The average HELOC interest rate by loan type, credit score, and state
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The average interest rate on a HELOC, or home equity line of credit, is 4.32% for a $50,000 loan with an 80% loan-to-value ratio as of June 18, 2020 according to data from S&P Global.

But, your credit score, where you live, and the loan-to-value ratio of the HELOC loan could also affect your interest rate. 

While rates are low right now, it's important to remember they may not always stay that way over the many years you'll have your loan.

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