HELOC Rates Today
HELOC rates stand at 6.75% in the latest published reading of September 15, 2026, according to Federal Reserve Board (H.15), via FRED. HELOC rates today tracked through the bank prime loan rate they are priced from, with the 12-month range and how the draw and repayment periods change what you pay.
Bank prime loan rate
6.75%
Federal Reserve Board (H.15), via FRED, observation of September 15, 2026.
- One month ago
- 6.75%
- One year ago
- 7.50%
- 12-month high
- 7.50%
- 12-month low
- 6.75%
| Series | Now | Observed | 1 month ago | 1 year ago | 12-month change | 12-month range |
|---|---|---|---|---|---|---|
| Bank prime loan rate | 6.75% | 6.75% | 7.50% | -0.75 pts | 6.75% – 7.50% | |
| 30-year fixed | 6.76% | 6.67% | 6.35% | +0.41 pts | 5.98% – 6.76% | |
| Federal funds rate | 3.63% | 3.63% | 4.33% | -0.70 pts | 3.63% – 4.33% |
Sources: Federal Reserve Board (H.15), via FRED; Freddie Mac Primary Mortgage Market Survey via FRED; Federal Reserve via FRED.
What moves HELOC rates
- The prime rate. Almost every HELOC is quoted as prime plus or minus a margin, so the variable part of your rate moves when prime moves.
- Prime itself moves with the federal funds target, normally within a day of a Fed decision.
- Your margin, set at origination from credit score and combined loan-to-value. It does not change afterwards; the index underneath it does.
- Introductory offers. A fixed teaser rate for six or twelve months reverts to prime plus margin, which is the number that matters.
We publish what has been observed and who published it. We do not forecast where this rate goes next.
Compare HELOC lines on margin, not on the teaser
The number that matters is prime plus your margin after the intro period, plus annual fees. Get quotes that show all three.
Compare HELOC offersEditorial disclosure — Some companies listed here are commercial brands. We select them editorially from public regulatory data and are never paid for placement or ranking. Read our full disclosure.
Frequently asked questions
What index are HELOC rates based on?
The bank prime loan rate published by the Federal Reserve in the H.15 release, shown at the top of this page with its observation date. Lenders add a margin to it.
Can my HELOC rate rise after I draw?
Yes. A HELOC is a variable-rate line in almost all cases. If prime rises, your rate and minimum payment rise with it, subject to the lifetime cap in your agreement.