U.S. Bank HELOC
Best Big BankUS Bank
4.3
8.20%–12.80% APR$15,000–$750,000Fee: No origination fee; $90/yr after year 1Min credit: 660+
APR Range
8.20%–12.80%
Loan Amount
$15,000–$750,000
Term
120–360 mo
Origination Fee
No origination fee; $90/yr after year 1
Our take
Stands out for a generous $750k maximum and a 0.5% rate discount for customers who autopay from a U.S. Bank account. No origination fee and competitive closing costs. Annual fee of $90 kicks in after year one but can be waived. Best for high-value properties and existing U.S. Bank customers.
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Full details
| Minimum loan amount | $15,000 |
| Maximum loan amount | $750,000 |
| Lowest APR | 8.20% |
| Highest APR | 12.80% |
| Shortest term | 120 months |
| Longest term | 360 months |
| Origination fee | No origination fee; $90/yr after year 1 |
| Minimum credit score | 660+ |
| Funding speed | 2–4 weeks |
Frequently asked questions
What is the APR range for U.S. Bank HELOC?
U.S. Bank HELOC offers APR from 8.20% to 12.80%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with U.S. Bank HELOC?
Loan amounts range from $15,000 to $750,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for U.S. Bank HELOC?
A minimum credit score of 660 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does U.S. Bank HELOC charge an origination fee?
Yes, U.S. Bank HELOC charges an origination fee of No origination fee; $90/yr after year 1. This is deducted from your loan proceeds before disbursement.
How fast can I get funded with U.S. Bank HELOC?
U.S. Bank HELOC typically funds loans within 2–4 weeks. Actual funding time may vary based on verification requirements and your bank.
Is U.S. Bank HELOC worth it?
Stands out for a generous $750k maximum and a 0.5% rate discount for customers who autopay from a U.S. Bank account. No origination fee and competitive closing costs. Annual fee of $90 kicks in after year one but can be waived. Best for high-value properties and existing U.S. Bank customers.
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Verified Mar 2026
U.S. Bank HELOC