{"id":66053,"date":"2026-02-18T18:51:11","date_gmt":"2026-02-18T18:51:11","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/what-are-todays-heloc-and-home-equity-loan-interest-rates-february-18-2026\/"},"modified":"2026-02-18T18:51:11","modified_gmt":"2026-02-18T18:51:11","slug":"what-are-todays-heloc-and-home-equity-loan-interest-rates-february-18-2026","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/what-are-todays-heloc-and-home-equity-loan-interest-rates-february-18-2026\/","title":{"rendered":"What are today&#8217;s HELOC and home equity loan interest rates: February 18, 2026?"},"content":{"rendered":"<p> <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<\/p>\n<div id=\"\">\n<figure class=\"embed embed--type-image is-image embed--float-none embed--size-medium\">\n<p>      <span class=\"img embed__content\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2026\/02\/18\/d21447a1-5919-48a1-918e-e25182c0a658\/thumbnail\/620x413\/55efd90d31494dc03996c187000174f0\/gettyimages-2249713077.jpg#\" alt=\"gettyimages-2249713077.jpg \" height=\"413\" width=\"620\" class=\" lazyload\" srcset=\"https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2026\/02\/18\/d21447a1-5919-48a1-918e-e25182c0a658\/thumbnail\/620x413\/55efd90d31494dc03996c187000174f0\/gettyimages-2249713077.jpg 1x, https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2026\/02\/18\/d21447a1-5919-48a1-918e-e25182c0a658\/thumbnail\/1240x826\/d882fcc100a6354a95e8e906df413f9c\/gettyimages-2249713077.jpg 2x\" loading=\"lazy\"\/><\/span><figcaption class=\"embed__caption-container\">\n<p>                  <span class=\"embed__caption\">Today&#8217;s home equity borrowing interest rates are considerably lower than they were in recent years.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                sakchai vongsasiripat\/Getty Images<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>There are few cost-effective ways to borrow money in today&#8217;s economy. Personal loans, long a reliable way to help make ends meet, now come with <a href=\"https:\/\/www.bankrate.com\/loans\/personal-loans\/average-personal-loan-rates\/\" target=\"_blank\" rel=\"nofollow noopener\">interest rates over 12%<\/a> on average and possibly higher for those without good credit. <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/is-a-29-99-apr-high-for-a-credit-card\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Credit card interest rates<\/a><\/span>, meanwhile, are comfortably over 20%, near a record high, and are <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/why-borrowers-shouldnt-wait-for-rate-cuts-to-fix-their-debt\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">unlikely to decline at any point soon<\/a><\/span>. Neither, then, provides an affordable way to borrow money now, especially if you need a large, five-figure amount.<\/p>\n<p>Homeowners, however, have two cost-effective options worth exploring right now: <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-a-heloc\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity lines of credit (HELOCs)<\/a><\/span> and <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-a-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity loans<\/a><\/span>. <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/home-equity-levels-hit-new-high-how-to-borrow-yours-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Home equity levels in 2025<\/a><\/span> reached a record high, giving the average homeowner hundreds of thousands of dollars to leverage. And interest rates on both products are comfortably under 10% now, making either much cheaper than a personal loan or a credit card. If used for eligible home repair projects, the interest paid on either may also be <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/is-home-equity-loan-tax-deductible\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">tax-deductible<\/a><\/span>. In other words, HELOCs and home equity loans offer homeowners two of the most affordable ways to borrow now (and may continue to in the future).\u00a0<\/p>\n<p>Before getting started, however, it helps to know what the interest rates are for both products. Below, we&#8217;ll detail what to know right now.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/z1e2fcbcd656?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Ftodays-heloc-and-home-equity-loan-interest-rates-february-18-2026\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">See how much home equity you could borrow with a HELOC or loan online now<\/a>.<\/p>\n<h2><strong>What are today&#8217;s HELOC interest rates?<\/strong><\/h2>\n<p>The average HELOC interest rate is 7.24% as of February 18, 2026, according to <a href=\"https:\/\/money.com\/current-mortgage-rates\/\" target=\"_blank\" rel=\"nofollow noopener\">Money<\/a>. If borrowers shop around online now, however, they may be able to find even lower rates. That said, it&#8217;s important to note that <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-to-decide-fixed-or-variable-rate-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">HELOC interest rates are variable<\/a><\/span>, meaning that they will change monthly for borrowers based on market conditions.\u00a0<\/p>\n<p>But while that may have been a significant drawback in the rising interest rate environment of recent years, it could be a positive feature now that interest rates are declining again. And with online marketplaces listing rates, lenders, terms and more in all one location, it may be easier than ever to compare your HELOC options now.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/z1e2fcbcd656?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Ftodays-heloc-and-home-equity-loan-interest-rates-february-18-2026\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">See how low your current HELOC rate offers are here<\/a>.<\/p>\n<h2><strong>What are today&#8217;s home equity loan interest rates?<\/strong><\/h2>\n<p>The average home equity loan interest rate is 6.96% as of February 18, 2026, according to <a href=\"https:\/\/money.com\/current-mortgage-rates\/\" target=\"_blank\" rel=\"nofollow noopener\">Money<\/a>. That makes a home equity loan not only your <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/whats-cheapest-way-get-equity-out-of-home-may-2025\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">cheapest way to borrow home equity<\/a><\/span> right now but also one of the least expensive ways to borrow money overall. Unlike a HELOC, this rate is fixed, meaning that borrowers won&#8217;t need to worry about any adverse changes that could cause their rate and payment to rise again.\u00a0<\/p>\n<p>Still, home equity loan borrowers won&#8217;t be able to exploit today&#8217;s cooling rate climate the way they would with a HELOC, either, as they&#8217;ll need to <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/why-refinancing-home-equity-loan-makes-sense-april-2025\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">refinance<\/a><\/span> their loan (and pay <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-much-does-it-cost-to-refinance-a-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">refinancing closing costs<\/a><\/span>) to lock in a lower rate in the future. Carefully consider both options, then, and look beyond today&#8217;s rates to best determine which product makes the most sense for you now and in the future.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>The average HELOC interest rate is 7.24% as of February 18, 2026, while the median home equity loan interest rate stands at just 6.96%. With these being averages, however, and rates changing based on repayment terms, you may be able to secure more competitive rates by shopping around online now. Just remember, no matter which product you choose, to only borrow an amount that you can easily afford to repay. With your <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/can-you-lose-your-home-with-a-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home serving as collateral<\/a><\/span>\u00a0in these exchanges, you must be able to make payments as agreed to in order to avoid foreclosure risks.<\/p>\n<section class=\"content__body--footer\">\n<p class=\"content__meta--editors\">\n      Edited by<\/p>\n<p>                                  <a href=\"https:\/\/www.cbsnews.com\/team\/angelica-leicht\/\" class=\"byline__author__link\" data-invalid-url-rewritten-http=\"\">Angelica  Leicht<\/a>\n                      <\/p>\n<\/section>\n<section class=\"content__body--footer\">\n      <!-- tags --><br \/>\n    <\/section>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<br \/><a href=\"https:\/\/www.cbsnews.com\/news\/todays-heloc-and-home-equity-loan-interest-rates-february-18-2026\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Today&#8217;s home equity borrowing interest rates are considerably lower than they were in recent years. sakchai vongsasiripat\/Getty Images There are<\/p>\n","protected":false},"author":1,"featured_media":66054,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-66053","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What are today&#039;s HELOC and home equity loan interest rates: February 18, 2026? - World News<\/title>\n<meta name=\"description\" content=\"Want to borrow equity with a HELOC or home equity loan now? 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