Best HELOC Rates Of February 2025

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.menu-toggle{margin-left:16px}#custom-header-wrapper .menu-toggle .menu-toggle-wrap:hover{background-color:#383838;border-radius:50%}#custom-header-wrapper .menu-toggle .menu-toggle-wrap svg{height:24px;width:24px}}#custom-header-wrapper .header__nav{background:#171717;height:100vh;height:calc(var(--vh, 1vh)*100);left:-304px;transition:left .3s ease-in-out;width:100%;width:304px}@media (min-width:1024px){#custom-header-wrapper .header__nav{left:-280px;width:280px}}#custom-header-wrapper .header__nav.active{left:0}#custom-header-wrapper .header__nav .wp-menu{-webkit-overflow-scrolling:touch;-ms-overflow-style:none;border-top:1px inset hsla(0,0%,100%,.8);max-height:calc(100vh - 90px);overflow:scroll!important;padding:5px 0 190px;scrollbar-width:none}#custom-header-wrapper .header__nav .wp-menu::-webkit-scrollbar{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap>a{cursor:pointer;font-family:Work Sans,sans-serif;font-size:16px;font-weight:400;line-height:24px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap::-webkit-scrollbar,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu::-webkit-scrollbar{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{-ms-overflow-style:none;scrollbar-width:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{background-color:#171717;border:none;border-top:1px inset hsla(0,0%,100%,.8);display:none;height:100vh;height:calc(var(--vh, 1vh)*100);left:100%;margin:0;max-height:100vh;max-height:calc(var(--vh, 1vh)*100);overflow:auto;padding:0;position:absolute;transition:all .5s;visibility:visible}@media (min-width:500px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{max-height:calc(100vh - 48px);max-height:calc(var(--vh, 1vh)*100 - 48px)}}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{border-top:none;display:block;right:-280px;top:0;transition:none;visibility:hidden;width:280px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap.mobile-active{border-left:none;display:block;left:0;right:0;top:0;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn{align-items:center;color:#fcfcfc;display:block;display:flex;font-family:Work Sans,sans-serif;font-size:16px;font-weight:700;padding:20px 0 13px 10px}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn{display:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn .back-arrow{fill:#fff;margin-right:8px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn .back-text{font-size:18px;font-weight:400;line-height:24px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{display:block;max-height:calc(100% - 70px);max-width:none;overflow:auto}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{max-height:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link a{align-items:center;background:#171717;color:#bbb;cursor:pointer;display:flex;font-family:Work Sans,sans-serif;font-size:16px;font-weight:600;line-height:22px;padding:13px 0 18px 16px;position:relative}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link.is-touch{display:block}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu 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.chevron-arrow,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .title-text .chevron-arrow{margin-left:12px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .no-child-menu{border-right:0;display:inline-block;padding:9px 10px 9px 16px;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .no-child-menu:hover{background-color:hsla(0,0%,100%,.039);text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .paid-link-text{color:#bbb;display:inline;font-family:Work Sans,sans-serif;font-size:12px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper{align-items:center;display:flex;justify-content:space-between;padding:9px 12px 9px 16px;position:relative}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper:hover{background-color:hsla(0,0%,100%,.039)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper:hover .title-text{text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title{cursor:pointer}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .chevron-arrow{border-left:1px solid #333;display:inline-block;padding:13px 16px 12px 21px;position:relative}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .chevron-arrow:after{border:solid #fcfcfc;border-width:0 3px 3px 0;content:"";display:inline-block;margin-left:auto;padding:3px;position:absolute;right:12px;top:9px;transform:rotate(45deg);-webkit-transform:rotate(45deg)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .chevron-arrow:after{top:11px;transform:rotate(-135deg);-webkit-transform:rotate(-135deg)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu .title-wrap{background:#171717;display:block;font-family:Work Sans,sans-serif;font-size:12px;font-weight:400;line-height:16px;padding:12px 9px 12px 40px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu .title-wrap:hover{background-color:hsla(0,0%,100%,.039);text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a{cursor:pointer;display:inline-block;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a:hover{text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-static-list{cursor:revert;padding:12px 8px 12px 14px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list{padding:12px 8px 12px 16px}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list:hover{background-color:hsla(0,0%,100%,.078)}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap{align-items:center;display:flex;justify-content:space-between}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-text{width:92%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-icon{cursor:pointer}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap{padding:12px 16px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-text{height:25.5px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-text.first-link{height:24px}}@media (min-width:1440px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap{padding:12px 16px 12px 24px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap>a{align-items:center;color:#fcfcfc;display:flex;font-family:Work Sans,sans-serif;font-size:18px;font-weight:400;justify-content:space-between;letter-spacing:-.2px;line-height:24px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .link-icon{fill:#fff;height:24px;width:24px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .icon-hidden{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .menu-tab{align-items:center;display:flex;justify-content:space-between}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .sub-menu .sub-menu-item:last-child{margin-bottom:190px}@media screen and (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .sub-menu .sub-menu-item:last-child{margin-bottom:50px}}#custom-header-wrapper .header__nav .wp-menu .news-letter-wrap{margin:5px 0 5px 16px}@media screen and (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .news-letter-subscribe{maring:0;display:none}}#custom-header-wrapper .header__nav .wp-menu .static-links{color:#fcfcfc;cursor:pointer;display:inline-block;font-family:Work Sans,sans-serif;font-size:10px;font-weight:400;letter-spacing:-.2px;line-height:12px;width:100%}#custom-header-wrapper .header__nav .wp-menu .static-links.forbes-text{cursor:revert}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu{border-top:none;padding:18px 0 0}#custom-header-wrapper .header__nav .wp-menu .news-letter-wrap{margin:0}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list{padding:0}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-static-list{height:36px;line-height:10px;padding-right:14px}#custom-header-wrapper .header__nav .wp-menu .sub-menu{margin-top:5px;padding:16px 0 11px}#custom-header-wrapper .header__nav .wp-menu .sub-menu .sub-menu-1{margin-top:-16px}}#custom-header-wrapper .search_icon{align-items:center;display:inline-flex;height:100%;padding:0 16px;position:absolute;right:0;width:auto}#custom-header-wrapper .search_icon_svg{cursor:pointer;height:24px;padding-left:16px;position:relative}#custom-header-wrapper .search_icon_svg svg{height:24px;width:24px}#custom-header-wrapper .search_icon_svg .sparkels-icon{height:18px;position:absolute;right:-6px;top:-6px;width:18px}@media screen and (min-width:768px){#custom-header-wrapper .search_icon_svg .sparkels-icon{right:2px;top:2px}}#custom-header-wrapper .subscribe-button{align-items:center;background:#dc0000;border-radius:5px;color:#fff;cursor:pointer;display:flex;font-family:Work Sans,sans-serif;font-size:12px;font-weight:600;height:32px;justify-content:center;letter-spacing:-.2px;line-height:0px;min-width:90px;padding-top:1px}#custom-header-wrapper .subscribe-button:hover{background-color:#c20000}@media screen and (min-width:768px){#custom-header-wrapper .search_icon{padding:0 16px 0 24px}#custom-header-wrapper .search_icon_svg{border-radius:50%;height:40px;padding:8px;width:40px}#custom-header-wrapper .search_icon_svg:hover{background-color:#383838}#custom-header-wrapper .subscribe-button{font-size:14px;height:40px;line-height:0px;margin-right:16px;min-width:99px}#custom-header-wrapper .md-inline-block{display:inline-block!important}}#custom-header-wrapper .p-24px{padding:24px}#custom-header-wrapper .w-5{width:20px}#custom-header-wrapper .h-3{height:12px}#custom-header-wrapper .mx-20px{margin-left:20px;margin-right:20px}#custom-header-wrapper .pb-12px{padding-bottom:12px}#custom-header-wrapper .fixed{position:fixed}#custom-header-wrapper .z-50{z-index:50}#custom-header-wrapper .h-screen{height:100vh}#custom-header-wrapper .w-full{width:100%}#custom-header-wrapper .mx-5{margin-left:1.25rem!important;margin-right:1.25rem!important}#custom-header-wrapper .bg-white{background-color:#fff}#custom-header-wrapper .p-6{padding:1.5rem}#custom-header-wrapper .rounded-5px{border-radius:5px}#custom-header-wrapper .text-333333{color:#333}#custom-header-wrapper .pb-3{padding-bottom:.75rem}#custom-header-wrapper .border-light{border-color:#ddd}#custom-header-wrapper .text-20px{font-size:20px}@media screen and (min-width:768px){#custom-header-wrapper .md-hidden{display:none!important}}#custom-header-wrapper .font-euclidcircularb,#custom-header-wrapper 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.author-wrap{border-bottom:none;padding-left:0;padding-right:0}@media screen and (min-width:821px){.best-cc-v1-wrapper .author-wrap .authors-container,.generic-widget-2021-wrapper .author-wrap .authors-container{padding:0 0 24px}} </style><div class="author-wrap total_author_3"><div class="authors-container container "><div class="author_container primary-author" data-ecom-container='{"componentTitle":"Multiple Authors","componentType":"Forbes Multiple Authors Settings"}' ><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/aharrison/" class="mobile-disabled-link" data-ecom-link='{"clickText":"Ashley Harrison","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/aharrison\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/AHarrison-88x88.jpeg" alt="Ashley Harrison" width="24px" height="24px"></a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/AHarrison-88x88.jpeg" alt="Ashley Harrison" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/aharrison/" target="_blank" data-ecom-link='{"clickText":"Ashley Harrison","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/aharrison\/","clickType":"internal"}'>Ashley Harrison</a><span class="author-role">Lead Editor, Mortgages & Loans</span></div></div><div class="middle-content">Ashley is a lead editor of mortgages and loans at Forbes Advisor. She graduated from Utah Tech University with a bachelor’s in English with an emphasis in creative writing. She began her career covering student loan content at Student Loan Hero befor...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/aharrison/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/aharrison\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/AHarrison-88x88.jpeg" alt="Ashley Harrison" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/aharrison/" target="_blank" data-ecom-link='{"clickText":"Ashley Harrison","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/aharrison\/","clickType":"internal"}'>Ashley Harrison</a><span class="author-role">Lead Editor, Mortgages & Loans</span></div></div><div class="middle-content">Ashley is a lead editor of mortgages and loans at Forbes Advisor. She graduated from Utah Tech University with a bachelor’s in English with an emphasis in creative writing. She began her career covering student loan content at Student Loan Hero befor...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/aharrison/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/aharrison\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="title-wrap"><div class="title-top-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/aharrison/" data-ecom-link='{"clickText":"Ashley Harrison","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/aharrison\/","clickType":"internal"}' target="_blank">Ashley Harrison </a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/AHarrison-88x88.jpeg" alt="Ashley Harrison" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/aharrison/" target="_blank" data-ecom-link='{"clickText":"Ashley Harrison","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/aharrison\/","clickType":"internal"}'>Ashley Harrison</a><span class="author-role">Lead Editor, Mortgages & Loans</span></div></div><div class="middle-content">Ashley is a lead editor of mortgages and loans at Forbes Advisor. She graduated from Utah Tech University with a bachelor’s in English with an emphasis in creative writing. She began her career covering student loan content at Student Loan Hero befor...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/aharrison/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/aharrison\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/AHarrison-88x88.jpeg" alt="Ashley Harrison" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/aharrison/" target="_blank" data-ecom-link='{"clickText":"Ashley Harrison","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/aharrison\/","clickType":"internal"}'>Ashley Harrison</a><span class="author-role">Lead Editor, Mortgages & Loans</span></div></div><div class="middle-content">Ashley is a lead editor of mortgages and loans at Forbes Advisor. She graduated from Utah Tech University with a bachelor’s in English with an emphasis in creative writing. She began her career covering student loan content at Student Loan Hero befor...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/aharrison/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/aharrison\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Lead Editor, Mortgages & Loans </div></div></div></div></div></div><div class="author_container hide-in-mobile secondary-author co-author" data-ecom-container='{"componentTitle":"Multiple Authors","componentType":"Forbes Multiple Authors Settings"}' ><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/cbasile/" class="mobile-disabled-link" data-ecom-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}' target="_blank"><img src="https://www.forbes.com/advisor/wp-content/uploads/2023/05/caroline-basile-scaled-e1725952198721-88x88.jpg" width="25" height="25" alt="Caroline Basile" class="avatar avatar-25 wp-user-avatar wp-user-avatar-25 alignnone photo" /></a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2023/05/caroline-basile-scaled-e1725952198721-88x88.jpg" width="64" height="64" alt="Caroline Basile" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-ecom-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'>Caroline Basile</a><span class="author-role">Mortgages and Student Loans Deputy Editor</span></div></div><div class="middle-content">Caroline Basile is Forbes Advisor’s student loans and mortgages deputy editor. With experience in both the mortgage industry and as a journalist, she was previously an editor with HousingWire, where she produced daily news and feature stories. She ho...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2023/05/caroline-basile-scaled-e1725952198721-88x88.jpg" width="64" height="64" alt="Caroline Basile" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-ecom-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'>Caroline Basile</a><span class="author-role">Mortgages and Student Loans Deputy Editor</span></div></div><div class="middle-content">Caroline Basile is Forbes Advisor’s student loans and mortgages deputy editor. With experience in both the mortgage industry and as a journalist, she was previously an editor with HousingWire, where she produced daily news and feature stories. She ho...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="title-wrap"><div class="title-top-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/cbasile/" data-ecom-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}' target="_blank">Caroline Basile </a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2023/05/caroline-basile-scaled-e1725952198721-88x88.jpg" width="64" height="64" alt="Caroline Basile" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-ecom-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'>Caroline Basile</a><span class="author-role">Mortgages and Student Loans Deputy Editor</span></div></div><div class="middle-content">Caroline Basile is Forbes Advisor’s student loans and mortgages deputy editor. With experience in both the mortgage industry and as a journalist, she was previously an editor with HousingWire, where she produced daily news and feature stories. She ho...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2023/05/caroline-basile-scaled-e1725952198721-88x88.jpg" width="64" height="64" alt="Caroline Basile" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-ecom-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'>Caroline Basile</a><span class="author-role">Mortgages and Student Loans Deputy Editor</span></div></div><div class="middle-content">Caroline Basile is Forbes Advisor’s student loans and mortgages deputy editor. With experience in both the mortgage industry and as a journalist, she was previously an editor with HousingWire, where she produced daily news and feature stories. She ho...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Mortgages and Student Loans Deputy Editor </div></div></div></div></div></div><div class="author_with-badge-details author_container hide-in-mobile secondary-author" data-ecom-container='{"componentTitle":"Author with badge","componentType":"Forbes Author\/Advisory Board"}'><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-img-badge author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/johanna-leggatt/" class="mobile-disabled-link" data-ecom-link='{"clickText":"Johanna Leggatt","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/johanna-leggatt\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/03/image-4-1-88x88.png" alt="Johanna Leggatt" width="24px" height="24px"></a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/03/image-4-1-88x88.png' alt='Johanna Leggatt' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/johanna-leggatt/" target="_blank" data-ecom-link='{"clickText":"Johanna Leggatt","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/johanna-leggatt\/","clickType":"internal"}'>Johanna Leggatt</a><span class="author-role">editor</span></div></div><div class="middle-content">Johanna Leggatt is the Lead Editor for Forbes Advisor, Australia. She has more than 20 years' experience as a print and digital journalist, including with Australian Associated Press (AAP) and The Sun-Herald in Sydney. She is a former digital sub-edi...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/johanna-leggatt/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/johanna-leggatt\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/03/image-4-1-88x88.png' alt='Johanna Leggatt' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/johanna-leggatt/" target="_blank" data-ecom-link='{"clickText":"Johanna Leggatt","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/johanna-leggatt\/","clickType":"internal"}'>Johanna Leggatt</a><span class="author-role">editor</span></div></div><div class="middle-content">Johanna Leggatt is the Lead Editor for Forbes Advisor, Australia. She has more than 20 years' experience as a print and digital journalist, including with Australian Associated Press (AAP) and The Sun-Herald in Sydney. She is a former digital sub-edi...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/johanna-leggatt/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/johanna-leggatt\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="right_wrap"><div class="title-wrap"><div class="title-top-wrap"><div class="prefix-text">Reviewed</div><div class="name author-byline-hoverover author-badge-name"><a href="https://www.forbes.com/advisor/author/johanna-leggatt/" data-ecom-link='{"clickText":"Johanna Leggatt","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/johanna-leggatt\/","clickType":"internal"}' target="_blank" class="mobile-disabled-link">Johanna Leggatt</a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/03/image-4-1-88x88.png' alt='Johanna Leggatt' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/johanna-leggatt/" target="_blank" data-ecom-link='{"clickText":"Johanna Leggatt","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/johanna-leggatt\/","clickType":"internal"}'>Johanna Leggatt</a><span class="author-role">editor</span></div></div><div class="middle-content">Johanna Leggatt is the Lead Editor for Forbes Advisor, Australia. She has more than 20 years' experience as a print and digital journalist, including with Australian Associated Press (AAP) and The Sun-Herald in Sydney. She is a former digital sub-edi...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/johanna-leggatt/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/johanna-leggatt\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/03/image-4-1-88x88.png' alt='Johanna Leggatt' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/johanna-leggatt/" target="_blank" data-ecom-link='{"clickText":"Johanna Leggatt","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/johanna-leggatt\/","clickType":"internal"}'>Johanna Leggatt</a><span class="author-role">editor</span></div></div><div class="middle-content">Johanna Leggatt is the Lead Editor for Forbes Advisor, Australia. She has more than 20 years' experience as a print and digital journalist, including with Australian Associated Press (AAP) and The Sun-Herald in Sydney. She is a former digital sub-edi...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/johanna-leggatt/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/johanna-leggatt\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">editor </div></div></div></div></div></div></div></div><div class="more-author"><span class="text">& 2 others</span><div class="arrow-icon rotate"></div></div></div><div class="ask-the-editor-wrapper"><div class="container"></div></div> <div class="container"> <div class="main-wrapper show-right-rail"> <div class="article-wrapper inarticle-link-tracking"> <style> .no-editorial-note { margin : 12px 0;} .article__editors-note.font-14px{font-size:14px;} </style> <div class="article__editors-note font-14px"> Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. </div> <div class="intro-content applyfade "> <div class="intro-content-inner wysiwyg-content"> <p>If you’ve built sufficient equity in your home, a home equity line of credit (HELOC) can be a good option to access the cash you need. Forbes Advisor ranked multiple top lenders with a focus on their interest rates. Connexus Credit Union landed our highest score based on its competitive rates (including a low introductory rate), fast online application process and lack of appraisal requirement. Our other picks for lenders offering the best HELOC rates not only offer competitive rates but also accessible customer support and quick application processes. </p> <style id="style_1_eat-widget-style">.eat-widget-container{border:1px solid #ededed;border-radius:.5rem;box-shadow:0 6px 9px rgba(0,0,0,.06);margin:20px 0;padding:16px}.eat-widget-container .eat-header{display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:600;line-height:22px;padding-right:48px;word-break:break-word}.eat-widget-container .eat-header h2{border-style:none;margin:0;padding:0}.eat-widget-container .eat-header .eat-heading{color:#181716;font-weight:600;line-height:22px;margin:0 0 0 8px}.eat-widget-container .eat-header p.eat-heading{font-size:20px}@media (min-width:1025px){.eat-widget-container .eat-header p.eat-heading{font-size:24px}}.eat-widget-container .eat-header .eat-forbes-icon{flex-shrink:0;margin-top:2px}@media (min-width:768px){.eat-widget-container .eat-header 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You can read more about our <a href="https://www.forbes.com/advisor/about-us/#editorial_policies"data-ecom-link='{"clickText":"editorial guidelines","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/about-us\/#editorial_policies","clickType":"internal"}'>editorial guidelines</a> and the <a href="https://www.forbes.com/advisor/mortgages/lender-review-methodology/"data-ecom-link='{"clickText":"mortgages methodology","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/mortgages\/lender-review-methodology\/","clickType":"internal"}'>mortgages methodology</a> for the ratings below.</p> </p></div> <div class="right-section"> <ul> <li>20 lenders researched</li> <li>4 levels of fact-checking</li> <li>Unbiased editorial team</li> <li>No AI writing</li> </ul></div> </p></div> </p></div> </p></div> </p></div></p> </div> <div class="mob-fade"> <span>Read more</span> <div class="chevron-arrow-wrapper"> <div class="chevron-arrow down"></div> </div> </div> </div> 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.product-accordion,.post-template-default .toc-rr-wrapper .rr-content-accordion,.post-template-default .toc-rr-wrapper .toc-accordion,.post-template-default .toc-sticky-wrap .mobile-accordion-wrapper,.post-template-default .toc-wrapper,.post-template-default .toc-wrapper .content-accordion,.post-template-default .toc-wrapper .product-accordion,.post-template-default .toc-wrapper .rr-content-accordion,.post-template-default .toc-wrapper .toc-accordion{font-family:Work Sans,sans-serif} </style> <div class="toc-drawer-wrap" data-ecom-container='{"componentTitle":"Table Of Contents","componentType":"Sticky TOC"}'> <div class="toc-sticky-wrap "> <div class="toc-accordion mobile-accordion-wrapper" data-ecom-misc-click='{"clickText":"Table Of Contents","clickType":"Accordion","referenceText":""}' > Table of Contents </div> <div class="toc-section-wrapper mobile-accordion-content"> <div class="toc-section-overflow-wrapper"> <div class="toc-wrapper"> <div class="toc-accordion mob-d-none active test-arrow toc-container" data-ecom-misc-click='{"clickText":"Our Top Picks","clickType":"Accordion","referenceText":""}' > Our Top Picks </div> <div class="toc-section-wrapper toc-toggle"> <div class="product-accordion mob-d-block">Our Top Picks</div> <div class="toc-products-wrapper"> <ul class="toc-products toc-select"> <li class="toc-product-item toc-item"> <a href="#citizens" class="jump-to" data-ecom-misc-click='{"clickText":"Citizens","clickType":"Jump Link","referenceText":"Our Top Picks"}' >Citizens</a> </li> <li class="toc-product-item toc-item"> <a href="#fifth_third_bank" class="jump-to" data-ecom-misc-click='{"clickText":"Fifth Third Bank","clickType":"Jump Link","referenceText":"Our Top Picks"}' >Fifth Third Bank</a> </li> <li class="toc-product-item toc-item"> <a href="#connexus_credit_union" class="jump-to" data-ecom-misc-click='{"clickText":"Connexus Credit Union","clickType":"Jump Link","referenceText":"Our Top Picks"}' >Connexus Credit Union</a> </li> <li class="toc-product-item toc-item"> <a href="#alliant_credit_union" class="jump-to" data-ecom-misc-click='{"clickText":"Alliant Credit Union","clickType":"Jump Link","referenceText":"Our Top Picks"}' >Alliant Credit Union</a> </li> </ul> <div class="toc-bottom-gradient"></div> </div> </div> </div> <div class="toc-content-test"> <div class="toc-content-wrapper"> <div class="toc-accordion toc-container mob-d-none " data-ecom-misc-click='{"clickText":"Table of Contents","clickType":"Accordion","referenceText":""}' > Table of Contents </div> <div class="toc-content-list-wrapper toc-toggle"> <div class="content-accordion mob-d-block">Table of Contents</div> <div class="toc-products-wrapper"> <ul class="toc-content-list toc-select"> <li class="toc-content-item toc-item"> <a href="#best_helocs_with_low_rates_section" class="jump-to" data-ecom-misc-click='{"clickText":"Best HELOCs with Low Rates","clickType":"Jump Link","referenceText":"Table of Contents"}' >Best HELOCs with Low Rates</a> </li> <li class="toc-content-item toc-item"> <a href="#current_heloc_rates_section" class="jump-to" data-ecom-misc-click='{"clickText":"Current HELOC Rates","clickType":"Jump Link","referenceText":"Table of Contents"}' >Current HELOC Rates</a> </li> <li class="toc-content-item toc-item"> <a href="#how_does_a_heloc_work_section" class="jump-to" data-ecom-misc-click='{"clickText":"How Does a HELOC Work?","clickType":"Jump Link","referenceText":"Table of Contents"}' >How Does a HELOC Work?</a> </li> <li class="toc-content-item toc-item"> <a href="#how_do_heloc_interest_rates_work_section" class="jump-to" data-ecom-misc-click='{"clickText":"How Do HELOC Interest Rates Work?","clickType":"Jump Link","referenceText":"Table of Contents"}' >How Do HELOC Interest Rates Work?</a> </li> <li class="toc-content-item toc-item"> <a href="#how_to_get_the_best_heloc_rate_section" class="jump-to" data-ecom-misc-click='{"clickText":"How To Get the Best HELOC Rate","clickType":"Jump Link","referenceText":"Table of Contents"}' >How To Get the Best HELOC Rate</a> </li> <li class="toc-content-item toc-item"> <a href="#heloc_alternatives_section" class="jump-to" data-ecom-misc-click='{"clickText":"HELOC Alternatives","clickType":"Jump Link","referenceText":"Table of Contents"}' >HELOC Alternatives</a> </li> <li class="toc-content-item toc-item"> <a href="#methodology_section" class="jump-to" data-ecom-misc-click='{"clickText":"Methodology","clickType":"Jump Link","referenceText":"Table of Contents"}' >Methodology</a> </li> <li class="toc-content-item toc-item"> <a href="#frequently_asked_questions_faqs_section" class="jump-to" data-ecom-misc-click='{"clickText":"Frequently Asked Questions (FAQs)","clickType":"Jump Link","referenceText":"Table of Contents"}' >Frequently Asked Questions (FAQs)</a> </li> <li class="toc-content-item toc-item"> <a href="#next_up_in_home_equity_section" class="jump-to" data-ecom-misc-click='{"clickText":"Next Up In Home Equity","clickType":"Jump Link","referenceText":"Table of Contents"}' >Next Up In Home Equity</a> </li> </ul> <div class="toc-bottom-gradient"></div> </div> </div> </div> </div> <div class="toc-rr-wrapper"> <div class="toc-accordion mob-d-none" data-ecom-misc-click='{"clickText":"Home-Equity Buying Guide ","clickType":"Accordion","referenceText":""}' > Home-Equity Buying Guide </div> <div class="toc-rr-content toc-toggle"> <div class="rr-content-accordion mob-d-block">Home-Equity Buying Guide </div> <div class="toc-products-wrapper"> <ul class="toc-rr-item-wrapper"> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/home-equity/best-home-equity-loan-rates/" class="jump-to" data-ecom-link='{"clickText":"Best Home Equity Loan Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/home-equity\/best-home-equity-loan-rates\/","clickType":"internal","referenceText":"Home-Equity Buying Guide "}' >Best Home Equity Loan Rates</a> </li> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/home-equity/best-heloc-lenders/" class="jump-to" data-ecom-link='{"clickText":"Best HELOC Lenders","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/home-equity\/best-heloc-lenders\/","clickType":"internal","referenceText":"Home-Equity Buying Guide "}' >Best HELOC Lenders</a> </li> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/home-equity/best-home-equity-loan-lenders/" class="jump-to" data-ecom-link='{"clickText":"Best Home Equity Loan Lenders","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/home-equity\/best-home-equity-loan-lenders\/","clickType":"internal","referenceText":"Home-Equity Buying Guide "}' >Best Home Equity Loan Lenders</a> </li> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/mortgages/best-mortgage-lenders/" class="jump-to" data-ecom-link='{"clickText":"Best Mortgage 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Funding","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}' id="new_american_funding"> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Advertisement</h2> <h3 class="card-title">New American Funding</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://www.newamericanfunding.com/lfj/frbs-he/?refinance=36812797&purchase=36812846&phone=8556021609&utm_source=FRBS&utm_medium=referral&utm_content=default&utm_campaign=FRBS_FP_HELOC&lp=rf&lt=he&sub_id=&pub_id=&utm_term=default" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.newamericanfunding.com/lfj/frbs-he/?refinance=36812797&purchase=36812846&phone=8556021609&utm_source=FRBS&utm_medium=referral&utm_content=default&utm_campaign=FRBS_FP_HELOC&lp=rf&lt=he&sub_id=&pub_id=&utm_term=default" data-component-title="Generic Product Widget" data-product-name="New American Funding" data-product-category="NA" data-product-position="NA" data-product-badge="Advertisement" data-product-rating="NA" data-product-offer="Yes" data-wp-postid="1067822" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.newamericanfunding.com\/lfj\/frbs-he\/?refinance=36812797&purchase=36812846&phone=8556021609&utm_source=FRBS&utm_medium=referral&utm_content=default&utm_campaign=FRBS_FP_HELOC&lp=rf&lt=he&sub_id=&pub_id=&utm_term=default","partnerName":"New American Funding"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/naf-2023-lender-wall-logo_nmls-500x240-1-1-1.png" alt="New American Funding"></a></div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">Minimum credit score </p> <div class="fact-value-wrapper"> <p class="fact-value">580+</p> <p class="fact-value-light">620 with a 65% LTV</p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">HELOC Loan Rates </p> <div class="fact-value-wrapper"> <p class="fact-value">Lower than the national average</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Days to close <span class="icon-tooltip icon-info tooltip tooltipstered tooltip-tippy" data-tooltip-content="#attr_tooltip21067822"></span></p> <div class="tooltip_templates d-none"> <div id="attr_tooltip21067822">Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. </div> </div> <div class="fact-value-wrapper"> <p class="fact-value">5 days</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://www.newamericanfunding.com/lfj/frbs-he/?refinance=36812797&purchase=36812846&phone=8556021609&utm_source=FRBS&utm_medium=referral&utm_content=default&utm_campaign=FRBS_FP_HELOC&lp=rf&lt=he&sub_id=&pub_id=&utm_term=default" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.newamericanfunding.com/lfj/frbs-he/?refinance=36812797&purchase=36812846&phone=8556021609&utm_source=FRBS&utm_medium=referral&utm_content=default&utm_campaign=FRBS_FP_HELOC&lp=rf&lt=he&sub_id=&pub_id=&utm_term=default" data-component-title="Generic Product Widget" data-product-name="New American Funding" data-product-category="NA" data-product-position="NA" data-product-badge="Advertisement" data-product-rating="NA" data-product-offer="Yes" data-wp-postid="1067822" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.newamericanfunding.com\/lfj\/frbs-he\/?refinance=36812797&purchase=36812846&phone=8556021609&utm_source=FRBS&utm_medium=referral&utm_content=default&utm_campaign=FRBS_FP_HELOC&lp=rf&lt=he&sub_id=&pub_id=&utm_term=default","partnerName":"New American Funding"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/naf-2023-lender-wall-logo_nmls-500x240-1-1-1.png" alt="New American Funding"></a></div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://www.newamericanfunding.com/lfj/frbs-he/?refinance=36812797&purchase=36812846&phone=8556021609&utm_source=FRBS&utm_medium=referral&utm_content=default&utm_campaign=FRBS_FP_HELOC&lp=rf&lt=he&sub_id=&pub_id=&utm_term=default" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://www.newamericanfunding.com/lfj/frbs-he/?refinance=36812797&purchase=36812846&phone=8556021609&utm_source=FRBS&utm_medium=referral&utm_content=default&utm_campaign=FRBS_FP_HELOC&lp=rf&lt=he&sub_id=&pub_id=&utm_term=default" data-component-title="Generic Product Widget" data-product-name="New American Funding" data-product-category="NA" data-product-position="NA" data-product-badge="Advertisement" data-product-rating="NA" data-product-offer="Yes" data-wp-postid="1067822" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/www.newamericanfunding.com\/lfj\/frbs-he\/?refinance=36812797&purchase=36812846&phone=8556021609&utm_source=FRBS&utm_medium=referral&utm_content=default&utm_campaign=FRBS_FP_HELOC&lp=rf&lt=he&sub_id=&pub_id=&utm_term=default","partnerName":"New American Funding"}' ><span>Learn More </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">On New American Funding's Website </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="Minimum credit score"> <div class="fact-value-wrapper"> <p class="fact-value">580+</p> <p class="fact-value-light">620 with a 65% LTV</p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="HELOC Loan Rates"> <div class="fact-value-wrapper"> <p class="fact-value">Lower than the national average</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Days to close"><span class="icon-tooltip icon-info tooltip tooltipstered tooltip-tippy" data-tooltip-content="#attr_tooltip21067822"></span></p> <div class="tooltip_templates d-none"> <div id="attr_tooltip21067822">Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. </div> </div> <div class="fact-value-wrapper"> <p class="fact-value">5 days</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"></div> </div> </div> </div> </section> </div> </div> </div> <div id="best_helocs_with_low_rates_section" class="article-section toc-section-element toc-element " > <h2>Best HELOCs with Low Rates</h2> <div class="section-content wysiwyg-content blue-bullets "> </div> </div> <hr/> <div id="connexus_credit_union_best_for_low_introductory_rates_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <div data-ecom-container='{"componentTitle":"Connexus Credit Union","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-ecom-container='{"componentTitle":"Connexus Credit Union","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-ecom-product='{"itemId":"1020870","itemName":"Connexus Credit Union","itemBrand":"Bankrate","itemCategory":"Home Equity","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Bankrate","coupon":"","secondaryCallout":"","starRatings":5,"initialCost":0,"subscriptionCost":0}' id="connexus_credit_union"> <div class="featured-widget-label"></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for low introductory rates</h2> <h3 class="card-title">Connexus Credit Union</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" data-component-title="Generic Product Widget" data-product-name="Connexus Credit Union" data-product-category="Best HELOC Rates" data-product-position="NA" data-product-badge="Best for low introductory rates" data-product-rating="5" data-product-offer="No" data-wp-postid="1020870" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/12/Connexus-Credit-Union-Share-Certificate.png" alt="Connexus Credit Union"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">5.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 100%;"></span></div> <div class="rating-logo"><img decoding="async" loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">APRs starting at </p> <div class="fact-value-wrapper"> <p class="fact-value">8.62%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Loan amounts </p> <div class="fact-value-wrapper"> <p class="fact-value">$5,000 to $200,000</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Min. credit score </p> <div class="fact-value-wrapper"> <p class="fact-value">640</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" data-component-title="Generic Product Widget" data-product-name="Connexus Credit Union" data-product-category="Best HELOC Rates" data-product-position="NA" data-product-badge="Best for low introductory rates" data-product-rating="5" data-product-offer="No" data-wp-postid="1020870" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/12/Connexus-Credit-Union-Share-Certificate.png" alt="Connexus Credit Union"></a></div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Compare Rates" data-link-placement="Button Link" data-url="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" data-component-title="Generic Product Widget" data-product-name="Connexus Credit Union" data-product-category="Best HELOC Rates" data-product-position="NA" data-product-badge="Best for low introductory rates" data-product-rating="5" data-product-offer="No" data-wp-postid="1020870" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><span>Compare Rates </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">Compare rates from participating lenders in your area via Bankrate.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="APRs starting at"> <div class="fact-value-wrapper"> <p class="fact-value">8.62%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Loan amounts"> <div class="fact-value-wrapper"> <p class="fact-value">$5,000 to $200,000</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Min. credit score"> <div class="fact-value-wrapper"> <p class="fact-value">640</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Connexus Credit Union"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p>If you apply with Connexus, you can take advantage of low introductory rates to save on borrowing costs. Additionally, applications can be completed online within minutes, and most applications don’t require a home appraisal—further streamlining the loan process.</p> </div> <div class="accordion-tab ">Consumer Sentiment Index </div> <div class="c-tab--content-wrapper"> <style id="style_1_consumer-sentiment-index-style">.consumer-sentiment-index-wrap{font-family:EuclidCircularB,sans-serif;margin-bottom:15px}@media (min-width:1024px){.consumer-sentiment-index-wrap{margin-bottom:24px}}.consumer-sentiment-index-wrap .cs-inner-wrap{border:1px solid #ededed;border-radius:8px;padding:15px 11px 11px}@media (min-width:1024px){.consumer-sentiment-index-wrap .cs-inner-wrap{padding:18px 12px}}.consumer-sentiment-index-wrap .cs-top-wrap{display:flex;padding-bottom:16px}@media (min-width:1024px){.consumer-sentiment-index-wrap .cs-top-wrap{padding:0 14px 18px}}.consumer-sentiment-index-wrap .cs-meter-wrap{align-items:center;border-right:1px solid 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.tippy-box[data-theme=tippy-consumer-index-theme] .rank-sentiment{font-family:Work Sans,sans-serif}</style> <div class="consumer-sentiment-index-wrap remove-empty-p-tags"> <div class="cs-inner-wrap"> <div class="cs-top-wrap"> <div class="cs-meter-wrap negative-sentiments"> <div class="csm-inner"> <div class="outer-svg-wrapper"> <div class="svg-wrapper"> <div class="dot-wrapper" style="--rotateDegree: 45deg"></div> <div><svg width="120" height="61" viewBox="0 0 120 61" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M87.659 10.0815C88.4002 8.74477 87.8971 7.06656 86.4987 6.4042C78.4091 2.57248 69.5321 0.563308 60.5218 0.54021C51.5116 0.517112 42.624 2.48075 34.514 6.27094C33.1121 6.92611 32.6 8.60172 33.334 9.94221C34.0681 11.2827 35.7702 11.7797 37.1753 11.1312C44.4608 7.76873 52.4295 6.02759 60.5071 6.0483C68.5847 6.069 76.544 7.85098 83.8114 11.2508C85.2131 11.9065 86.9178 11.4182 87.659 10.0815Z" fill="#FFB136"/><path d="M117.251 60.54C118.804 60.54 120.07 59.2817 119.997 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width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="cs-index-tippy-content-0"> <div class="consumer-score-info"><strong class="consumer-score-number negative-sentiments">2.9/10</strong>Consumer Score </div> <div class="consumer-score-description">The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale. </div> </div> </div> </div> <div class="cs-index-text">Consumer Sentiment Index</div> </div> <div class="insight-analyzed-wrap"> <div class="ia-top-wrap"> <div class="ia-svg-wrap"><svg class="ia-svg" width="38" height="38" width="38" height="38" viewBox="0 0 38 38" fill="none" xmlns="http://www.w3.org/2000/svg"><mask id="mask0_886_10188" style="mask-type:luminance" maskUnits="userSpaceOnUse" x="3" y="3" width="32" height="32"><path d="M34.4375 3.56314H3.56841V34.4369H34.4375V3.56314Z" fill="white"/></mask><g mask="url(#mask0_886_10188)"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.37736 34.4369H8.70984C8.81479 34.4369 8.92129 34.4153 9.01853 34.3751C9.11731 34.335 9.20683 34.2748 9.28091 34.2007C9.355 34.1266 9.41674 34.0355 9.45687 33.9367C9.497 33.8395 9.51861 33.7345 9.51861 33.628V24.8413C9.51861 24.7348 9.497 24.6298 9.45687 24.531C9.41674 24.4322 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14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="cs-ia-tippy-content-0"> <div class="cs-ia-tippy-content-heading">How do we calculate </div> <p class="cs-ia-tippy-content-subheading">We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5 </p> </div> </div> </div> </div> <div class="ia-text">Insights Analyzed </div> </div> </div> <div class="cs-middle-wrap"> <ul class="features-rows-wrap"> <li class="feature-row"> <div class="fr-top-info"> <div class="rank-wrap"><strong class="rank-hash">#</strong><strong class="rank-number">5</strong></p> <div class="feature-tippy-wrap"><span class="feature-name">Customer Service </span></p> <div class="tippy-wrap"><svg class="feature-row-tippy" data-tooltip-content="#feature-row-tippy-content-00" color="#171717" width="12" height="12" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="feature-row-tippy-content-00"> <div class="tippy-rank-heading">Ranked 5 out of 5 </div> <div class="tippy-rank-subheading">For Customer Service </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">40% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">0% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">60% </strong>of people had negative sentiments </li> </ul> </div> </div> </div> </div> </div> <div class="fr-bottom-bar sentiment-bar-tippy" data-tooltip-content="#sentiment-bar-tippy-content-00" style="--postive_bar: 40%; --neutral_bar: 0%; --negative_bar: 60%"> <div class="fr-bar positive-bar">40% </div> <div class="fr-bar negative-bar">60% </div> </div> <div id="sentiment-bar-tippy-content-00"> <div class="tippy-rank-heading">Ranked 5 out of 5 </div> <div class="tippy-rank-subheading">For Customer Service </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">40% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">0% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">60% </strong>of people had negative sentiments </li> </ul> </div> </li> <li class="feature-row"> <div class="fr-top-info"> <div class="rank-wrap"><strong class="rank-hash">#</strong><strong class="rank-number">2</strong></p> <div class="feature-tippy-wrap"><span class="feature-name">Fees and Charges </span></p> <div class="tippy-wrap"><svg class="feature-row-tippy" data-tooltip-content="#feature-row-tippy-content-01" color="#171717" width="12" height="12" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="feature-row-tippy-content-01"> <div class="tippy-rank-heading">Ranked 2 out of 5 </div> <div class="tippy-rank-subheading">For Fees and Charges </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">21% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">3% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">76% </strong>of people had negative sentiments </li> </ul> </div> </div> </div> </div> </div> <div class="fr-bottom-bar sentiment-bar-tippy" data-tooltip-content="#sentiment-bar-tippy-content-01" style="--postive_bar: 21%; --neutral_bar: 3%; --negative_bar: 76%"> <div class="fr-bar positive-bar">21% </div> <div class="fr-bar neutral-bar">3% </div> <div class="fr-bar negative-bar">76% </div> </div> <div id="sentiment-bar-tippy-content-01"> <div class="tippy-rank-heading">Ranked 2 out of 5 </div> <div class="tippy-rank-subheading">For Fees and Charges </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">21% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">3% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">76% </strong>of people had negative sentiments </li> </ul> </div> </li> <li class="feature-row"> <div class="fr-top-info"> <div class="rank-wrap"><strong class="rank-hash">#</strong><strong class="rank-number">2</strong></p> <div class="feature-tippy-wrap"><span class="feature-name">Account Access and Management </span></p> <div class="tippy-wrap"><svg class="feature-row-tippy" data-tooltip-content="#feature-row-tippy-content-02" color="#171717" width="12" height="12" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="feature-row-tippy-content-02"> <div class="tippy-rank-heading">Ranked 2 out of 5 </div> <div class="tippy-rank-subheading">For Account Access and Management </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">64% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">6% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">30% </strong>of people had negative sentiments </li> </ul> </div> </div> </div> </div> </div> <div class="fr-bottom-bar sentiment-bar-tippy" data-tooltip-content="#sentiment-bar-tippy-content-02" style="--postive_bar: 64%; --neutral_bar: 6%; --negative_bar: 30%"> <div class="fr-bar positive-bar">64% </div> <div class="fr-bar neutral-bar">6% </div> <div class="fr-bar negative-bar">30% </div> </div> <div id="sentiment-bar-tippy-content-02"> <div class="tippy-rank-heading">Ranked 2 out of 5 </div> <div class="tippy-rank-subheading">For Account Access and Management </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">64% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">6% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">30% </strong>of people had negative sentiments </li> </ul> </div> </li> <li class="feature-row"> <div class="fr-top-info"> <div class="rank-wrap"><strong class="rank-hash">#</strong><strong class="rank-number">2</strong></p> <div class="feature-tippy-wrap"><span class="feature-name">Fraud and Security </span></p> <div class="tippy-wrap"><svg class="feature-row-tippy" data-tooltip-content="#feature-row-tippy-content-03" color="#171717" width="12" height="12" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="feature-row-tippy-content-03"> <div class="tippy-rank-heading">Ranked 2 out of 5 </div> <div class="tippy-rank-subheading">For Fraud and Security </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">27% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">0% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">73% </strong>of people had negative sentiments </li> </ul> </div> </div> </div> </div> </div> <div class="fr-bottom-bar sentiment-bar-tippy" data-tooltip-content="#sentiment-bar-tippy-content-03" style="--postive_bar: 27%; --neutral_bar: 0%; --negative_bar: 73%"> <div class="fr-bar positive-bar">27% </div> <div class="fr-bar negative-bar">73% </div> </div> <div id="sentiment-bar-tippy-content-03"> <div class="tippy-rank-heading">Ranked 2 out of 5 </div> <div class="tippy-rank-subheading">For Fraud and Security </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">27% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">0% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">73% </strong>of people had negative sentiments </li> </ul> </div> </li> </ul> </div> <div class="cs-bottom-wrap"> <div class="cs-bottom-summary"> <p>Overall, customer opinions on Connexus have been mixed—particularly when it comes to the lender’s banking services and HELOC offerings. While many customers appreciate the convenience and ease of the Connexus mobile app, others report significant issues with the management of their loans, customer support and unethical practices.</p> </div> </div> </div> </div> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Pros & Cons","clickType":"Accordion","referenceText":"Connexus Credit Union"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Offers low introductory APRs</li> <li>Application can be completed online within minutes</li> <li>Doesn’t require a home appraisal for most applications</li> </ul> </div> <div class="list-points cons"> <ul> <li>Must be a member of the credit union to accept a loan (but can apply without membership)</li> <li>Not available in all states</li> <li>Investment properties not eligible</li> </ul> </div> </div> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Lender Details","clickType":"Accordion","referenceText":"Connexus Credit Union"}'>Lender Details </div> <div class="c-tab--content list-points"> <p><strong>Loan terms</strong><br />Connexus provides HELOCs from $5,000 to $200,000 with a draw and repayment periods of 15 years each. If you opt for a standard HELOC, your minimum monthly payments will be 1.5% of the amount borrowed (a $25 minimum). Payments on interest-only HELOCs, on the other hand, can vary based on the amount you borrow.</p> <p><strong>Available in most states</strong><br />Connexus HELOCs are available in most states except Alaska, Hawaii, Maryland and Texas. If you live in one of these states, you’ll need to consider another lender.</p> <p><strong>How to apply</strong><br />You can apply for a HELOC from Connexus online within minutes. Be prepared to provide your personal information along with details like how much you’d like to borrow, your preferred loan term and your estimated property value.</p> <p>Customer support is available by phone or live chat on Monday, Tuesday, Wednesday and Friday from 7 a.m. to 7 p.m. CT; Thursday from 9 a.m. to 7 p.m. CT; and Saturday from 8 a.m. to 1 p.m. CT. You can also book a call with one of Connexus’ personal lenders for more personalized assistance.</p> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div id="citizens_bank_best_for_fast_closing_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <div data-ecom-container='{"componentTitle":"Citizens","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-ecom-container='{"componentTitle":"Citizens","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-ecom-product='{"itemId":"1020854","itemName":"Citizens","itemBrand":"Bankrate","itemCategory":"Home Equity","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Bankrate","coupon":"","secondaryCallout":"","starRatings":4.6,"initialCost":0,"subscriptionCost":0}' id="citizens"> <div class="featured-widget-label"></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for fast closing</h2> <h3 class="card-title">Citizens</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" data-component-title="Generic Product Widget" data-product-name="Citizens" data-product-category="Best HELOC Rates" data-product-position="NA" data-product-badge="Best for fast closing" data-product-rating="4.6" data-product-offer="No" data-wp-postid="1020854" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/02/Citizens-Bank.png" alt="Citizens"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.6</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 90%;"></span></div> <div class="rating-logo"><img decoding="async" loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">APRs starting at </p> <div class="fact-value-wrapper"> <p class="fact-value">7.75%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Loan amounts </p> <div class="fact-value-wrapper"> <p class="fact-value">$17,500 to $400,000</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Min. credit score </p> <div class="fact-value-wrapper"> <p class="fact-value">Does not publicly disclose</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" data-component-title="Generic Product Widget" data-product-name="Citizens" data-product-category="Best HELOC Rates" data-product-position="NA" data-product-badge="Best for fast closing" data-product-rating="4.6" data-product-offer="No" data-wp-postid="1020854" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/02/Citizens-Bank.png" alt="Citizens"></a></div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Compare Rates" data-link-placement="Button Link" data-url="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" data-component-title="Generic Product Widget" data-product-name="Citizens" data-product-category="Best HELOC Rates" data-product-position="NA" data-product-badge="Best for fast closing" data-product-rating="4.6" data-product-offer="No" data-wp-postid="1020854" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><span>Compare Rates </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">Compare rates from participating lenders in your area via Bankrate.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="APRs starting at"> <div class="fact-value-wrapper"> <p class="fact-value">7.75%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Loan amounts"> <div class="fact-value-wrapper"> <p class="fact-value">$17,500 to $400,000</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Min. credit score"> <div class="fact-value-wrapper"> <p class="fact-value">Does not publicly disclose</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Citizens"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p>In addition to a streamlined online application process, Citizens Bank offers lightning-fast closing times on its HELOC—as few as seven days—and waives closing costs.</p> </div> <div class="accordion-tab ">Consumer Sentiment Index </div> <div class="c-tab--content-wrapper"> <style id="style_2_consumer-sentiment-index-style">.consumer-sentiment-index-wrap{font-family:EuclidCircularB,sans-serif;margin-bottom:15px}@media (min-width:1024px){.consumer-sentiment-index-wrap{margin-bottom:24px}}.consumer-sentiment-index-wrap .cs-inner-wrap{border:1px solid #ededed;border-radius:8px;padding:15px 11px 11px}@media (min-width:1024px){.consumer-sentiment-index-wrap .cs-inner-wrap{padding:18px 12px}}.consumer-sentiment-index-wrap .cs-top-wrap{display:flex;padding-bottom:16px}@media (min-width:1024px){.consumer-sentiment-index-wrap .cs-top-wrap{padding:0 14px 18px}}.consumer-sentiment-index-wrap .cs-meter-wrap{align-items:center;border-right:1px solid 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.tippy-box[data-theme=tippy-consumer-index-theme] .rank-sentiment{font-family:Work Sans,sans-serif}</style> <div class="consumer-sentiment-index-wrap remove-empty-p-tags"> <div class="cs-inner-wrap"> <div class="cs-top-wrap"> <div class="cs-meter-wrap negative-sentiments"> <div class="csm-inner"> <div class="outer-svg-wrapper"> <div class="svg-wrapper"> <div class="dot-wrapper" style="--rotateDegree: 38deg"></div> <div><svg width="120" height="61" viewBox="0 0 120 61" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M87.659 10.0815C88.4002 8.74477 87.8971 7.06656 86.4987 6.4042C78.4091 2.57248 69.5321 0.563308 60.5218 0.54021C51.5116 0.517112 42.624 2.48075 34.514 6.27094C33.1121 6.92611 32.6 8.60172 33.334 9.94221C34.0681 11.2827 35.7702 11.7797 37.1753 11.1312C44.4608 7.76873 52.4295 6.02759 60.5071 6.0483C68.5847 6.069 76.544 7.85098 83.8114 11.2508C85.2131 11.9065 86.9178 11.4182 87.659 10.0815Z" fill="#FFB136"/><path d="M117.251 60.54C118.804 60.54 120.07 59.2817 119.997 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width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="cs-index-tippy-content-1"> <div class="consumer-score-info"><strong class="consumer-score-number negative-sentiments">2.4/10</strong>Consumer Score </div> <div class="consumer-score-description">The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. 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12.5777 16.3634 12.6842 16.3634H17.0152C17.2297 16.3634 17.4365 16.4483 17.5878 16.5996C17.739 16.7524 17.8255 16.9577 17.8255 17.1723V33.628C17.8255 33.8426 17.739 34.0479 17.5878 34.1991C17.4365 34.352 17.2297 34.4369 17.0152 34.4369ZM25.322 34.4369H20.9896C20.8846 34.4369 20.7781 34.4153 20.6809 34.3751C20.5821 34.335 20.4926 34.2748 20.4185 34.2007C20.3444 34.1266 20.2827 34.0355 20.2425 33.9367C20.2024 33.8395 20.1808 33.7345 20.1808 33.628V21.0068C20.1808 20.9003 20.2024 20.7953 20.2425 20.6965C20.2827 20.5993 20.3429 20.5097 20.4185 20.4341C20.4926 20.3584 20.5821 20.2998 20.6809 20.2581C20.7781 20.218 20.8846 20.1979 20.9896 20.1979H25.322C25.4285 20.1979 25.5335 20.218 25.6307 20.2581C25.7295 20.2998 25.819 20.3584 25.8931 20.4341C25.9688 20.5097 26.0289 20.5993 26.0691 20.6965C26.1092 20.7953 26.1308 20.9003 26.1308 21.0068V33.628C26.1308 33.7345 26.1092 33.8395 26.0691 33.9367C26.0289 34.0355 25.9688 34.125 25.8947 34.2007C25.819 34.2748 25.7295 34.335 25.6307 34.3751C25.5335 34.4153 25.4285 34.4369 25.322 34.4369Z" fill="#007AC8"/><path fill-rule="evenodd" clip-rule="evenodd" d="M33.6286 12.5289C33.7351 12.5289 33.8401 12.5489 33.9373 12.5906C34.0361 12.6308 34.1256 12.691 34.1997 12.7651C34.2738 12.8392 34.3355 12.9302 34.3756 13.0275C34.4158 13.1263 34.4374 13.2312 34.4374 13.3378V33.628C34.4374 33.7345 34.4173 33.8395 34.3756 33.9367C34.3355 34.0355 34.2753 34.125 34.2012 34.2007C34.1256 34.2748 34.0361 34.335 33.9373 34.3751C33.8401 34.4168 33.7351 34.4369 33.6286 34.4369H29.2961C29.1896 34.4369 29.0847 34.4168 28.9874 34.3751C28.8887 34.335 28.7991 34.2748 28.7251 34.2007C28.651 34.1266 28.5892 34.0355 28.5491 33.9367C28.509 33.8395 28.4874 33.7345 28.4874 33.628V13.3378C28.4874 13.2312 28.509 13.1263 28.5491 13.0275C28.5892 12.9302 28.6494 12.8407 28.7251 12.7651C28.8007 12.6894 28.8887 12.6308 28.9874 12.5906C29.0847 12.5489 29.1896 12.5289 29.2961 12.5289H33.6286ZM17.0149 34.4369H12.6839C12.5774 34.4369 12.4725 34.4168 12.3737 34.3751C12.2765 34.335 12.1869 34.2748 12.1113 34.2007C12.0372 34.125 11.977 34.0355 11.9369 33.9367C11.8952 33.8395 11.8752 33.7345 11.8752 33.628V17.1723C11.8752 17.0658 11.8952 16.9608 11.9369 16.862C11.977 16.7647 12.0372 16.6752 12.1113 16.5996C12.1869 16.5255 12.2765 16.4653 12.3737 16.4251C12.4725 16.3835 12.5774 16.3634 12.6839 16.3634H17.0149C17.2294 16.3634 17.4362 16.4483 17.5875 16.5996C17.7387 16.7524 17.8252 16.9577 17.8252 17.1723V33.628C17.8252 33.8426 17.7387 34.0479 17.5875 34.1991C17.4362 34.352 17.2294 34.4369 17.0149 34.4369Z" fill="#003186"/></g></svg></div> <div class="ia-wrapper"> <div class="ia-count">261,434 </div> <div class="tippy-wrap"><svg class="cs-ia-tippy" data-tooltip-content="#cs-ia-tippy-content-1" color="#171717" width="16" height="16" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="cs-ia-tippy-content-1"> <div class="cs-ia-tippy-content-heading">How do we calculate </div> <p class="cs-ia-tippy-content-subheading">We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5 </p> </div> </div> </div> </div> <div class="ia-text">Insights Analyzed </div> </div> </div> <div class="cs-middle-wrap"> <ul class="features-rows-wrap"> <li class="feature-row"> <div class="fr-top-info"> <div class="rank-wrap"><strong class="rank-hash">#</strong><strong class="rank-number">4</strong></p> <div class="feature-tippy-wrap"><span class="feature-name">Customer Service </span></p> <div class="tippy-wrap"><svg class="feature-row-tippy" data-tooltip-content="#feature-row-tippy-content-10" color="#171717" width="12" height="12" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="feature-row-tippy-content-10"> <div class="tippy-rank-heading">Ranked 4 out of 5 </div> <div class="tippy-rank-subheading">For Customer Service </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">37% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">2% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">61% </strong>of people had negative sentiments </li> </ul> </div> </div> </div> </div> </div> <div class="fr-bottom-bar sentiment-bar-tippy" data-tooltip-content="#sentiment-bar-tippy-content-10" style="--postive_bar: 37%; --neutral_bar: 2%; --negative_bar: 61%"> <div class="fr-bar positive-bar">37% </div> <div class="fr-bar neutral-bar">2% </div> <div class="fr-bar negative-bar">61% </div> </div> <div id="sentiment-bar-tippy-content-10"> <div class="tippy-rank-heading">Ranked 4 out of 5 </div> <div class="tippy-rank-subheading">For Customer Service </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">37% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">2% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">61% </strong>of people had negative sentiments </li> </ul> </div> </li> <li class="feature-row"> <div class="fr-top-info"> <div class="rank-wrap"><strong class="rank-hash">#</strong><strong class="rank-number">4</strong></p> <div class="feature-tippy-wrap"><span class="feature-name">Fees and Charges </span></p> <div class="tippy-wrap"><svg class="feature-row-tippy" data-tooltip-content="#feature-row-tippy-content-11" color="#171717" width="12" height="12" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="feature-row-tippy-content-11"> <div class="tippy-rank-heading">Ranked 4 out of 5 </div> <div class="tippy-rank-subheading">For Fees and Charges </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">11% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">6% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">83% </strong>of people had negative sentiments </li> </ul> </div> </div> </div> </div> </div> <div class="fr-bottom-bar sentiment-bar-tippy" data-tooltip-content="#sentiment-bar-tippy-content-11" style="--postive_bar: 11%; --neutral_bar: 6%; --negative_bar: 83%"> <div class="fr-bar positive-bar">11% </div> <div class="fr-bar neutral-bar">6% </div> <div class="fr-bar negative-bar">83% </div> </div> <div id="sentiment-bar-tippy-content-11"> <div class="tippy-rank-heading">Ranked 4 out of 5 </div> <div class="tippy-rank-subheading">For Fees and Charges </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">11% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">6% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">83% </strong>of people had negative sentiments </li> </ul> </div> </li> <li class="feature-row"> <div class="fr-top-info"> <div class="rank-wrap"><strong class="rank-hash">#</strong><strong class="rank-number">3</strong></p> <div class="feature-tippy-wrap"><span class="feature-name">Account Access and Management </span></p> <div class="tippy-wrap"><svg class="feature-row-tippy" data-tooltip-content="#feature-row-tippy-content-12" color="#171717" width="12" height="12" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="feature-row-tippy-content-12"> <div class="tippy-rank-heading">Ranked 3 out of 5 </div> <div class="tippy-rank-subheading">For Account Access and Management </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">34% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">7% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">59% </strong>of people had negative sentiments </li> </ul> </div> </div> </div> </div> </div> <div class="fr-bottom-bar sentiment-bar-tippy" data-tooltip-content="#sentiment-bar-tippy-content-12" style="--postive_bar: 34%; --neutral_bar: 7%; --negative_bar: 59%"> <div class="fr-bar positive-bar">34% </div> <div class="fr-bar neutral-bar">7% </div> <div class="fr-bar negative-bar">59% </div> </div> <div id="sentiment-bar-tippy-content-12"> <div class="tippy-rank-heading">Ranked 3 out of 5 </div> <div class="tippy-rank-subheading">For Account Access and Management </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">34% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">7% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">59% </strong>of people had negative sentiments </li> </ul> </div> </li> <li class="feature-row"> <div class="fr-top-info"> <div class="rank-wrap"><strong class="rank-hash">#</strong><strong class="rank-number">3</strong></p> <div class="feature-tippy-wrap"><span class="feature-name">Fraud and Security </span></p> <div class="tippy-wrap"><svg class="feature-row-tippy" data-tooltip-content="#feature-row-tippy-content-13" color="#171717" width="12" height="12" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="feature-row-tippy-content-13"> <div class="tippy-rank-heading">Ranked 3 out of 5 </div> <div class="tippy-rank-subheading">For Fraud and Security </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">27% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">6% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">67% </strong>of people had negative sentiments </li> </ul> </div> </div> </div> </div> </div> <div class="fr-bottom-bar sentiment-bar-tippy" data-tooltip-content="#sentiment-bar-tippy-content-13" style="--postive_bar: 27%; --neutral_bar: 6%; --negative_bar: 67%"> <div class="fr-bar positive-bar">27% </div> <div class="fr-bar neutral-bar">6% </div> <div class="fr-bar negative-bar">67% </div> </div> <div id="sentiment-bar-tippy-content-13"> <div class="tippy-rank-heading">Ranked 3 out of 5 </div> <div class="tippy-rank-subheading">For Fraud and Security </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">27% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">6% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">67% </strong>of people had negative sentiments </li> </ul> </div> </li> </ul> </div> <div class="cs-bottom-wrap"> <div class="cs-bottom-summary"> <p>Customers have mixed opinions about their experiences with Citizens Bank. Many customers appreciate the in-person assistance from staff at bank branches. However, there are frequent complaints about the bank’s app being buggy, crashing and having login issues. Additionally, there are complaints about how the bank manages accounts and handles fees, leading some users to consider switching banks.</p> </div> </div> </div> </div> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Pros & Cons","clickType":"Accordion","referenceText":"Citizens"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Fast closing time</li> <li>No application fee or closing costs</li> <li>0.25% interest rate discount if you use autopay from a Citizens checking account</li> </ul> </div> <div class="list-points cons"> <ul> <li>Not available nationwide</li> <li>Investment properties are ineligible</li> <li>Doesn’t disclose credit requirements</li> </ul> </div> </div> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Lender Details","clickType":"Accordion","referenceText":"Citizens"}'>Lender Details </div> <div class="c-tab--content list-points"> <p><b>Loan terms</b><br />Citizens Bank offers a 10-year draw period with a 15-year repayment period on its HELOCs. Loan amounts start at $17,500, and there is no annual fee for the first year. After a year, a $50 annual fee is charged to your credit line account unless you have another active Citizens account.</p> <p><b>Available in select states</b><br />Citizens’ HELOC is only available in Connecticut, Delaware, Florida, Illinois, Indiana, Kentucky, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia and Washington, D.C.</p> <p><b>How to apply</b><br />Borrowers can apply online, in person or by phone. Citizens’ phone-based customer support is available Monday through Friday, 7 a.m. to 10 p.m. ET, and Saturday to Sunday, 9 a.m. to 6 p.m. ET.</p> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div id="fifth_third_bank_best_for_rate_lock_flexibility_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <div data-ecom-container='{"componentTitle":"Fifth Third Bank","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-ecom-container='{"componentTitle":"Fifth Third Bank","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-ecom-product='{"itemId":"1020865","itemName":"Fifth Third Bank","itemBrand":"Bankrate","itemCategory":"Home Equity","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Bankrate","coupon":"","secondaryCallout":"","starRatings":4.4,"initialCost":0,"subscriptionCost":0}' id="fifth_third_bank"> <div class="featured-widget-label"></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for Rate Lock Flexibility</h2> <h3 class="card-title">Fifth Third Bank</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" data-component-title="Generic Product Widget" data-product-name="Fifth Third Bank" data-product-category="Best HELOC Rates" data-product-position="NA" data-product-badge="Best for Rate Lock Flexibility" data-product-rating="4.4" data-product-offer="No" data-wp-postid="1020865" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/12/Fifth-Third-logo-2c.png" alt="Fifth Third Bank"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.4</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 90%;"></span></div> <div class="rating-logo"><img decoding="async" loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">APRs starting at </p> <div class="fact-value-wrapper"> <p class="fact-value">7.90%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Loan amounts </p> <div class="fact-value-wrapper"> <p class="fact-value">$10,000 to $500,000</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Min. credit score </p> <div class="fact-value-wrapper"> <p class="fact-value">Does not disclose</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" data-component-title="Generic Product Widget" data-product-name="Fifth Third Bank" data-product-category="Best HELOC Rates" data-product-position="NA" data-product-badge="Best for Rate Lock Flexibility" data-product-rating="4.4" data-product-offer="No" data-wp-postid="1020865" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/12/Fifth-Third-logo-2c.png" alt="Fifth Third Bank"></a></div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Compare Rates" data-link-placement="Button Link" data-url="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" data-component-title="Generic Product Widget" data-product-name="Fifth Third Bank" data-product-category="Best HELOC Rates" data-product-position="NA" data-product-badge="Best for Rate Lock Flexibility" data-product-rating="4.4" data-product-offer="No" data-wp-postid="1020865" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><span>Compare Rates </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">Compare rates from participating lenders in your area via Bankrate.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="APRs starting at"> <div class="fact-value-wrapper"> <p class="fact-value">7.90%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Loan amounts"> <div class="fact-value-wrapper"> <p class="fact-value">$10,000 to $500,000</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Min. credit score"> <div class="fact-value-wrapper"> <p class="fact-value">Does not disclose</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Fifth Third Bank"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p>Fifth Third Bank customers can take advantage of a special rate-lock option that enables them to lock in a rate on any loan amount (on up to three accounts) for a $95 fee—a useful feature in a shaky rate environment. Borrowers can also unlock the rates at any time.</p> </div> <div class="accordion-tab ">Consumer Sentiment Index </div> <div class="c-tab--content-wrapper"> <div class="consumer-sentiment-index-wrap remove-empty-p-tags"> <div class="cs-inner-wrap"> <div class="cs-top-wrap"> <div class="cs-meter-wrap negative-sentiments"> <div class="csm-inner"> <div class="outer-svg-wrapper"> <div class="svg-wrapper"> <div class="dot-wrapper" style="--rotateDegree: 34deg"></div> <div><svg width="120" height="61" viewBox="0 0 120 61" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M87.659 10.0815C88.4002 8.74477 87.8971 7.06656 86.4987 6.4042C78.4091 2.57248 69.5321 0.563308 60.5218 0.54021C51.5116 0.517112 42.624 2.48075 34.514 6.27094C33.1121 6.92611 32.6 8.60172 33.334 9.94221C34.0681 11.2827 35.7702 11.7797 37.1753 11.1312C44.4608 7.76873 52.4295 6.02759 60.5071 6.0483C68.5847 6.069 76.544 7.85098 83.8114 11.2508C85.2131 11.9065 86.9178 11.4182 87.659 10.0815Z" fill="#FFB136"/><path d="M117.251 60.54C118.804 60.54 120.07 59.2817 119.997 57.7322C119.576 48.7679 117.145 39.9996 112.867 32.0808C108.59 24.162 102.589 17.3177 95.3196 12.0448C94.063 11.1333 92.3153 11.4993 91.4628 12.7959C90.6102 14.0924 90.9761 15.8281 92.2283 16.7457C98.7204 21.5031 104.084 27.6493 107.918 34.7484C111.753 41.8475 113.95 49.6999 114.367 57.7323C114.447 59.2815 115.698 60.54 117.251 60.54Z" fill="#0C7663"/><path d="M2.74888 60.54C1.19599 60.54 -0.0697603 59.2817 0.00298679 57.7322C0.42383 48.7679 2.85549 39.9996 7.13273 32.0808C11.41 24.162 17.4112 17.3177 24.6804 12.0448C25.937 11.1333 27.6847 11.4993 28.5372 12.7959C29.3898 14.0924 29.0239 15.8281 27.7717 16.7457C21.2796 21.5031 15.9163 27.6493 12.0818 34.7484C8.24732 41.8475 6.04951 49.6999 5.63333 57.7323C5.55306 59.2815 4.30177 60.54 2.74888 60.54Z" fill="#EB4015"/></svg></div> <div class="consumer-rating-number">2.1 </div> </div> </div> <div class="tippy-wrap"><svg class="cs-meter-index-tippy" data-tooltip-content="#cs-index-tippy-content-2" color="#4F5054" width="16" height="16" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="cs-index-tippy-content-2"> <div class="consumer-score-info"><strong class="consumer-score-number negative-sentiments">2.1/10</strong>Consumer Score </div> <div class="consumer-score-description">The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale. </div> </div> </div> </div> <div class="cs-index-text">Consumer Sentiment Index</div> </div> <div class="insight-analyzed-wrap"> <div class="ia-top-wrap"> <div class="ia-svg-wrap"><svg class="ia-svg" width="38" height="38" width="38" height="38" viewBox="0 0 38 38" fill="none" xmlns="http://www.w3.org/2000/svg"><mask id="mask0_886_10188" style="mask-type:luminance" maskUnits="userSpaceOnUse" x="3" y="3" width="32" height="32"><path d="M34.4375 3.56314H3.56841V34.4369H34.4375V3.56314Z" fill="white"/></mask><g mask="url(#mask0_886_10188)"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.37736 34.4369H8.70984C8.81479 34.4369 8.92129 34.4153 9.01853 34.3751C9.11731 34.335 9.20683 34.2748 9.28091 34.2007C9.355 34.1266 9.41674 34.0355 9.45687 33.9367C9.497 33.8395 9.51861 33.7345 9.51861 33.628V24.8413C9.51861 24.7348 9.497 24.6298 9.45687 24.531C9.41674 24.4322 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34.3751C12.2765 34.335 12.1869 34.2748 12.1113 34.2007C12.0372 34.125 11.977 34.0355 11.9369 33.9367C11.8952 33.8395 11.8752 33.7345 11.8752 33.628V17.1723C11.8752 17.0658 11.8952 16.9608 11.9369 16.862C11.977 16.7647 12.0372 16.6752 12.1113 16.5996C12.1869 16.5255 12.2765 16.4653 12.3737 16.4251C12.4725 16.3835 12.5774 16.3634 12.6839 16.3634H17.0149C17.2294 16.3634 17.4362 16.4483 17.5875 16.5996C17.7387 16.7524 17.8252 16.9577 17.8252 17.1723V33.628C17.8252 33.8426 17.7387 34.0479 17.5875 34.1991C17.4362 34.352 17.2294 34.4369 17.0149 34.4369Z" fill="#003186"/></g></svg></div> <div class="ia-wrapper"> <div class="ia-count">261,434 </div> <div class="tippy-wrap"><svg class="cs-ia-tippy" data-tooltip-content="#cs-ia-tippy-content-2" color="#171717" width="16" height="16" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="cs-ia-tippy-content-2"> <div class="cs-ia-tippy-content-heading">How do we calculate </div> <p class="cs-ia-tippy-content-subheading">We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5 </p> </div> </div> </div> </div> <div class="ia-text">Insights Analyzed </div> </div> </div> <div class="cs-middle-wrap"> <ul class="features-rows-wrap"> <li class="feature-row"> <div class="fr-top-info"> <div class="rank-wrap"><strong class="rank-hash">#</strong><strong class="rank-number">1</strong></p> <div class="feature-tippy-wrap"><span class="feature-name">Customer Service </span></p> <div class="tippy-wrap"><svg class="feature-row-tippy" data-tooltip-content="#feature-row-tippy-content-20" color="#171717" width="12" height="12" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="feature-row-tippy-content-20"> <div class="tippy-rank-heading">Ranked 1 out of 5 </div> <div class="tippy-rank-subheading">For Customer Service </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">24% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">1% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">75% </strong>of people had negative sentiments </li> </ul> </div> </div> </div> </div> </div> <div class="fr-bottom-bar sentiment-bar-tippy" data-tooltip-content="#sentiment-bar-tippy-content-20" style="--postive_bar: 24%; --neutral_bar: 1%; --negative_bar: 75%"> <div class="fr-bar positive-bar">24% </div> <div class="fr-bar neutral-bar">1% </div> <div class="fr-bar negative-bar">75% </div> </div> <div id="sentiment-bar-tippy-content-20"> <div class="tippy-rank-heading">Ranked 1 out of 5 </div> <div class="tippy-rank-subheading">For Customer Service </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">24% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">1% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">75% </strong>of people had negative sentiments </li> </ul> </div> </li> <li class="feature-row"> <div class="fr-top-info"> <div class="rank-wrap"><strong class="rank-hash">#</strong><strong class="rank-number">5</strong></p> <div class="feature-tippy-wrap"><span class="feature-name">Fees and Charges </span></p> <div class="tippy-wrap"><svg class="feature-row-tippy" data-tooltip-content="#feature-row-tippy-content-21" color="#171717" width="12" height="12" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="feature-row-tippy-content-21"> <div class="tippy-rank-heading">Ranked 5 out of 5 </div> <div class="tippy-rank-subheading">For Fees and Charges </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">4% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">2% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">94% </strong>of people had negative sentiments </li> </ul> </div> </div> </div> </div> </div> <div class="fr-bottom-bar sentiment-bar-tippy" data-tooltip-content="#sentiment-bar-tippy-content-21" style="--postive_bar: 4%; --neutral_bar: 2%; --negative_bar: 94%"> <div class="fr-bar positive-bar">4% </div> <div class="fr-bar neutral-bar">2% </div> <div class="fr-bar negative-bar">94% </div> </div> <div id="sentiment-bar-tippy-content-21"> <div class="tippy-rank-heading">Ranked 5 out of 5 </div> <div class="tippy-rank-subheading">For Fees and Charges </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">4% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">2% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">94% </strong>of people had negative sentiments </li> </ul> </div> </li> <li class="feature-row"> <div class="fr-top-info"> <div class="rank-wrap"><strong class="rank-hash">#</strong><strong class="rank-number">4</strong></p> <div class="feature-tippy-wrap"><span class="feature-name">Account Access and Management </span></p> <div class="tippy-wrap"><svg class="feature-row-tippy" data-tooltip-content="#feature-row-tippy-content-22" color="#171717" width="12" height="12" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="feature-row-tippy-content-22"> <div class="tippy-rank-heading">Ranked 4 out of 5 </div> <div class="tippy-rank-subheading">For Account Access and Management </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">32% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">4% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">64% </strong>of people had negative sentiments </li> </ul> </div> </div> </div> </div> </div> <div class="fr-bottom-bar sentiment-bar-tippy" data-tooltip-content="#sentiment-bar-tippy-content-22" style="--postive_bar: 32%; --neutral_bar: 4%; --negative_bar: 64%"> <div class="fr-bar positive-bar">32% </div> <div class="fr-bar neutral-bar">4% </div> <div class="fr-bar negative-bar">64% </div> </div> <div id="sentiment-bar-tippy-content-22"> <div class="tippy-rank-heading">Ranked 4 out of 5 </div> <div class="tippy-rank-subheading">For Account Access and Management </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">32% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">4% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">64% </strong>of people had negative sentiments </li> </ul> </div> </li> <li class="feature-row"> <div class="fr-top-info"> <div class="rank-wrap"><strong class="rank-hash">#</strong><strong class="rank-number">4</strong></p> <div class="feature-tippy-wrap"><span class="feature-name">Fraud and Security </span></p> <div class="tippy-wrap"><svg class="feature-row-tippy" data-tooltip-content="#feature-row-tippy-content-23" color="#171717" width="12" height="12" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="feature-row-tippy-content-23"> <div class="tippy-rank-heading">Ranked 4 out of 5 </div> <div class="tippy-rank-subheading">For Fraud and Security </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">12% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">3% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">85% </strong>of people had negative sentiments </li> </ul> </div> </div> </div> </div> </div> <div class="fr-bottom-bar sentiment-bar-tippy" data-tooltip-content="#sentiment-bar-tippy-content-23" style="--postive_bar: 12%; --neutral_bar: 3%; --negative_bar: 85%"> <div class="fr-bar positive-bar">12% </div> <div class="fr-bar neutral-bar">3% </div> <div class="fr-bar negative-bar">85% </div> </div> <div id="sentiment-bar-tippy-content-23"> <div class="tippy-rank-heading">Ranked 4 out of 5 </div> <div class="tippy-rank-subheading">For Fraud and Security </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">12% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">3% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">85% </strong>of people had negative sentiments </li> </ul> </div> </li> </ul> </div> <div class="cs-bottom-wrap"> <div class="cs-bottom-summary"> <p>Overall, customer reviews are generally negative for Fifth Third Bank’s services and mobile banking app. Many voice frustration with slow processing speeds, unclear communication about account holds and unexpected fees, poor customer service and unhelpful interactions with support staff. </p> </div> </div> </div> </div> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Pros & Cons","clickType":"Accordion","referenceText":"Fifth Third Bank"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>0.25% interest rate discount when auto-paying from a Fifth Third checking account</li> <li>Unique rate-lock option</li> <li>No closing costs</li> </ul> </div> <div class="list-points cons"> <ul> <li>Only available in 11 states</li> <li>Doesn’t disclose credit requirements</li> <li>Doesn’t disclose closing timeline</li> </ul> </div> </div> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Lender Details","clickType":"Accordion","referenceText":"Fifth Third Bank"}'>Lender Details </div> <div class="c-tab--content list-points"> <p><strong>Loan terms</strong><br />Fifth Third’s HELOCs are available in amounts from $10,000 to $500,000. Its HELOC has a 30-year term that starts with a 10-year draw period and a 20-year repayment period.</p> <p><strong>Available in select states</strong><br />Fifth Third offers HELOC loans in only 11 states: Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, South Carolina, Tennessee and West Virginia.</p> <p><strong>How to apply</strong><br />You can complete a lead form online, but in order to finish your HELOC application, you’ll need to meet with a Fifth Third Bank rep in person or over the phone. Phone-based customer support is available Monday through Friday, 8 a.m. to 6 p.m. ET and Saturday 10 a.m. to 4 p.m. ET. Fifth Third is closed on Sundays.</p> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div id="alliant_best_for_no_fees_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <div data-ecom-container='{"componentTitle":"Alliant Credit Union","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-ecom-container='{"componentTitle":"Alliant Credit Union","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-ecom-product='{"itemId":"1020879","itemName":"Alliant Credit Union","itemBrand":"Bankrate","itemCategory":"Home Equity","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Bankrate","coupon":"","secondaryCallout":"","starRatings":4.1,"initialCost":0,"subscriptionCost":0}' id="alliant_credit_union"> <div class="featured-widget-label"></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for no fees</h2> <h3 class="card-title">Alliant Credit Union</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" data-component-title="Generic Product Widget" data-product-name="Alliant Credit Union" data-product-category="Best HELOC Rates" data-product-position="NA" data-product-badge="Best for no fees" data-product-rating="4.1" data-product-offer="No" data-wp-postid="1020879" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/02/Alliant-Logo.png" alt="Alliant Credit Union"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.1</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 80%;"></span></div> <div class="rating-logo"><img decoding="async" loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">APRs starting at </p> <div class="fact-value-wrapper"> <p class="fact-value">8.00%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Loan amounts </p> <div class="fact-value-wrapper"> <p class="fact-value">Starting at $10,000</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Min. credit score </p> <div class="fact-value-wrapper"> <p class="fact-value">Does not disclose</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" data-component-title="Generic Product Widget" data-product-name="Alliant Credit Union" data-product-category="Best HELOC Rates" data-product-position="NA" data-product-badge="Best for no fees" data-product-rating="4.1" data-product-offer="No" data-wp-postid="1020879" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/02/Alliant-Logo.png" alt="Alliant Credit Union"></a></div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Compare Rates" data-link-placement="Button Link" data-url="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" data-component-title="Generic Product Widget" data-product-name="Alliant Credit Union" data-product-category="Best HELOC Rates" data-product-position="NA" data-product-badge="Best for no fees" data-product-rating="4.1" data-product-offer="No" data-wp-postid="1020879" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><span>Compare Rates </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">Compare rates from participating lenders in your area via Bankrate.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="APRs starting at"> <div class="fact-value-wrapper"> <p class="fact-value">8.00%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Loan amounts"> <div class="fact-value-wrapper"> <p class="fact-value">Starting at $10,000</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Min. credit score"> <div class="fact-value-wrapper"> <p class="fact-value">Does not disclose</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Alliant Credit Union"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p>Alliant doesn’t charge application fees, appraisal fees or closing costs on HELOCs up to $250,000. This is a generous discount compared to some lenders and can help reduce your overall borrowing costs.</p> <p>The lender also provides competitive interest rates, along with a low introductory rate for the first six months.</p> </div> <div class="accordion-tab ">Consumer Sentiment Index </div> <div class="c-tab--content-wrapper"> <div class="consumer-sentiment-index-wrap remove-empty-p-tags"> <div class="cs-inner-wrap"> <div class="cs-top-wrap"> <div class="cs-meter-wrap negative-sentiments"> <div class="csm-inner"> <div class="outer-svg-wrapper"> <div class="svg-wrapper"> <div class="dot-wrapper" style="--rotateDegree: 38deg"></div> <div><svg width="120" height="61" viewBox="0 0 120 61" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M87.659 10.0815C88.4002 8.74477 87.8971 7.06656 86.4987 6.4042C78.4091 2.57248 69.5321 0.563308 60.5218 0.54021C51.5116 0.517112 42.624 2.48075 34.514 6.27094C33.1121 6.92611 32.6 8.60172 33.334 9.94221C34.0681 11.2827 35.7702 11.7797 37.1753 11.1312C44.4608 7.76873 52.4295 6.02759 60.5071 6.0483C68.5847 6.069 76.544 7.85098 83.8114 11.2508C85.2131 11.9065 86.9178 11.4182 87.659 10.0815Z" fill="#FFB136"/><path d="M117.251 60.54C118.804 60.54 120.07 59.2817 119.997 57.7322C119.576 48.7679 117.145 39.9996 112.867 32.0808C108.59 24.162 102.589 17.3177 95.3196 12.0448C94.063 11.1333 92.3153 11.4993 91.4628 12.7959C90.6102 14.0924 90.9761 15.8281 92.2283 16.7457C98.7204 21.5031 104.084 27.6493 107.918 34.7484C111.753 41.8475 113.95 49.6999 114.367 57.7323C114.447 59.2815 115.698 60.54 117.251 60.54Z" fill="#0C7663"/><path d="M2.74888 60.54C1.19599 60.54 -0.0697603 59.2817 0.00298679 57.7322C0.42383 48.7679 2.85549 39.9996 7.13273 32.0808C11.41 24.162 17.4112 17.3177 24.6804 12.0448C25.937 11.1333 27.6847 11.4993 28.5372 12.7959C29.3898 14.0924 29.0239 15.8281 27.7717 16.7457C21.2796 21.5031 15.9163 27.6493 12.0818 34.7484C8.24732 41.8475 6.04951 49.6999 5.63333 57.7323C5.55306 59.2815 4.30177 60.54 2.74888 60.54Z" fill="#EB4015"/></svg></div> <div class="consumer-rating-number">2.4 </div> </div> </div> <div class="tippy-wrap"><svg class="cs-meter-index-tippy" data-tooltip-content="#cs-index-tippy-content-3" color="#4F5054" width="16" height="16" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="cs-index-tippy-content-3"> <div class="consumer-score-info"><strong class="consumer-score-number negative-sentiments">2.4/10</strong>Consumer Score </div> <div class="consumer-score-description">The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale. </div> </div> </div> </div> <div class="cs-index-text">Consumer Sentiment Index</div> </div> <div class="insight-analyzed-wrap"> <div class="ia-top-wrap"> <div class="ia-svg-wrap"><svg class="ia-svg" width="38" height="38" width="38" height="38" viewBox="0 0 38 38" fill="none" xmlns="http://www.w3.org/2000/svg"><mask id="mask0_886_10188" style="mask-type:luminance" maskUnits="userSpaceOnUse" x="3" y="3" width="32" height="32"><path d="M34.4375 3.56314H3.56841V34.4369H34.4375V3.56314Z" fill="white"/></mask><g mask="url(#mask0_886_10188)"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.37736 34.4369H8.70984C8.81479 34.4369 8.92129 34.4153 9.01853 34.3751C9.11731 34.335 9.20683 34.2748 9.28091 34.2007C9.355 34.1266 9.41674 34.0355 9.45687 33.9367C9.497 33.8395 9.51861 33.7345 9.51861 33.628V24.8413C9.51861 24.7348 9.497 24.6298 9.45687 24.531C9.41674 24.4322 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14.105C20.0311 14.5588 20.1314 15.0065 20.3212 15.4187C20.5126 15.8308 20.7905 16.1951 21.1362 16.4884C21.4835 16.7817 21.8894 16.9963 22.3262 17.1167C22.763 17.2371 23.2214 17.2618 23.669 17.1877C24.1166 17.1121 24.5426 16.9407 24.9177 16.686C25.2927 16.4298 25.6076 16.0948 25.8391 15.7058C26.0722 15.3152 26.2172 14.8799 26.2636 14.4276C26.3114 13.9768 26.2589 13.5199 26.1123 13.0908L26.0058 12.7836L29.6947 9.37975L29.9972 9.52023C30.4216 9.71782 30.8831 9.81662 31.3508 9.81198C31.8184 9.80581 32.2799 9.69621 32.6982 9.48781C33.118 9.28096 33.4854 8.98302 33.7725 8.61408C34.0611 8.24669 34.2633 7.81754 34.3651 7.36215C34.4655 6.90522 34.4624 6.43131 34.3559 5.97592C34.2494 5.52054 34.0426 5.09448 33.7493 4.73017C33.4561 4.36586 33.0856 4.07256 32.6643 3.87033C32.2429 3.66811 31.7814 3.56314 31.3137 3.56314ZM33.6289 12.5289C33.7354 12.5289 33.8404 12.5489 33.9376 12.5906C34.0364 12.6308 34.1259 12.691 34.2 12.7651C34.2741 12.8392 34.3358 12.9302 34.376 13.0275C34.4161 13.1263 34.4377 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34.3751C25.5335 34.4153 25.4285 34.4369 25.322 34.4369Z" fill="#007AC8"/><path fill-rule="evenodd" clip-rule="evenodd" d="M33.6286 12.5289C33.7351 12.5289 33.8401 12.5489 33.9373 12.5906C34.0361 12.6308 34.1256 12.691 34.1997 12.7651C34.2738 12.8392 34.3355 12.9302 34.3756 13.0275C34.4158 13.1263 34.4374 13.2312 34.4374 13.3378V33.628C34.4374 33.7345 34.4173 33.8395 34.3756 33.9367C34.3355 34.0355 34.2753 34.125 34.2012 34.2007C34.1256 34.2748 34.0361 34.335 33.9373 34.3751C33.8401 34.4168 33.7351 34.4369 33.6286 34.4369H29.2961C29.1896 34.4369 29.0847 34.4168 28.9874 34.3751C28.8887 34.335 28.7991 34.2748 28.7251 34.2007C28.651 34.1266 28.5892 34.0355 28.5491 33.9367C28.509 33.8395 28.4874 33.7345 28.4874 33.628V13.3378C28.4874 13.2312 28.509 13.1263 28.5491 13.0275C28.5892 12.9302 28.6494 12.8407 28.7251 12.7651C28.8007 12.6894 28.8887 12.6308 28.9874 12.5906C29.0847 12.5489 29.1896 12.5289 29.2961 12.5289H33.6286ZM17.0149 34.4369H12.6839C12.5774 34.4369 12.4725 34.4168 12.3737 34.3751C12.2765 34.335 12.1869 34.2748 12.1113 34.2007C12.0372 34.125 11.977 34.0355 11.9369 33.9367C11.8952 33.8395 11.8752 33.7345 11.8752 33.628V17.1723C11.8752 17.0658 11.8952 16.9608 11.9369 16.862C11.977 16.7647 12.0372 16.6752 12.1113 16.5996C12.1869 16.5255 12.2765 16.4653 12.3737 16.4251C12.4725 16.3835 12.5774 16.3634 12.6839 16.3634H17.0149C17.2294 16.3634 17.4362 16.4483 17.5875 16.5996C17.7387 16.7524 17.8252 16.9577 17.8252 17.1723V33.628C17.8252 33.8426 17.7387 34.0479 17.5875 34.1991C17.4362 34.352 17.2294 34.4369 17.0149 34.4369Z" fill="#003186"/></g></svg></div> <div class="ia-wrapper"> <div class="ia-count">261,434 </div> <div class="tippy-wrap"><svg class="cs-ia-tippy" data-tooltip-content="#cs-ia-tippy-content-3" color="#171717" width="16" height="16" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="cs-ia-tippy-content-3"> <div class="cs-ia-tippy-content-heading">How do we calculate </div> <p class="cs-ia-tippy-content-subheading">We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5 </p> </div> </div> </div> </div> <div class="ia-text">Insights Analyzed </div> </div> </div> <div class="cs-middle-wrap"> <ul class="features-rows-wrap"> <li class="feature-row"> <div class="fr-top-info"> <div class="rank-wrap"><strong class="rank-hash">#</strong><strong class="rank-number">2</strong></p> <div class="feature-tippy-wrap"><span class="feature-name">Customer Service </span></p> <div class="tippy-wrap"><svg class="feature-row-tippy" data-tooltip-content="#feature-row-tippy-content-30" color="#171717" width="12" height="12" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="feature-row-tippy-content-30"> <div class="tippy-rank-heading">Ranked 2 out of 5 </div> <div class="tippy-rank-subheading">For Customer Service </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">23% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">3% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">74% </strong>of people had negative sentiments </li> </ul> </div> </div> </div> </div> </div> <div class="fr-bottom-bar sentiment-bar-tippy" data-tooltip-content="#sentiment-bar-tippy-content-30" style="--postive_bar: 23%; --neutral_bar: 3%; --negative_bar: 74%"> <div class="fr-bar positive-bar">23% </div> <div class="fr-bar neutral-bar">3% </div> <div class="fr-bar negative-bar">74% </div> </div> <div id="sentiment-bar-tippy-content-30"> <div class="tippy-rank-heading">Ranked 2 out of 5 </div> <div class="tippy-rank-subheading">For Customer Service </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">23% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">3% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">74% </strong>of people had negative sentiments </li> </ul> </div> </li> <li class="feature-row"> <div class="fr-top-info"> <div class="rank-wrap"><strong class="rank-hash">#</strong><strong class="rank-number">1</strong></p> <div class="feature-tippy-wrap"><span class="feature-name">Fees and Charges </span></p> <div class="tippy-wrap"><svg class="feature-row-tippy" data-tooltip-content="#feature-row-tippy-content-31" color="#171717" width="12" height="12" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="feature-row-tippy-content-31"> <div class="tippy-rank-heading">Ranked 1 out of 5 </div> <div class="tippy-rank-subheading">For Fees and Charges </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">58% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">12% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">30% </strong>of people had negative sentiments </li> </ul> </div> </div> </div> </div> </div> <div class="fr-bottom-bar sentiment-bar-tippy" data-tooltip-content="#sentiment-bar-tippy-content-31" style="--postive_bar: 58%; --neutral_bar: 12%; --negative_bar: 30%"> <div class="fr-bar positive-bar">58% </div> <div class="fr-bar neutral-bar">12% </div> <div class="fr-bar negative-bar">30% </div> </div> <div id="sentiment-bar-tippy-content-31"> <div class="tippy-rank-heading">Ranked 1 out of 5 </div> <div class="tippy-rank-subheading">For Fees and Charges </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">58% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">12% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">30% </strong>of people had negative sentiments </li> </ul> </div> </li> <li class="feature-row"> <div class="fr-top-info"> <div class="rank-wrap"><strong class="rank-hash">#</strong><strong class="rank-number">5</strong></p> <div class="feature-tippy-wrap"><span class="feature-name">Account Access and Management </span></p> <div class="tippy-wrap"><svg class="feature-row-tippy" data-tooltip-content="#feature-row-tippy-content-32" color="#171717" width="12" height="12" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="feature-row-tippy-content-32"> <div class="tippy-rank-heading">Ranked 5 out of 5 </div> <div class="tippy-rank-subheading">For Account Access and Management </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">44% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">8% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">48% </strong>of people had negative sentiments </li> </ul> </div> </div> </div> </div> </div> <div class="fr-bottom-bar sentiment-bar-tippy" data-tooltip-content="#sentiment-bar-tippy-content-32" style="--postive_bar: 44%; --neutral_bar: 8%; --negative_bar: 48%"> <div class="fr-bar positive-bar">44% </div> <div class="fr-bar neutral-bar">8% </div> <div class="fr-bar negative-bar">48% </div> </div> <div id="sentiment-bar-tippy-content-32"> <div class="tippy-rank-heading">Ranked 5 out of 5 </div> <div class="tippy-rank-subheading">For Account Access and Management </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">44% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">8% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">48% </strong>of people had negative sentiments </li> </ul> </div> </li> <li class="feature-row"> <div class="fr-top-info"> <div class="rank-wrap"><strong class="rank-hash">#</strong><strong class="rank-number">5</strong></p> <div class="feature-tippy-wrap"><span class="feature-name">Fraud and Security </span></p> <div class="tippy-wrap"><svg class="feature-row-tippy" data-tooltip-content="#feature-row-tippy-content-33" color="#171717" width="12" height="12" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0C3.5888 0 0 3.5888 0 8C0 12.4112 3.5888 16 8 16C12.4112 16 16 12.4112 16 8C16 3.5888 12.4112 0 8 0ZM8 14.4C4.472 14.4 1.6 11.528 1.6 8C1.6 4.472 4.472 1.6 8 1.6C11.528 1.6 14.4 4.472 14.4 8C14.4 11.528 11.528 14.4 8 14.4Z" fill="currentColor"/><path d="M7.20053 7.2H8.80053V12H7.20053V7.2ZM7.20053 4H8.80053V5.6H7.20053V4Z" fill="currentColor"/></svg></p> <div id="feature-row-tippy-content-33"> <div class="tippy-rank-heading">Ranked 2 out of 5 </div> <div class="tippy-rank-subheading">For Fraud and Security </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">4% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">1% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">95% </strong>of people had negative sentiments </li> </ul> </div> </div> </div> </div> </div> <div class="fr-bottom-bar sentiment-bar-tippy" data-tooltip-content="#sentiment-bar-tippy-content-33" style="--postive_bar: 4%; --neutral_bar: 1%; --negative_bar: 95%"> <div class="fr-bar positive-bar">4% </div> <div class="fr-bar neutral-bar">1% </div> <div class="fr-bar negative-bar">95% </div> </div> <div id="sentiment-bar-tippy-content-33"> <div class="tippy-rank-heading">Ranked 2 out of 5 </div> <div class="tippy-rank-subheading">For Fraud and Security </div> <ul class="tippy-rank-sentiments"> <li class="rank-sentiment positive"><strong class="rank-sentiment-percent">4% </strong>of people had positive sentiments </li> <li class="rank-sentiment neutral"><strong class="rank-sentiment-percent">1% </strong>of people had neutral sentiments </li> <li class="rank-sentiment negative"><strong class="rank-sentiment-percent">95% </strong>of people had negative sentiments </li> </ul> </div> </li> </ul> </div> <div class="cs-bottom-wrap"> <div class="cs-bottom-summary"> <p>Customer sentiment for Alliant’s HELOCs and overall services are mixed. Many customers appreciate the credit union’s competitive rates and easy-to-use digital platforms. However, others report issues with customer service, including poor communication, delays in resolving disputes, unauthorized account actions and general unhelpfulness.</p> </div> </div> </div> </div> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Pros & Cons","clickType":"Accordion","referenceText":"Alliant Credit Union"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>No application fees, appraisal fees or closing costs for HELOCS up to $250,000</li> <li>Competitive rates (including a low introductory rate)</li> <li>Fully online application process</li> </ul> </div> <div class="list-points cons"> <ul> <li>Must be a member of the credit union to accept a loan (but can apply without membership)</li> <li>Not available in all states</li> <li>Doesn’t disclose minimum credit score requirements</li> </ul> </div> </div> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Lender Details","clickType":"Accordion","referenceText":"Alliant Credit Union"}'>Lender Details </div> <div class="c-tab--content list-points"> <p><strong>Loan terms</strong><br />HELOCs from Alliant start at $10,000 (minimum of $25,001 for residents of Wisconsin and Washington, D.C.). Closing costs and other fees are waived for credit lines of up to $250,000. Alliant HELOCs come with a 10-year draw period and a repayment period of up to 20 years.</p> <p><strong>Not available nationwide</strong><br />Alliant’s HELOCs are available in only 25 states and Washington, D.C.</p> <p><strong>How to apply</strong><br />You can apply for an Alliant HELOC online in just a few minutes. Customer support is available by phone Monday through Friday from 7 a.m. to 8 p.m. CT, as well as Saturday and Sunday from 9 a.m. to 6 p.m. CT. You can also live chat with a customer service representative Monday through Friday from 7 a.m. to 8 p.m. CT.</p> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div id="summary_best_heloc_rates_section" class="article-section toc-section-element toc-element " > <h2>Summary: Best HELOC Rates </h2> <div class="section-content wysiwyg-content blue-bullets "> <div class="mkpl-shortcode-instance variation-2" data-custom-value="mkpl-tables-1261502" data-variation="variation-2" data-ecom-container='{"componentTitle":"","componentType":"Simple Table"}'> <div class="mkpl-mobile-table-container" style="display: none"> <div class="mkpl-table-inner-container"> <div class="mkpl-mobile-table-scroll"> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/06/Connexus-Credit-Union-Share-Certificate.png" class="mkpl-product-image" alt="Connexus" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Connexus","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' >Connexus</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">5.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><span class="primary-font">Compare Rates</span></a></div><div class="mkpl-cta-subtext primary-font">Compare rates from participating lenders in your area via Bankrate.com</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Aprs Starting At </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">8.62%</div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Loan Amount </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">$5,000 to $200,000</div> </div> </div> <div class="mkpl-single-column cell cell-col-4"> <div class="mkpl-col-name"> Min. Credit Score </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">640</div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/07/citizens-bank-logo-1-logo-png-transparent-2048x230-1-1.png" class="mkpl-product-image" alt="Citizens" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Citizens","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' >Citizens</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.6</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><span class="primary-font">Compare Rates</span></a></div><div class="mkpl-cta-subtext primary-font">Compare rates from participating lenders in your area via Bankrate.com</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Aprs Starting At </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">7.75%</div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Loan Amount </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">$17,500 to $400,000 </div> </div> </div> <div class="mkpl-single-column cell cell-col-4"> <div class="mkpl-col-name"> Min. Credit Score </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">Does not publicly disclose </div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2022/06/Fifth-third-bank.png" class="mkpl-product-image" alt="Fifth Third Bank" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Fifth Third Bank","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' >Fifth Third Bank</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.4</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><span class="primary-font">Compare Rates</span></a></div><div class="mkpl-cta-subtext primary-font">Compare rates from participating lenders in your area via Bankrate.com</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Aprs Starting At </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">7.90%</div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Loan Amount </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">$10,000 to $500,000</div> </div> </div> <div class="mkpl-single-column cell cell-col-4"> <div class="mkpl-col-name"> Min. Credit Score </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">Does not disclose</div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2022/02/Alliant-Logo.png" class="mkpl-product-image" alt="Alliant Credit Union" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Alliant Credit Union","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' >Alliant Credit Union</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.1</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><span class="primary-font">Compare Rates</span></a></div><div class="mkpl-cta-subtext primary-font">Compare rates from participating lenders in your area via Bankrate.com</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Aprs Starting At </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">8.00%</div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Loan Amount </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">Starting at $10,000</div> </div> </div> <div class="mkpl-single-column cell cell-col-4"> <div class="mkpl-col-name"> Min. Credit Score </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">Does not disclose</div> </div> </div> </div> </div> </div> </div> <div class="mkpl-desktop-table-container" style="display: none" id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="6" class="mkpl-simple_tables table style-1" style="text-align: left"> <tr class="thead" style=""> <th width="20%" style="text-align: left" class="primary-font"> COMPANY </th> <th style="text-align: left" class="primary-font"> FORBES ADVISOR RATING </th> <th style="text-align: left" class="primary-font"> APRs STARTING AT </th> <th style="text-align: left" class="primary-font"> LOAN AMOUNT </th> <th style="text-align: left" class="primary-font"> MIN. CREDIT SCORE </th> <th width="25%" style="text-align: left" class="primary-font"> LEARN MORE </th> </tr> <tr style="background-color: #f8f8f8"> <td width="20%" width="20%" class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/06/Connexus-Credit-Union-Share-Certificate.png" class="mkpl-product-image" alt="Connexus" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Connexus","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' >Connexus</a></div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">5.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">8.62%</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$5,000 to $200,000</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">640</div> </td> <td width="25%" width="25%" class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><span class="primary-font">Compare Rates</span></a></div><div class="mkpl-cta-subtext primary-font">Compare rates from participating lenders in your area via Bankrate.com</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td width="20%" class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/07/citizens-bank-logo-1-logo-png-transparent-2048x230-1-1.png" class="mkpl-product-image" alt="Citizens" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Citizens","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' >Citizens</a></div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.6</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">7.75%</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$17,500 to $400,000 </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Does not publicly disclose </div> </td> <td width="25%" class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><span class="primary-font">Compare Rates</span></a></div><div class="mkpl-cta-subtext primary-font">Compare rates from participating lenders in your area via Bankrate.com</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td width="20%" class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2022/06/Fifth-third-bank.png" class="mkpl-product-image" alt="Fifth Third Bank" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Fifth Third Bank","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' >Fifth Third Bank</a></div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.4</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">7.90%</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$10,000 to $500,000</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Does not disclose</div> </td> <td width="25%" class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><span class="primary-font">Compare Rates</span></a></div><div class="mkpl-cta-subtext primary-font">Compare rates from participating lenders in your area via Bankrate.com</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td width="20%" class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2022/02/Alliant-Logo.png" class="mkpl-product-image" alt="Alliant Credit Union" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Alliant Credit Union","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' >Alliant Credit Union</a></div></div> </td> <td class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.1</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">8.00%</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Starting at $10,000</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Does not disclose</div> </td> <td width="25%" class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/heloc-link-forbes/?sub-id=best-heloc-rates" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/heloc-link-forbes\/?sub-id=best-heloc-rates","partnerName":"Bankrate"}' ><span class="primary-font">Compare Rates</span></a></div><div class="mkpl-cta-subtext primary-font">Compare rates from participating lenders in your area via Bankrate.com</div></div> </td> </tr> </table> <div class="mkpl-table-navigation-arrows"> <button type="button" id="left-arrow" data-ecom-misc-click='{"clickText":"Left","clickType":"Button","referenceText":""}'> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow" data-ecom-misc-click='{"clickText":"Right","clickType":"Button","referenceText":""}'> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <button type="button" class="primary-font" id="seeMoreBtn" style="display: none;" data-ecom-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button type="button" class="primary-font" id="seeLessBtn" style="display: none;" data-ecom-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div> </div> </div> <hr/> <div id="current_heloc_rates_section" class="article-section toc-section-element toc-element " > <h2>Current HELOC Rates</h2> <div class="section-content wysiwyg-content blue-bullets "> <div style="min-height: 397px;"><script type="text/javascript" defer src="https://datawrapper.dwcdn.net/59RGD/embed.js?v=1" charset="utf-8"></script><noscript><img decoding="async" loading="lazy" src="https://datawrapper.dwcdn.net/59RGD/full.png" alt="" /></noscript></div> </div> </div> <hr/> <div id="how_does_a_heloc_work_section" class="article-section toc-section-element toc-element " > <h2>How Does a HELOC Work?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>A HELOC is a type of <a href="https://www.forbes.com/advisor/home-equity/second-mortgage/"data-ecom-link='{"clickText":"second mortgage","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/home-equity\/second-mortgage\/","clickType":"internal"}'>second mortgage</a> that allows homeowners to tap into their equity. With a HELOC, you have access to a revolving line of credit that you can borrow from on a repeated basis—similar to a credit card.</p> <h3>Loan Amounts</h3> <p>How much you can borrow with a <a href="https://www.forbes.com/advisor/home-equity/what-is-a-home-equity-line-of-credit/"data-ecom-link='{"clickText":"HELOC","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/home-equity\/what-is-a-home-equity-line-of-credit\/","clickType":"internal"}'>HELOC</a> depends on the lender, your credit score and your income, as well as your:</p> <ul> <li><strong>Home equity:</strong> This is the difference between what you owe on your first mortgage and your home’s current appraised value.</li> <li><strong>CLTV ratio:</strong> To calculate this, add the balances of your primary mortgage and any other loans that use your home as collateral (such as another home equity loan) to the amount you’d like to borrow with a HELOC. You’ll then divide this number by your home’s appraised value.</li> </ul> <p>Depending on the lender, you can typically borrow up to 80% or 85% (even 90%, in some cases) of your CLTV ratio with a HELOC.</p> <h3>Draw and Repayment Periods</h3> <p>The life of a HELOC is split into two periods—the draw period and the repayment period. During the draw period—which typically ranges from 10 to 15 years—you can borrow on an as-needed basis up to your credit limit. During this time, you’ll generally only have to make interest payments, though you have the option to make payments toward your principal balance. After this, you’ll enter the repayment period—which usually lasts up to 20 years—and can no longer borrow. Instead, you’ll begin paying back what you’ve borrowed, including both principal and interest.</p> <h3>Collateral</h3> <p>Like other mortgages, a HELOC is secured using your home as collateral. This reduces the lender’s risk, which in turn can translate to lower interest rates compared to other financing options like credit cards and personal loans. However, this also means you risk losing your home if you can’t make your payments.</p> </div> </div> <hr/> <div id="how_do_heloc_interest_rates_work_section" class="article-section toc-section-element toc-element " > <h2>How Do HELOC Interest Rates Work?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Many lenders use the <a href="https://www.forbes.com/advisor/investing/prime-rate/"data-ecom-link='{"clickText":"prime rate","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/prime-rate\/","clickType":"internal"}'>prime rate</a> as an index to determine HELOC interest rates. The prime rate is what a lender charges its best customers on loans (generally those least likely to default) and is used to set a benchmark on other products like HELOCs. This rate in turn can fluctuate based on the Federal Reserve making adjustments to the federal funds rate. HELOCs typically have variable interest rates, which can increase or decrease over time according to market conditions. Some lenders also provide the option to convert some or all of your HELOC balance into a fixed-rate loan to avoid future rate hikes. Other factors, such as your credit score, <a href="https://www.forbes.com/advisor/mortgages/what-is-my-debt-to-income-ratio/"data-ecom-link='{"clickText":"debt-to-income (DTI) ratio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/mortgages\/what-is-my-debt-to-income-ratio\/","clickType":"internal"}'>debt-to-income (DTI) ratio</a> and equity, can also impact the HELOC rates you’re offered.</p> </div> </div> <hr/> <div id="how_to_get_the_best_heloc_rate_section" class="article-section toc-section-element toc-element " > <h2>How To Get the Best HELOC Rate</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Here are some strategies that can help you qualify for an ideal HELOC rate:</p> <ul> <li><strong>Compare lenders.</strong> Different lenders offer varying rates. Taking the time to shop around and compare your options from as many <a href="https://www.forbes.com/advisor/home-equity/best-heloc-lenders/"data-ecom-link='{"clickText":"HELOC lenders","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/home-equity\/best-heloc-lenders\/","clickType":"internal"}'>HELOC lenders</a> as possible can help you find a good deal.</li> <li><strong>Improve your credit.</strong> Your credit plays a major part in determining the rates you’re offered—in general, the higher your credit score, the better your rate. <a href="https://www.forbes.com/advisor/credit-score/how-to-build-credit-fast/"data-ecom-link='{"clickText":"Building your credit","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/credit-score\/how-to-build-credit-fast\/","clickType":"internal"}'>Building your credit</a> before applying can help you qualify for an ideal rate.</li> <li><strong>Reduce your DTI ratio.</strong> Your DTI ratio compares your income to your monthly debt payments. It can be lowered by paying down existing debts or increasing your income, which in turn can prompt lenders to offer you better rates.</li> <li><strong>Build equity.</strong> Having a substantial amount of equity in your home makes you a less risky investment in the eyes of lenders, which can translate to getting a lower rate. It also lowers your CLTV ratio, making it easier to qualify. You can build equity in your home by paying more on your monthly payments to your mortgage principal.</li> <li><strong>Consider a shorter term.</strong> Lenders generally offer lower rates on loans with shorter terms. Picking a shorter term will also save you money on interest over the life of the loan.</li> </ul> </div> </div> <hr/> <div id="heloc_alternatives_section" class="article-section toc-section-element toc-element " > <h2>HELOC Alternatives</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>If a HELOC doesn’t seem right for you, here are some alternatives to consider:</p> <ul> <li><strong>Home equity loan:</strong> A <a href="https://www.forbes.com/advisor/home-equity/best-home-equity-loan-lenders/"data-ecom-link='{"clickText":"home equity loan","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/home-equity\/best-home-equity-loan-lenders\/","clickType":"internal"}'>home equity loan</a> is another option for homeowners who want to top into their equity. Unlike a HELOC, a home equity loan provides a lump sum that you can use however you wish—similar to a personal loan. Rates on home equity loans are typically fixed, making payments more predictable. Just remember that, as with other mortgages, your home acts as collateral for a home equity loan, and it can be foreclosed on if you don’t make your payments.</li> <li><strong>Credit card:</strong> If you have smaller or recurring expenses, a <a href="https://www.forbes.com/advisor/credit-cards/best-credit-cards/"data-ecom-link='{"clickText":"credit card","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/credit-cards\/best-credit-cards\/","clickType":"internal"}'>credit card</a> could be a good option if you still want access to a revolving credit line. Some cards provide a 0% annual percentage rate (APR) introductory offer for a period of time, which means you can avoid interest if you repay your balance before this period ends. Keep in mind that if you can’t afford to pay off your card in time, you could get stuck with steep interest charges.</li> <li><strong>Personal loan:</strong> A <a href="https://www.forbes.com/advisor/personal-loans/best-personal-loans/"data-ecom-link='{"clickText":"personal loan","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans\/","clickType":"internal"}'>personal loan</a> can also be an ideal option. Most personal loans are unsecured and generally have lower rates than credit cards. Like a home equity loan, a personal loan provides a lump sum you can use to cover almost any expense.</li> </ul> </div> </div> <hr/> <div id="methodology_section" class="article-section toc-section-element toc-element " > <h2>Methodology</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>We reviewed nearly 20 mortgage lenders that offer home equity lines of credit for customers across the U.S. Lenders that do not display their interest rates online are not eligible for review. We scored lenders primarily on the basis of their interest rates but added additional information that’s most important to borrowers, such as time to close, discounts or promotional rates offered, closing costs, minimum credit score requirements, general loan terms and the consumer sentiment index. The score is weighted evenly among the following loan and lender features:</p> <ul> <li><strong>Interest rate:</strong> 17.50%</li> <li><strong>Accessibility:</strong> 7.50%</li> <li><strong>Customer service experience:</strong> 5.00%</li> <li><strong>Loan options:</strong> 8.75%</li> <li><strong>Closing timelines:</strong> 8.75%</li> <li><strong>Loan amounts:</strong> 5.00%</li> <li><strong>Consumer sentiment index:</strong> 40.00%</li> <li><strong>Discounts and lender perks:</strong> 7.50%</li> </ul> </div> </div> <hr/><div id="frequently_asked_questions_faqs_section" class="faq-section article-section toc-section-element toc-element"> <h2 class="title"> Frequently Asked Questions (FAQs) </h2> <div class="main-faqs faq-2021 faq-v2" data-ecom-container='{"componentTitle":"Frequently Asked Questions (FAQs)","componentType":"FAQ Component"}'> <div class="faqs" data-ecom-misc-click='{"clickText":"What is a good rate on a HELOC right now?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What is a good rate on a HELOC right now?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Generally, a good rate is considered to be a rate below the national average. As of December 18, 2024, average rates on $100,000 HELOCs were as follows based on loan-to-value (LTV) ratio, according to data from Curinos:</p> <ol style="list-style: disc;"> <li><strong>60% LTV:</strong> 8.41%</li> <li><strong>80% LTV:</strong> 8.60%</li> <li><strong>90% LTV:</strong> 9.53%</li> </ol> </div> </div> <div class="faqs" data-ecom-misc-click='{"clickText":"Does a HELOC require an appraisal?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Does a HELOC require an appraisal?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Generally, yes, the lender will order an <a href="https://www.forbes.com/advisor/mortgages/how-home-appraisals-work/">appraisal</a> to estimate the current value of your home. This in turn will be used to determine if you qualify for a HELOC and your potential loan amount.</p> </div> </div> <div class="faqs" data-ecom-misc-click='{"clickText":"What is the downside of a HELOC?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What is the downside of a HELOC?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>The biggest downside of a HELOC is that it uses your home as collateral. This means you risk having your house seized by the lender if you can’t keep up with your payments.</p> </div> </div> </div> </div> <hr/> <div id="next_up_in_home_equity_section" class="article-section toc-section-element toc-element " > <h2>Next Up In Home Equity</h2> <div class="section-content wysiwyg-content blue-bullets "> <ul> <li><a href="https://www.forbes.com/advisor/home-equity/best-home-equity-loan-lenders/" data-ecom-fallback-scanned=""data-ecom-link='{"clickText":"Best Home Equity Loan Lenders Of February 2025","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/home-equity\/best-home-equity-loan-lenders\/","clickType":"internal"}'>Best Home Equity Loan Lenders Of February 2025</a></li> <li><a href="https://www.forbes.com/advisor/home-equity/how-much-money-can-you-borrow-with-a-heloc/" data-ecom-fallback-scanned=""data-ecom-link='{"clickText":"How Much HELOC Money Can I Get?","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/home-equity\/how-much-money-can-you-borrow-with-a-heloc\/","clickType":"internal"}'>How Much HELOC Money Can I Get?</a></li> <li><a href="https://www.forbes.com/advisor/home-equity/best-ways-tap-home-equity/" data-ecom-fallback-scanned=""data-ecom-link='{"clickText":"Best Ways To Tap Your Home Equity","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/home-equity\/best-ways-tap-home-equity\/","clickType":"internal"}'>Best Ways To Tap Your Home Equity</a></li> <li><a href="https://www.forbes.com/advisor/home-equity/interest-only-heloc/" data-ecom-fallback-scanned=""data-ecom-link='{"clickText":"Interest-Only HELOC Ultimate Guide","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/home-equity\/interest-only-heloc\/","clickType":"internal"}'>Interest-Only HELOC Ultimate Guide</a></li> <li><a href="https://www.forbes.com/advisor/home-equity/what-is-a-home-equity-line-of-credit/" data-ecom-fallback-scanned=""data-ecom-link='{"clickText":"What Is A Home Equity Line Of Credit?","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/home-equity\/what-is-a-home-equity-line-of-credit\/","clickType":"internal"}'>What Is A Home Equity Line Of Credit?</a></li> <li><a href="https://www.forbes.com/advisor/home-equity/ways-to-get-best-heloc-rates/" data-ecom-fallback-scanned=""data-ecom-link='{"clickText":"Ways To Get The Best HELOC Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/home-equity\/ways-to-get-best-heloc-rates\/","clickType":"internal"}'>Ways To Get The Best HELOC Rates</a></li> </ul> </div> </div> <hr/> </div> </div> </div> </div> <div class="article__editors-note article__editors-note-bottom"> Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.<br/> <br/> Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our <a class="disclosure-link" title="Advertiser Disclosure" target="_blank" href="https://www.forbes.com/advisor/advertiser-disclosure/">partners</a>. </div> <div class="contrib bottom-contrib-block"> <style> .article__author-bio-top .author__block{display: flex; align-items: center;} .article__author-bio-top .author__block-content { font-family: 'Work Sans', sans-serif;} .article__author-bio-top .author__block-content .author__block-name{padding-right: 10px; font-weight: 500;} .article__author-bio-top .author__block-content .author__block-role{margin-left: 0; width:auto; max-width: 100%; white-space: nowrap; overflow: hidden; text-overflow: ellipsis;} .article__author-bio-bottom > p > a { color: #003891;} .article__author-bio-bottom > p > a:hover { text-decoration: underline;} .article__author-bio-bottom > p > strong, .article__author-bio-bottom > p > b { font-weight: bold;} .article__author-bio-bottom > p > s, .article__author-bio-bottom > p > strike { text-decoration: strike-through;} </style> <div class="article__author-bio" data-ecom-container='{"componentTitle":"","componentType":"Author Bio"}'> <div class="single-author"> <div class="article__author-bio-top"> <div class="author__block author__block-no-border author__block-no-margin"> <div class="author__block-image-wrap"> <a href="https://www.forbes.com/advisor/author/aharrison/" title="Ashley Harrison" target="_blank" data-ecom-link='{"clickText":"Ashley Harrison","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/aharrison\/","clickType":"internal"}'> <img class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 photo" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/AHarrison-88x88.jpeg" width="64" height="64" alt="Ashley Harrison" > </a> </div> <div class="author__block-content"> <div class="author-heading"> <a href="https://www.forbes.com/advisor/author/aharrison/" target="_blank" class="author__block-name" data-ecom-link='{"clickText":"Ashley Harrison","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/aharrison\/","clickType":"internal"}'>Ashley Harrison</a> </div> <span class="author__block-role">Lead Editor, Mortgages & Loans</span> </div> </div> </div> <div class="article__author-bio-bottom"> <p> Ashley is a lead editor of mortgages and loans at Forbes Advisor. She graduated from Utah Tech University with a bachelor’s in English with an emphasis in creative writing. She began her career covering student loan content at Student Loan Hero before covering both mortgage and loans at Credible and USA Today Blueprint. In her free time, Ashley is a big horror fan who loves scaring herself with spooky stories and video games, as well as playing with her black cats, Salem and Binx. </p> </div> </div>  <div class="single-author"> <div class="article__author-bio-top"> <div class="author__block author__block-no-border author__block-no-margin"> <div class="author__block-image-wrap"> <a href="https://www.forbes.com/advisor/author/cbasile/" title="Caroline Basile" target="_blank" data-ecom-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'> <img loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/100x/https://www.forbes.com/advisor/wp-content/uploads/2023/05/caroline-basile-scaled-e1725952198721.jpg" width="64" height="64" alt="Caroline Basile" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 photo avatar-default"> </a> </div> <div class="author__block-content"> <div class="author-heading"> <a href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" class="author__block-name" data-ecom-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'>Caroline Basile</a> </div> <span class="author__block-role">Mortgages and Student Loans Deputy Editor</span> </div> </div> </div> <div class="article__author-bio-bottom"> <p> Caroline Basile is Forbes Advisor’s student loans and mortgages deputy editor. With experience in both the mortgage industry and as a journalist, she was previously an editor with HousingWire, where she produced daily news and feature stories. She holds a degree in journalism from the University of North Texas. 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As of December 18, 2024, average rates on $100,000 HELOCs were as follows based on loan-to-value (LTV) ratio, according to data from Curinos:<\/p>\n<ol style=\"list-style: disc;\">\n<li><strong>60% LTV:<\/strong> 8.41%<\/li>\n<li><strong>80% LTV:<\/strong> 8.60%<\/li>\n<li><strong>90% LTV:<\/strong> 9.53%<\/li>\n<\/ol>\n" } },{ "@type": "Question", "name": "Does a HELOC require an appraisal?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Generally, yes, the lender will order an <a href=\"https:\/\/www.forbes.com\/advisor\/mortgages\/how-home-appraisals-work\/\">appraisal<\/a> to estimate the current value of your home. This in turn will be used to determine if you qualify for a HELOC and your potential loan amount.<\/p>\n" } },{ "@type": "Question", "name": "What is the downside of a HELOC?", "acceptedAnswer": { "@type": "Answer", "text": "<p>The biggest downside of a HELOC is that it uses your home as collateral. 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var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } function sanitizeCookieValue(value) { return encodeURIComponent(value).replace(/[^a-zA-Z0-9%]/g, ''); } /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } var cookieVal = document.cookie.substring(len, end); cookieVal = sanitizeCookieValue(cookieVal); return cookieVal; } /* * Create a cookie for forbes.com dommain * */ function set(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.' + getSubDomain(); today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_CLIENT_ID = window?.annotationKey + '_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var clientId = __cookie.get(COOKIE_CLIENT_ID); if(clientId){ userid = clientId; }else{ var prefix = (typeof ecomBase !== 'undefined' && ecomBase?.tidPrefix) ? ecomBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS ); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO); } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1); //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 'body a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST || hostName === LINKSYNERGY_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow noopener", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } })(__cookieController, __helper, __linkprefetch); //set cookie values __linkTrackingController.setCookie(); function detectIsIE(){ var ua = window.navigator.userAgent; var msie = ua.indexOf("MSIE "); // IE browser check if (msie > 0 || !!navigator.userAgent.match(/Trident.*rv\:11\./)) { return true; } return false; } document.addEventListener('DOMContentLoaded', function () { //set user id var event; // The 'new Event' code is not supported in IE so update code for IE if(detectIsIE()){ event = document.createEvent('Event'); event.initEvent('tidSet', true, true); } else{ event = new Event('tidSet'); } window.dispatchEvent(event); window.__mpctc = (function(){ return { 'userid': function(){ return __linkTrackingController.getUserIdHash(); }, 'tid': function(){ return (__linkTrackingController.getTrackingIdHash()).tid } } })(); }); </script> <script> window.shortcodesOnPage = ["myfi_generic_widget","generic_product_widget","related"]; if(window.dataLayer){ window.dataLayer.push({ 'shortcodesOnPage': window.shortcodesOnPage }); } window.shortcodesPartnersOnPage = ["MyFinance"]; </script><script type="text/javascript"> var e2e = (function(){ var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var analyticsParams = { pageview_event: 'pageview', bankrate_event: 'bankrate', page_template: 'Top N Non-CC - 2021', tid: __linkTrackingController.USER_ID_HASH, session_pageview_count: '1', original_tracking_param: '', original_tracking_param_value: '', referrer_host: '', referrer_url: document.referrer, author_name: 'Ashley Harrison', author_role: 'Lead Editor, Mortgages & Loans', primary_category: 'Home Equity', secondary_category: '', published_date: 'December 19, 2024', updated_date: 'Feb 19, 2025', ra_feed_enabled: 0 }; /** * Logs Event to Database * @param args */ function log(args){ var analyticsData = args || {}; var wp_action = { 'token': '0f2b8b69e6', 'action': 'e2e_logging', }; var data = Object.assign({},wp_action,analyticsData); if( Object.keys(analyticsData).length !== 0 ){ fetch('https://www.forbes.com/advisor/wp-admin/admin-ajax.php', { method: "POST", body: new URLSearchParams(data).toString(), headers: { "Content-type": "application/x-www-form-urlencoded; charset=UTF-8" } }) } } /** * Sets GTAG User ID */ function setGtagUserId(){ gtag('set', {'user_id': __linkTrackingController.USER_ID_HASH}); } /** * Logs Page View Event to database * @param a */ function logPageView(a){ var args = a || {}; var event = ( args.hasOwnProperty('event') && !!args.event ) ? args.event : analyticsParams.pageview_event; log({ event: event, template: analyticsParams.page_template, tid: analyticsParams.tid, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, }); } /** * Check for a valid html element * @param element */ function isElement(element) { return element instanceof Element || element instanceof HTMLDocument; } /** * Sends Page View Event to analytics * @param params */ function sendPageviewEvent(params){ window.dataLayer.push({ 'cd': { 'ReferrerHost': analyticsParams.referrer_host, 'ReferrerUrl': analyticsParams.referrer_url } }); } /** * Sends Multiple (Total 2) Page View Events to analytics in 10 seconds interval */ function sendPageviewEventMultiple(){ var statusCount = 1; var totalExecCount = 2; var initialTime = 10; var increment = 10; var eventName = analyticsParams.pageview_event; var recursiveAnalyticscall = setInterval(function(){ var newEventName = eventName + '-' + initialTime; sendPageviewEvent({event:newEventName}); if( statusCount === totalExecCount ){ clearInterval(recursiveAnalyticscall); } initialTime += increment; statusCount++; },10000); } function e2eSendPageView(){ sendPageviewEvent(); // sendPageviewEventMultiple(); } /** * Gets host name from a url string * @param url * @returns {string} */ function getHostName(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return url; } /** * Logs bankrate click event to database */ function logBankrateEvent(){ log({ event: analyticsParams.bankrate_event, cc_name: analyticsParams.cc_name, info: analyticsParams.cta_info, placement: analyticsParams.cta_placement, template: analyticsParams.page_template, tid: analyticsParams.tracking_id, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, product_id : analyticsParams.product_id, product_position : analyticsParams.product_position }); } /** * Sends Bankrate click Event to analytics */ function sendBankrateEvent(){ window.dataLayer.push({ 'cd': { 'BankrateClickCardName': analyticsParams.cc_name, 'BankrateClickCTA': analyticsParams.cta_info, 'ProductType': analyticsParams.product_type, 'ProductId': analyticsParams.product_id, 'BankrateClickPosition': analyticsParams.product_position, 'CardCategoryTabName': analyticsParams.card_category_tab_name, } }); } function sendBankrateClickEvent(targetEl) { if(isElement(targetEl) && targetEl.tagName.toLowerCase() === 'a'){ var href = targetEl.getAttribute('href'); var host_name = getHostName(href); if (!!host_name && ( host_name === E2E_HOST || host_name === BANKRATE_HOST ) ) { var card_name = targetEl.getAttribute('data-cc-name'); var card_info = targetEl.getAttribute('data-cta-info'); var card_placement = targetEl.getAttribute('data-cta-placement'); var product_type = targetEl.getAttribute('data-product'); var product_id = targetEl.getAttribute('data-product-id'); var tracking_id = targetEl.getAttribute('data-tid'); var product_position = targetEl.getAttribute('data-position'); var card_category_tab_name = targetEl.getAttribute('data-tab-name'); analyticsParams.cc_name = !!card_name ? card_name : targetEl.innerText; analyticsParams.cta_info = !!card_info ? card_info : ''; analyticsParams.cta_placement = !!card_placement ? card_placement : ''; analyticsParams.product_type = !!product_type 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