Best KY HELOC RatesKentucky Home Equity Line of Credit Rates

Compare home equity line of credit (HELOC) rates in Kentucky

(Last Updated: 02/08/2025)
Home Equity Lenders
APR
Rate
Initial Draw
 Contact details
6.990% Intro APR
6.990% After Intro PeriodIntro Period: 0 months		 6.990% Rate $0 Min. Initial Draw Amount
Conditions:
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com.
  • Third Federal rate are typically 20% lower than other leaders
  • Guaranteed Lowest Rate
  • No closing costs, prepayment penalties, or minimum draw requirements
  • 10 year draw period
Tap Into the Equity of Your Home to Get The Cash You Need
Conditions:
2024 Top Flite Financial, Inc. NMLS# 4181. 201 School St, Ste. 200, Williamston, MI 48895. This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Not all loan products are available in all states. Not all borrowers will qualify. For licensing information, go to www.nmlsconsumeraccess.org.
  • 1st Mortgages & Home Equity Loans (Credit Score Approvals Down to 500)
  • Cash Out and Debt Consolidation Experts
  • Self Employed Bank Statement Loan Programs
  • A+ BBB Rating and 4.9 Stars on Google
As low as 8.25% APR on your initial draw*
Conditions:
1. APRs for initial advances range from 8.25% to 18.00% based on funded HELOCs as of September 2024. Your actual rate will depend on many factors such as your credit history, loan-to-value ratio, line amount, loan term, lien position, and property state. The lowest rates are only available to the most qualified applicants. The APR is variable, but the APR that will apply to each draw will be fixed on the date the draw is made. 2. As of October 2024, 10% of funded HELOCs achieved a closing timeline of 6 days or less and a funding timeline of 10 days or less. This timeline assumes consumers close with our remote online notary, provide supporting documentation promptly, and ensure the information provided is accurate and consistent with our verification process. Delays, discrepancies, and other unforeseen factors may impact the closing timeline. MBA’s 2024 Home Lending Study reports an average industry closing time of 31 days. 3. A Home Equity Line of Credit has a variable rate. The APR may change, but the APR that will apply to each draw will be fixed on the date the draw is made. Your APR will be the Prime Rate at the time of draw plus a margin fixed for the life of the HELOC.
  • As low as 8.25% APR on your initial draw*
  • Get your money up to 5x faster than the industry standard*
  • Fixed rate on each draw*
  • No paperwork needed to apply
Home Equity Loans & Refinance – Cash out
Conditions:
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 100 Billion Funded. 22 Years in Business
  • Home Equity Loans & Refinance – Cash out
  • Customized rate quote with no impact to credit
  • Low Rates, Quick Approvals, Wide Range of Products
  • Over 100 Billion Funded. 22 Years in Business
8.140% APR 8.140% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
7.500% After Intro PeriodIntro Period: 6 months		 7.500% Rate $0 Min. Initial Draw Amount
7.250% APR 7.250% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
8.000% After Intro PeriodIntro Period: 6 months		 8.000% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
8.850% After Intro PeriodIntro Period: 12 months		 8.850% Rate $25,000 Min. Initial Draw Amount
5.990% Intro APR
8.400% After Intro PeriodIntro Period: 6 months		 8.400% Rate $100,000 Min. Initial Draw Amount
4.990% Intro APR
8.875% After Intro PeriodIntro Period: 6 months		 8.875% Rate $0 Min. Initial Draw Amount
7.890% APR 7.890% Rate $40,000 Min. Initial Draw Amount
7.750% APR 7.750% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.

Kentucky home equity line of credit (HELOC) rates can vary based on several factors, including the lender, the borrower's creditworthiness, and prevailing economic conditions. Typically, these rates are competitive, offering a flexible option for homeowners in Kentucky looking to leverage the equity in their homes for renovations, debt consolidation, or other financial needs.

It's important for borrowers to compare rates from different lenders and consider their variable nature, as HELOC rates are often tied to market indices and can fluctuate over time.

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