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HELOC and home equity loan rates today, Tuesday, August 18, 2026: Besides rates, how to choose between a HELOC or home equity loan

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HELOC and home equity loan rates today, Tuesday, August 18, 2026: Besides rates, how to choose between a HELOC or home equity loan

These are the HELOC and home equity loan rates for Tuesday, August 18, 2026. The average HELOC adjustable rate is 7.16%, a new 2026 low. The national average rate on a fixed-rate home equity loan is 7.35%, up slightly from its 2026 low of 7.31% in late June.