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2023 Update on a Fixed HELOC - Home Equity Line of Credit (A Fixed Second Mortgage)HELOCs have been especially volatile. In fact, in November , they topped 10 percent, the highest rate in 20 years. Variable introductory rates as low as % APR for 12 months, with as low as % APR thereafter. **. View HELOC rates. Home Equity Loan: As of March 15, , the fixed Annual Percentage Rate (APR) of % is available for year second position home equity installment loans.