Lowest home equity rate: 3.99% APR
22 offers from 4 institutions · Home equity lines and loans, lowest APR first.
Lowest APR
recorded 2026-11-01 · source ↗
Spread of recorded rates
Quoted on another basis
These rates are quoted as rate, so they are not ranked against APR.
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What is the lowest home equity rate in the US right now?
Fulton Bank Optionline Primary Residence (Introductory Fixed Rate (For 6 Months)) at 3.99% APR, recorded 1 Nov 2026. RateSonar compared 22 offers from 4 institutions on the same basis.
Are these rates current?
Each row shows the date RateSonar last recorded it from the bank's page. Pages are captured twice a day; a row that could not be refreshed keeps its last recorded date and drops out of the ranking after three days.
Is this the rate I will get?
No. These are the rates lenders advertise. Your rate depends on your circumstances, and lenders may price individually. Use the bank's own quote.