A slight drop in HELOC rates for the week, as the Federal Reserve left interest rates unchanged at its second meeting of 2026. The $30,000 home equity line dipped one basis point to 7.17%, the lowest it’s been in three-plus years, according to Bankrate’s national survey of lenders. Meanwhile, the five-year $30,000 home equity loan jumped one basis point to 7.85%. If you’re watching the rates and trying to decide between a HELOC and a home equity loan, while timing is key, there is no guarantee that rates ...