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How Much Could I Save by Consolidating Debt with a HELOC?

Explore how consolidating your debts with a HELOC could save you on interest and simplify your payments. This calculator estimates your potential savings and helps you decide if a HELOC fits your financial goals.

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Today's HELOC rates in Indiana

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Today's HELOC rates in Michigan

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Today's HELOC rates in Nevada

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Today's HELOC rates in North Carolina

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Today's HELOC rates in Ohio

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Today's HELOC rates in Pennsylvania

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Today's HELOC rates in Other States

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Today's HELOC rates in Arkansas

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Today's HELOC rates in Oklahoma

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

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further reading

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