure Home Equity Line

Editor's Choice

7.35%โ€“15.54%

$15kโ€“$400k

60โ€“360 mo

0%โ€“4.99% of draw amount (rolled into balance)

4.8
Review โ†’
PenFed logo

PenFed

PenFed Home Equity Line of Credit

8.00%โ€“18.00%

$25kโ€“$500k

120โ€“240 mo

No closing costs; no annual fee

4.3
Review โ†’
U.S. Bank logo

U.S. Bank

U.S. Bank HELOC

8.20%โ€“12.80%

$15kโ€“$750k

120โ€“360 mo

No origination fee; $90/yr after year 1

4.3
Review โ†’
Bank of America logo

Bank of America

Bank of America HELOC

8.60%โ€“14.40%

$25kโ€“$1000k

120โ€“240 mo

No closing costs; no annual fee

4.1
Review โ†’