Reference HELOC Rates
Reference figures labeled March 2026
March 2026 reference figures, not current offers or verified national averages. Sources for the retained rates, changes, and history have not been verified. Confirm current terms directly with providers.
| Loan Type | Rate | APR | Reference change (pp) |
|---|---|---|---|
| Prime minus discount offers | 7.74% | 7.90% | -0.05 pp |
| Standard variable HELOC | 8.06% | 8.22% | -0.04 pp |
| Interest-only draw period | 8.18% | 8.29% | -0.03 pp |
| Fixed-rate conversion option | 8.42% | 8.57% | -0.02 pp |
Sources and data status
The retained March 2026 tables, changes and history are unverified. The primary-source guidance below does not authenticate those old figures.
Page wording reviewed on 2026-10-04. This editorial review date does not date or verify the retained figures.
Guidance only: CFPB: interest rates and APR · Source checked:
Mortgage interest rates and APR measure different costs. For a HELOC, APR does not include fees. This guidance does not verify the retained rate figures.
Retained monthly amounts
These retained monthly amounts do not have verified loan-term, rate or fee assumptions. They are not a validated payment estimate.
Loan amount
$50,000
Monthly amount
$335
Loan amount
$75,000
Monthly amount
$503
Loan amount
$100,000
Monthly amount
$671
Retained reference history (12 months)
The retained history has an unverified collection method, sample and original observation dates. It should not be treated as a validated market series.
| Month | Rate |
|---|---|
| Apr 2025 | 8.86% |
| May 2025 | 8.78% |
| Jun 2025 | 8.71% |
| Jul 2025 | 8.64% |
| Aug 2025 | 8.56% |
| Sep 2025 | 8.47% |
| Oct 2025 | 8.38% |
| Nov 2025 | 8.31% |
| Dec 2025 | 8.24% |
| Jan 2026 | 8.17% |
| Feb 2026 | 8.11% |
| Mar 2026 | 8.06% |
Related rates
Reference Mortgage Rates
Compare mortgage rate types using March 2026 reference figures, APRs, and retained history. These are not current lender quotes.
Reference Refinance Rates
Compare rate-and-term and cash-out refinance reference scenarios labeled March 2026. Check current lender quotes before refinancing.
More from Mortgage
Return to the category hub or use a related calculator to explore your assumptions.
Frequently asked questions
How to compare and source limitations
Geography: United States
For HELOC comparisons, use the same credit-line terms and borrower assumptions. A HELOC APR usually excludes fees, unlike a closed-end mortgage APR; review fees separately. The original sources and collection methods for these retained reference figures have not been verified.