HELOC Rates Today: Low Introductory Rates Offered by Lenders

HELOC rates today are steady, with introductory rates varying widely from 3.99% to 6.75%. After the introductory period, rates become adjustable and may be substantially higher. Homeowners can access their home equity with a HELOC, keeping their primary mortgage, and can use the funds as needed. Lenders determine HELOC rates based on an index rate plus a margin, and rates can vary depending on credit score, debt, and credit line amount.

Home equity line of credit (HELOC) rates in 2025 remain steady, with introductory offers varying widely from 3.99% to 6.75%. After the introductory period, rates become adjustable and can significantly increase. Homeowners can access their home equity with a HELOC while keeping their primary mortgage, using the funds as needed. Lenders determine HELOC rates based on an index rate plus a margin, with rates varying depending on credit score, debt, and credit line amount [1].

Connexus Credit Union, for example, offers APRs starting at 8.17% for loan amounts between $5,000 and $200,000, with a minimum credit score of 640. Citizens Bank provides HELOCs starting at 7.5% with loan amounts from $17,500 to $400,000, and Fifth Third Bank offers rates starting at 7.5% for loan amounts up to $500,000 [1].

Alliant Credit Union stands out with an introductory rate as low as 3.99%, although this rate is limited and not publicly disclosed for all loan amounts [1]. Fifth Third Bank offers a unique rate-lock option, allowing customers to lock in rates on up to three accounts for a $95 fee, providing flexibility in a volatile rate environment [1].

Homeowners should carefully consider their financial situation and compare rates from multiple lenders to find the best HELOC offer tailored to their needs. It is essential to understand the terms and conditions, including the adjustable rate period and any associated fees, before applying.

References:
[1] https://www.forbes.com/advisor/home-equity/best-heloc-rates/