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Is it SAFE to Use Your HELOC in 2024? - HELOC Rates TodayLearn how interest rates are calculated for home equity line of credit (HELOC), and see current HELOC rates. Variable introductory rates as low as % APR for 12 months, with as low as % APR thereafter. Our HELOC rate and payment calculator makes it easy to estimate monthly payments based on loan amount, LTV 1 and credit score.