No movement in home equity rates, as the Federal Reserve left interest rates unchanged at its first meeting of 2026. The $30,000 home equity line of credit and the five-year$30,000 home equity loan were flat for the week, remaining at 7.44% and 7.92%, respectively, according to Bankrate’s national survey of lenders. As home equity rates hover at a three-year-low, Bankrate’s senior industry analyst Ted Rossman explains why conditions are improving for home equity borrowers. “The current HELOC average, 7 ...