HELOC and Home Equity Loan Rates on September 11, 2026: Average Rates Reach New Lows
On Friday, September 11, 2026, the average HELOC adjustable rate reached a new low of 7.09%, according to Curinos, while fixed-rate home equity loans averaged 7.42%. These rates apply to borrowers with strong credit scores (minimum FICO score of 780) and conservative loan-to-value ratios (CLTV under 70%). HELOCs are typically variable rate products tied to the prime rate, whereas most home equity loans offer fixed interest rates for predictable payments over time. Borrowers seeking a HELOC or home equity loan must meet specific criteria such as maintaining good credit history, proof of income, and sufficient homeowners insurance. Lenders may also charge origination fees and other closing costs that vary by institution. Experts recommend shopping around to compare offers from multiple lenders in order to secure the most favorable terms. The rates are influenced by broader economic conditions and Federal Reserve policy but remain relatively stable for fixed-rate products despite ongoing market fluctuations.
Topics: HELOC home equity loan interest rates lending