Current HELOC Rates
Today's HELOC APR from credit unions across the United States, re-verified daily and ranked by true cost — never affiliate revenue.
Developers & AI agents: this data is available as JSON at GET https://api.rateapi.dev/v1/benchmarks?product_type=heloc — free API key in one request (POST https://api.rateapi.dev/keys, email only). MCP server: rateapi.dev/mcp.
The median heloc rate is 6.500% APR as of August 20, 2026, across 921 credit unions. The lowest available rate is 3.500% APR from Healthshare (NC).
Rate Overview
HELOC Rate Summary
Median and lowest APR across 921 credit unions, verified August 20, 2026
| Product | Median APR | Lowest APR | Lowest Institution | Institutions |
|---|---|---|---|---|
| HELOC | 6.500% | 3.500% | Healthshare NC | 921 |
Source: RateAPI credit union benchmarks, measured August 20, 2026. APR includes points and fees where published.
Explore
Go Deeper
- Browse HELOC Rates by state → — per-state HELOC coverage and lender detail.
- RateAPI Credit Union Rate Index → — the dated national median for every major product in one place.
- Methodology → — how RateAPI collects, normalizes, and verifies rate data.
FAQ
Frequently Asked Questions
Current HELOC Rates — FAQ
As of August 20, 2026, the median heloc rate from credit unions is 6.500% APR across 921 credit unions. The lowest available rate is 3.500% APR from Healthshare (NC).
RateAPI re-verifies HELOC rate sheets from credit unions daily. Every figure on this page is dated to the exact timestamp of the data it was computed from.
Credit unions are member-owned, not-for-profit institutions that return earnings to members through lower rates and fewer fees. RateAPI ranks every option by true cost — never by who pays for placement.
Yes. The same data is available from the RateAPI benchmarks REST endpoint (GET /v1/benchmarks) and the RateAPI MCP server for AI agents. A free tier is available with an email-verified API key.
Get HELOC Rate Data via API
Access current HELOC rates from credit unions programmatically. Free tier available. Zero affiliate bias.