Historical archive
HELOC Rates history
A rate archive for seeing where heloc rates has moved, what the current rate means, and which SwitchWize action fits next.
Historical archive
HELOC Rates over time
Jun 23
20.00%
Jun 24
20.00%
Jun 25
20.00%
Archive high
20.00%
Highest observed point in this archive window.
Archive low
20.00%
Lowest observed point in this archive window.
Archive average
20.00%
6 observations summarized for context.
Archive table
Current rate: 8.20% APR — 6 observations
Jun 1920.00%Avg 13.06%
Jun 2120.00%Avg 13.06%
Jun 2220.00%Avg 13.06%
Jun 2320.00%Avg 13.06%
Jun 2420.00%Avg 13.06%
Jun 2520.00%Avg 13.06%
Verified existing coverage
Use what SwitchWize already has
GuideHELOC vs Home Equity Loan: How to Pick the Right OneHELOC vs home equity loan compared: fixed vs variable rates, draw flexibility, closing costs, and a clear decision framework to match the right product to your goal.GuideA HELOC as a Standby Emergency Fund: Smart Hedge or Expensive Trap?Some people open a HELOC and leave it unused as backup cash. It is cheap to hold, but a lender can freeze it exactly when you need it. Here is when a standby HELOC helps and when it fails.GuideBuying Mortgage Points: The Breakeven That Tells You If It PaysMortgage points buy down your rate for an upfront fee. Whether they pay comes down to one number: how long until the monthly savings repay the cost. Here is the breakeven math.GuideMortgage Recast vs Refinance: Lower Your Payment Without the Closing CostsIf you are locked into a low mortgage rate, refinancing means giving it up. A recast lowers your payment for a few hundred dollars while keeping your rate. Here is when each one wins.CalculatorHELOC Payment CalculatorCalculate your draw-period interest-only payment, the jump to fully amortizing repayment, and how a 2-point rate rise changes both. See the payment shock before you commit.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.