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Read MoreRequest a call. Check with other banks, credit unions and online lenders to see what's available. Laura Michelle Davis Editor. Our goal is to give you the best advice to help you make smart personal finance decisions. Insights about Home Equity Loan rates. Depending on what you need the money for, one of these options may be a better fit: Home equity line of credit HELOC Home equity loans and home equity lines of credit HELOCs are both loans backed by the equity in your home.