HELOC and home equity loan rates today, Tuesday, June 30, 2026: Besides interest

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If you're not willing or able to move to a new home or refinance to a new loan to take advantage of the equity you have built up in your home, you should consider a home equity loan or a home equity line of credit. But, besides interest rates, how do you choose between a HELOC or a HEL?

According to real estate analytics firm Curinos, the average adjustable-rate HELOC is 7.25%. The 2026 HELOC low was 7.19% in mid-May. The national average rate on a fixed-rate home equity loan is 7.86%, up appreciably from last month, and far from its 2026 low of 7.36% we observed in mid-March and in much of May.

Rates are based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio (CLTV) of less than 70%.

Choosing between a HELOC and a home equity loan is easy when you consider what you're using it for. A HELOC allows you to draw cash from your approved line of credit, pay it off, then tap it again. A home equity loan gives you a lump sum.

Learn the differences between a HELOC and a home equit

Fuente original: Yahoo Finance (https://finance.yahoo.com/personal-finance/mortgages/article/heloc-and-home-equity-loan-rates-today-tuesday-june-30-2026-besides-interest-rates-how-do-you-choose-between-a-heloc-or-hel-100000687.html)