Home equity line of credit (HELOC) · United States

Home equity line of credit (HELOC) ranked for a sale in year 10

For a sale in year 10, the 9 products here run from $30,425 to $43,750 on $50,000 from a $500,000 home.

The lowest is U.S. Bank at $30,425 (6.2% a year).

In order

The table applies each provider's published terms to the same home and the same cash, at the lowest published rate.

Every HELOC we can compute, ordered by total cost at a sale in year 10. Ties are broken alphabetically. Nothing else affects the order, and no position on this page is for sale. 9 products, checked 2026-09-18.
Provider	Type	Min credit	Upfront fees	Owed at sale, year 10	Total cost, year 10	Annualized
U.S. Bank	HELOC	660	$0	$50,000	$30,425	6.2%
FourLeaf Federal Credit Union	HELOC	720	$0	$50,000	$35,000	7.2%
Third Federal Savings & Loan	HELOC	not stated	$0	$50,000	$35,200	7.3%
Alliant Credit Union	HELOC	not stated	$0	$50,000	$35,450	7.3%
Truist	HELOC	not stated	$0	$50,000	$36,750	7.6%
Regions Bank	HELOC	not stated	$0	$50,000	$37,500	7.8%
Navy Federal Credit Union	HELOC	not stated	$0	$50,000	$40,000	8.3%
Connexus Credit Union	HELOC	not stated	$175	$50,000	$40,225	8.4%
Lower	HELOC	not stated	$0	$50,000	$43,750	9.1%

Scroll sideways on a phone.

How that is worked out

home value today = $500,000; cash taken = $50,000 (10% of value) home value in year N = $500,000 x 1.03^N (3% a year, every product) HEI, share of value = multiplier x 10% x home value in year N HEI, principal + share = $50,000 + share x (value in year N - adjusted starting value) HEI cap = $50,000 x (1 + cap/12)^(12N) where the provider publishes a cap HELOC illustration = interest-only using the lowest published APR as a rate proxy, then amortized home equity loan example = amortized using the lowest published APR as a rate proxy total cost at sale (N) = payments made + balance or payoff owed at sale - $50,000 + upfront fees annualized cost = the yearly rate that turns the cash received into everything paid back

Every rate is the lowest the provider publishes, so where a page says “as low as” the figure is an illustrative starting scenario. An “up to” fee is modeled at its stated maximum; the actual fee may be lower. APR is used as a proxy for the payment rate when no separate note rate is published. Variable rates are held flat. Eligibility, unpublished charges, taxes and insurance are excluded. These figures are neither quotes nor guaranteed lower bounds. Read the method.

Where does the answer change?

The order above holds only under these conditions.

Do not decide yet if you might sell in year 3 instead without checking the fees: U.S. Bank stays lowest at $9,075, but a rate or a share the provider changes after the page was read is not in the figure.
8 rates are published as “as low as”, so each figure is the best case the page allows, not a quote.

Who this is not for

This is not a list of the best products. It is every product we hold that publishes enough to compute, in cost order. We have not used these products and we do not rate them.

Sources

U.S. Bank terms page. checked 2026-09-29
FourLeaf Federal Credit Union terms page. checked 2026-09-29
Third Federal Savings & Loan terms page. checked 2026-09-29
Alliant Credit Union terms page. checked 2026-09-29
Truist terms page. checked 2026-09-29
Regions Bank terms page. checked 2026-09-29
Navy Federal Credit Union terms page. checked 2026-09-29
Connexus Credit Union terms page. checked 2026-09-29
Lower terms page. checked 2026-09-29

Written by Kaz (pen name). Figures are copied from providers' published pages on the dates shown. We have not used these products. Corrections: contact form.