What are today's home equity loan and HELOC interest rates: April 14, 2026?
Considering borrowing from your home equity? Here are the home equity loan and HELOC interest rates to know first.
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April 14, 2026 / 11:22 AM EDT / CBS News
A report last week showing inflation surging once again may have been unwelcome, but it wasn't surprising for millions of Americans. While a rate of 3.3% is the highest it's been in years, many Americans have already seen that number translate into higher costs for everyday expenses. And they've been unable to realize any major relief when interest rates on borrowing products like personal loans and credit cards have been in the double digits. Credit card rates , in particular, are averaging over 20% currently, making them one of the least effective ways to borrow money and make ends meet right now.
But homeowners have two viable options at their disposal, both of which come with interest rates materially lower: home equity loans and home equity lines of credit (HELOCs) . Both allow owners to tap into their equity as needed, and with home equity levels in the United States reaching a record high last summer, there's likely plenty of money to utilize. Still, with your home functioning as collateral with either product, it's critical that you're able to afford repayments as here. That begins with understanding where home equity loan and HELOC interest rates stand currently, as of April 14, 2026.
Start by seeing how much home equity you'd be eligible to borrow here .
What are today's home equity loan interest rates?