Home Equity Loan Rates
March 12, 2026
| Term or Minimum Loan Amount | Rate | APR (Minimum) | APR (Maximum) | Payment | ||
|---|---|---|---|---|---|---|
| Home Equity Line of Credit | ||||||
| LTV Up To 95% | - | 6.99% | 13.74% | - | ||
| Home Equity Loan | ||||||
| 5 Year / $5,000 | 6.99% - 13.49% | 7.32% | 13.85% | $989.82 - $1,150.23 | ||
| 10 Year / $10,000 | 7.24% - 14.74% | 7.42% | 14.95% | $586.75 - $798.73 | ||
| 15 Year / $15,000 | 7.49% - 14.74% | 7.62% | 14.90% | $463.22 - $690.91 | ||
| 20 Year / $25,000 | 7.74% - 15.99% | 7.85% | 16.14% | $410.17 - $695.25 | ||
Home Equity Line of Credit
LTV Up To 95%
Rate -
Apr min 6.99%
Apr max 13.74%
Payment -
Home Equity Loan
5 Year / $5,000
Rate 6.99% - 13.49%
Apr min 7.32%
Apr max 13.85%
Payment $989.82 - $1,150.23
10 Year / $10,000
Rate 7.24% - 14.74%
Apr min 7.42%
Apr max 14.95%
Payment $586.75 - $798.73
15 Year / $15,000
Rate 7.49% - 14.74%
Apr min 7.62%
Apr max 14.90%
Payment $463.22 - $690.91
20 Year / $25,000
Rate 7.74% - 15.99%
Apr min 7.85%
Apr max 16.14%
Payment $410.17 - $695.25
1 Home Equity Line of Credit
The interest rate is variable and based on the Wall Street Journal Prime Rate plus a margin, with a maximum APR of 18.00% and a floor APR of 3.00%. This Home Equity Line of Credit (HELOC) features a 10‑year draw period followed by a 20‑year repayment period, with a minimum loan amount of $5,000. Closing costs range from $399 to $3,645, depending on loan amount, lien position, and appraisal requirements. Borrowers may access up to 95% loan‑to‑value (LTV) or combined loan-to-value (CLTV), subject to collateral and credit qualifications. Collateral is limited to single‑family residences, and property insurance is required. Interest rates may increase after loan consummation. Rates and terms are effective as of the date shown below, and are subject to change without notice. See Rates. Rates effective as of March 12, 2026.VT Home Equity Line of Credit - VT
V = Variable Rates. T = Tiered Rates based on credit qualifications.