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Home Equity Lines of Credit Explained - How a HELOC Works, Pros and ConsMost HELOCs have a variable rate, which means the interest rate can change over time based on the Wall Street Journal Prime Rate. As of November 6, , the current average home equity loan interest rate is percent. The current average HELOC interest rate is percent. Fees: You won't have to pay an annual fee for a home equity loan or HELOC with Connexus, but closing costs can range from $ to $2, depending on the loan.
