HELOC Rates Drop to 3-Year Low
Update: 2025-12-20
Description
Homeowners can now access record-low HELOC rates, with the national average dropping to 7.44%. With $36 trillion in home equity, many are tapping into this for renovations, debt consolidation, or even vacations. Lenders offer aggressive introductory rates, like FourLeaf Credit Unions 5.99% APR for the first year. However, rates can vary widely, so shop around and consider the flexibility and interest-only payment structure of HELOCs.
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