Low Interest Equity Loan 30 year fixed Fha Rates Buying A House With Bad Credit And No Money Down What Is The Average Home Equity Loan rate average interest rates: home equity Loans & HELOCs in 2019. – Average 10-year home equity rates across the united states range from 4.38% to 6.98%. Your interest rate may vary according to your credit profile and LTV ratio. average 5-year home equity loan interest rates. average 5-year home equity loan interest rates are generally lower than rates from comparable home equity loans with 10-year and 15-year terms.