What are today's home equity loan and HELOC interest rates: April 14, 2026?

MoneyWatch: Managing Your Money What are today's home equity loan and HELOC interest rates: April 14, 2026? We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. .chip { background-image: url('/fly/bundles/cbsnewscore/images/chip-bgd/chip-bgd-moneywatch.jpg'); } By Matt Richardson Matt Richardson Sr. Managing Editor, Managing Your Money Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance. Read Full Bio Matt Richardson April 14, 2026 / 11:22 AM EDT / CBS News Add CBS News on Google The average homeowner is sitting on a sizable amount of equity from which they can borrow from now. sinenkiy/Sinenkiy/Getty Images 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...