HELOC rates in Pennsylvania rose from 4% in 2020 to nearly 9% in 2024. Continued increases could mean higher borrowing costs for homeowners, so consider locking in current rates.
Best HELOC Rates in Pennsylvania
As of October 16, 2024, the best HELOC rate in Pennsylvania is 5.2% from Cross Valley Federal Credit Union in Dallas, much lower than the state average of 8.5% and the national average of 8.7%.
Updated: November 2, 2024
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Key Takeaways
Higher loan-to-value (LTV) ratios lead to higher rates. The average APR for a HELOC in Pennsylvania with an 80% LTV is 8.4%, compared with 8.8% for a 90% LTV.
HELOC rates vary by city in Pennsylvania. Davidsville has an average APR of 5.8%, whereas Red Hill's is 11.8%.
Different lenders offer varying rates for the same loan types. Cross Valley Federal Credit Union's average APR is 5.2%, whereas KeyBank National Association's is 11.8%.
Current HELOC Rates in Pennsylvania
HELOC Rates in Pennsylvania by LTV Ratio
HELOC rates in Pennsylvania vary depending on the borrower's loan-to-value (LTV) ratio and line limit. Lenders view a lower LTV as less risky, as you have more equity in your home. For instance, with an 80% LTV, you're borrowing less than a 90% LTV, reducing the risk of default on your HELOC.
The following table lets you filter between different loan amounts, offering a clearer view of what you may qualify for:
- $100,000
- $50,000
8.4% | 8.8% |
HELOC Rates in Pennsylvania by City
HELOC rates in Pennsylvania differ by city due to differences in local housing markets and lender competition. For instance, a city with a strong housing market might have lower rates due to reduced lender risk.
Use the table below to filter by your city and see average APRs for $50K and $100K HELOCs.
- Abington
- Akron
- Alachua
- Albion
- Aliquippa
- Allensville
- Allentown
- Allison Park
- Altamonte Springs
- Altoona
- Ambler
- Ambridge
- Amelia Island
- Annville
- Apalachicola
- Apollo
- Apollo Beach
- Apopka
- Arcadia
- Ardmore
- Aspinwall
- Aston
- Atlantic Beach
- Atlantis
- Auburndale
- Aventura
- Avis
- Avon Park
- Avondale
- Babcock Ranch
- Baden
- Baker
- Bal Harbour
- Baldwin
- Bally
- Barefoot Bay
- Bartonsville
- Bartow
- Bay Harbor Islands
- Bay Lake
- Bayonet Point
- Beaver
- Beaver Falls
- Beaver Springs
- Bedford
- Beech Creek
- Belle Glade
- Belle Vernon
- Belleair Bluffs
- Bellefonte
- Belleview
- Bensalem
- Bentleyville
- Benton
- Berlin
- Berwick
- Bethel Park
- Bethlehem
- Beverly Hills
- Big Pine Key
- Birdsboro
- Blairsville
- Bloomsburg
- Blountstown
- Blue Ball
- Blue Bell
- Boca Raton
- Bonifay
- Bonita Springs
- Boothwyn
- Boswell
- Boyertown
- Boynton Beach
- Bradenton
- Bradford
- Brandon
- Brentwood
- Bridgeville
- Bristol
- Brodheadsville
- Brogue
- Bronson
- Brookhaven
- Brooksville
- Brookville
- Broomall
- Brownsville
- Bryn Mawr
- Bushnell
- Butler
- California
- Callahan
- Callaway
- Camp Hill
- Canonsburg
- Canton
- Cape Canaveral
- Cape Coral
- Carbondale
- Carlisle
- Carmichaels
- Carnegie
- Casselberry
- Catawissa
- Cedar Key
- Celebration
- Center Valley
- Century
- Chadds Ford
- Chalfont
- Chambersburg
- Champion
- Champions Gate
- Chattahoochee
- Chester
- Chester Springs
- Chesterbrook
- Chicora
- Chiefland
- Chipley
- Christiana
- City of Westlake
- Clarion
- Clarks Green
- Clarks Summit
- Claysville
- Clearfield
- Clearwater
- Cleona
- Clermont
- Clewiston
- Clifton Heights
- Clymer
- Coatesville
- Cocoa
- Cocoa Beach
- Coconut Creek
- Coconut Grove
- Collegeville
- Colmar
- Columbia
- Concordville
- Confluence
- Connellsville
- Conshohocken
- Conyngham
- Cooper City
- Coopersburg
- Coral Gables
- Coral Springs
- Coraopolis
- Corry
- Coudersport
- Covington Township
- Cranberry
- Cranberry Township
- Crawfordville
- Crescent City
- Cresco
- Cresson
- Cressona
- Crestview
- Cross City
- Crystal River
- Curwensville
- Cutler Bay
- Dade City
- Dallas
- Dallastown
- Dania
- Danville
- Davenport
- Davidsville
- Davie
- Daytona Beach
- DeFuniak Springs
- DeLand
- Deerfield Beach
- Delmont
- Delray Beach
- Delta
- Deltona
- Denver
- Derry
- Destin
- Devon
- Dewart
- Dickson City
- Dillsburg
- Dingmans Ferry
- Doral
- Douglassville
- Dover
- Downingtown
- Doylestown
- Dresher
- Drexel Hill
- DuBois
- Duncannon
- Duncansville
- Dunedin
- Dunmore
- Dunnellon
- Dushore
- East Berlin
- East Brady
- East Earl
- East Norriton
- East Stroudsburg
- Easton
- Ebensburg
- Eddystone
- Edgewater
- Edinboro
- Effort
- Eglin AFB
- Elizabeth
- Elizabethtown
- Elizabethville
- Elkins Park
- Ellenton
- Elliottsburg
- Ellwood City
- Elverson
- Elysburg
- Emlenton
- Emmaus
- Emporium
- Englewood
- Enola
- Ephrata
- Erie
- Estero
- Etters
- Eustis
- Everett
- Exeter
- Exton
- Eynon
- Factoryville
- Fairless Hills
- Fairview
- Feasterville
- Feasterville Trevose
- Fellsmere
- Fern Park
- Fernandina Beach
- Fishertown
- Fleetwood
- Fleming Island
- Florida City
- Flourtown
- Fogelsville
- Folsom
- Ford City
- Forest City
- Forks Township
- Fort Lauderdale
- Fort Myers
- Fort Pierce
- Fort Walton Beach
- Fort Washington
- Forty Fort
- Frackville
- Franklin
- Frazer
- Fredericksburg
- Freeland
- Freeport
- Friedensburg
- Fruit Cove
- Fruitland Park
- Gainesville
- Gallitzin
- Gap
- Gettysburg
- Gibsonia
- Gilbertsville
- Girard
- Glassport
- Glen Mills
- Glenside
- Gordonville
- Green Cove Springs
- Greenacres
- Greencastle
- Greensburg
- Greenville
- Greenwood
- Grindstone
- Grove City
- Groveland
- Gulf Breeze
- Gulfport
- Haines City
- Halifax
- Hallandale Beach
- Hallstead
- Hamburg
- Hanover
- Hanover Township
- Harborcreek
- Harleysville
- Harmony
- Harrisburg
- Harrisville
- Hastings
- Hatboro
- Hatfield
- Haverford
- Haverhill
- Havertown
- Hawthorne
- Hazle Township
- Hazleton
- Heathrow
- Hellam
- Hellertown
- Hermitage
- Hernando
- Herndon
- Hershey
- Hialeah
- Hialeah Gardens
- Holiday
- Hollidaysburg
- Hollywood
- Holmes
- Holmes Beach
- Homestead
- Homosassa Springs
- Honey Brook
- Horsham
- Houston
- Hudson
- Hughesville
- Hummels Wharf
- Hummelstown
- Huntingdon
- Huntingdon Valley
- Hurlburt Field
- Hustontown
- Immokalee
- Imperial
- Indialantic
- Indian Harbour Beach
- Indian Head
- Indian Shores
- Indiana
- Ingomar
- Intercourse
- Interlachen
- Inverness
- Irwin
- Islamorada
- Jacksonville
- Jacksonville Beach
- Jacobus
- Jamison
- Jeannette
- Jefferson Hills
- Jenkintown
- Jensen Beach
- Jersey Shore
- Johnstown
- Jonesville
- Juno Beach
- Jupiter
- Karns City
- Kennedy Space Center
- Kennett Square
- Key Biscayne
- Key Largo
- Key West
- Keystone Heights
- King of Prussia
- Kingston
- Kissimmee
- Kittanning
- Knox
- Kutztown
- Kylertown
- Labelle
- Lady Lake
- Lahaska
- Lake Buena Vista
- Lake City
- Lake Mary
- Lake Placid
- Lake Wales
- Lake Worth
- Lakeland
- Lakewood
- Lakewood Ranch
- Lancaster
- Land O' Lakes
- Landisville
- Langhorne
- Lansdale
- Lansford
- Lantana
- Largo
- Latrobe
- Lauderdale Lakes
- Lauderdale-by-the-Sea
- Lauderhill
- Laureldale
- Lebanon
- Leechburg
- Leesburg
- Leesport
- Lehigh Acres
- Lehighton
- Lemoyne
- Leola
- Levittown
- Lewisberry
- Lewisburg
- Lewistown
- Lighthouse Point
- Ligonier
- Lilly
- Limerick
- Linden
- Lithia
- Lititz
- Littlestown
- Live Oak
- Liverpool
- Lock Haven
- Loganton
- Longboat Key
- Longwood
- Lower Burrell
- Loxahatchee
- Lutz
- Lynn Haven
- MacClenny
- Macungie
- Maitland
- Malvern
- Manchester
- Manheim
- Mansfield
- Maple Glen
- Marathon
- Marco Island
- Marcus Hook
- Margate
- Marianna
- Markleysburg
- Mars
- Martinsburg
- Mary Esther
- Marysville
- Masontown
- Matamoras
- Mayport
- McAdoo
- McConnellsburg
- McDonald
- McKees Rocks
- McKeesport
- McMurray
- Meadville
- Mechanicsburg
- Media
- Melbourne
- Mercer
- Mercersburg
- Merritt Island
- Meyersdale
- Miami
- Miami Beach
- Miami Gardens
- Miami Lakes
- Miami Shores
- Miami Springs
- Middleburg
- Middleton
- Middletown
- Mifflinburg
- Mifflintown
- Mill Hall
- Millersville
- Millheim
- Millville
- Milton
- Mims
- Minersville
- Miramar
- Miramar Beach
- Monaca
- Monongahela
- Monroeville
- Mont Alto
- Montgomery
- Montgomeryville
- Monticello
- Montoursville
- Montrose
- Moon Township
- Morgantown
- Morrisville
- Moscow
- Mount Aetna
- Mount Carmel
- Mount Dora
- Mount Joy
- Mount Lebanon
- Mount Pleasant
- Mount Pleasant Mills
- Mountain Top
- Mulberry
- Muncy
- Munhall
- Murrysville
- Myerstown
- Nanticoke
- Naples
- Natrona Heights
- Navarre
- Nazareth
- Neptune Beach
- Nesquehoning
- New Alexandria
- New Bethlehem
- New Bloomfield
- New Brighton
- New Britain
- New Castle
- New Cumberland
- New Florence
- New Freedom
- New Holland
- New Kensington
- New Oxford
- New Port Richey
- New Smyrna Beach
- New Stanton
- New Wilmington
- Newberry
- Newport
- Newtown
- Newtown Square
- Newville
- Niceville
- Nokomis
- Norristown
- North Apollo
- North East
- North Fort Myers
- North Huntingdon
- North Miami
- North Miami Beach
- North Palm Beach
- North Port
- North Versailles
- North Wales
- Northampton
- Northern Cambria
- Northumberland
- Nottingham
- Oakdale
- Oakland Park
- Oakmont
- Oaks
- Ocala
- Ocoee
- Odessa
- Okeechobee
- Old Forge
- Old Town
- Oldsmar
- Oley
- Olyphant
- Orange City
- Orange Park
- Orbisonia
- Orefield
- Orlando
- Ormond Beach
- Orwigsburg
- Oviedo
- Oxford
- Pace
- Pahokee
- Palatka
- Palm Bay
- Palm Beach
- Palm Beach Gardens
- Palm City
- Palm Coast
- Palm Harbor
- Palm Springs
- Palmetto
- Palmetto Bay
- Palmyra
- Panama City
- Panama City Beach
- Paoli
- Parker
- Parkesburg
- Parrish
- Patrick AFB
- Peckville
- Pembroke Park
- Pembroke Pines
- Penn
- Penn Hills
- Pennsburg
- Pennsdale
- Pensacola
- Perkasie
- Perry
- Perryopolis
- Philadelphia
- Philipsburg
- Phoenixville
- Pine Grove
- Pinecrest
- Pinellas Park
- Pipersville
- Pittsburgh
- Pittston
- Plant City
- Plantation
- Plumsteadville
- Plymouth
- Plymouth Meeting
- Point Marion
- Pompano Beach
- Ponte Vedra
- Ponte Vedra Beach
- Port Allegany
- Port Charlotte
- Port Orange
- Port Richey
- Port Saint Joe
- Port Saint John
- Port Saint Lucie
- Port Trevorton
- Portage
- Portersville
- Pottstown
- Pottsville
- Prospect Park
- Punta Gorda
- Punxsutawney
- Quakertown
- Quarryville
- Quincy
- Radnor
- Raiford
- Reading
- Red Hill
- Red Lion
- Reedsville
- Renovo
- Reynoldsville
- Rices Landing
- Richboro
- Richfield
- Ridgway
- Rimersburg
- Riverside
- Riverview
- Riviera Beach
- Rockledge
- Rockwood
- Rome
- Ronks
- Rosemary Beach
- Rostraver Township
- Royal Palm Beach
- Royersford
- Ruskin
- Russellton
- Safety Harbor
- Saint Augustine
- Saint Cloud
- Saint James City
- Saint Johns
- Saint Marys
- Saint Petersburg
- Saint Thomas
- Sanford
- Santa Rosa Beach
- Sarasota
- Sarver
- Satellite Beach
- Saxonburg
- Sayre
- Schaefferstown
- Schellsburg
- Schnecksville
- Schuylkill Haven
- Scottdale
- Scranton
- Sebastian
- Sebring
- Seffner
- Selinsgrove
- Seminole
- Seven Fields
- Sewickley
- Shalimar
- Shamokin
- Shamokin Dam
- Sharon Hill
- Shavertown
- Shenandoah
- Shickshinny
- Shillington
- Shippensburg
- Shoemakersville
- Shrewsbury
- Silver Springs
- Sinking Spring
- Skippack
- Slippery Rock
- Smithfield
- Sneads
- Somerset
- Souderton
- South Abington Township
- South Daytona
- South Miami
- South Pasadena
- South Williamsport
- Southampton
- Southport
- Spartansburg
- Spring Grove
- Spring Hill
- Spring House
- Spring Run
- Springfield
- Starke
- State College
- Steelton
- Steinhatchee
- Stewartstown
- Strasburg
- Stroudsburg
- Stuart
- Summerdale
- Summerfield
- Sun City Center
- Sunbury
- Sunny Isles Beach
- Sunrise
- Swiftwater
- Tallahassee
- Tamaqua
- Tamarac
- Tampa
- Tannersville
- Tarentum
- Tarpon Springs
- Tavernier
- Taylor
- Temple
- Temple Terrace
- Tequesta
- The Villages
- Thompsontown
- Thorndale
- Three Springs
- Tierra Verde
- Titusville
- Topton
- Towanda
- Trappe
- Treasure Island
- Tremont
- Trenton
- Trexlertown
- Trinity
- Trooper
- Troy
- Tunkhannock
- Tyndall AFB
- Tyrone
- Union City
- Uniontown
- University Park
- Upper Darby
- Valrico
- Vandergrift
- Venice
- Vero Beach
- Viera
- Virginia Gardens
- Wallingford
- Walnutport
- Warfordsburg
- Warminster
- Warren
- Warrington
- Washington
- Washington Crossing
- Watsontown
- Wauchula
- Wayne
- Waynesboro
- Waynesburg
- Wellington
- Wellsboro
- Wescosville
- Wesley Chapel
- West Chester
- West Grove
- West Lawn
- West Melbourne
- West Miami
- West Mifflin
- West Norriton
- West Palm Beach
- West Point
- West Reading
- West View
- Weston
- Wexford
- White Oak
- Whitehall
- Wildwood
- Wilkes-Barre
- Williamsburg
- Williamsport
- Williston
- Willow Grove
- Willow Street
- Wilton Manors
- Wimauma
- Wind Gap
- Windermere
- Winfield
- Winter Garden
- Winter Haven
- Winter Park
- Winter Springs
- Womelsdorf
- Wrightsville
- Wyncote
- Wynnewood
- Wyomissing
- Yardley
- Yatesville
- Yeadon
- York
- Youngwood
- Yulee
- Zelienople
- Zephyrhills
$100,000 | 8.7% |
$50,000 | 8.8% |
HELOC Rates in Pennsylvania by Lender
HELOC interest rates in Pennsylvania vary by lender due to their unique pricing strategies and risk assessments. The table below shows the five lenders in Pennsylvania offering the lowest average APRs, helping you compare competitive rates.
Cross Valley Federal Credit Union | 5.2% |
HealthCare First Credit Union | 5.8% |
Corry Federal Credit Union | 6.5% |
Lehigh Valley Educators Credit Union | 7.0% |
VAntage Trust Federal Credit Union | 7.1% |
HELOC rates today can vary among lenders, even within the same city. Use the table below to filter by city and compare average APRs, helping you find the best rate in your area.
- Abington
- Akron
- Alachua
- Albion
- Aliquippa
- Allensville
- Allentown
- Allison Park
- Altamonte Springs
- Altoona
- Ambler
- Ambridge
- Amelia Island
- Annville
- Apalachicola
- Apollo
- Apollo Beach
- Apopka
- Arcadia
- Ardmore
- Aspinwall
- Aston
- Atlantic Beach
- Atlantis
- Auburndale
- Aventura
- Avis
- Avon Park
- Babcock Ranch
- Baden
- Baker
- Bal Harbour
- Baldwin
- Bally
- Barefoot Bay
- Bartonsville
- Bartow
- Bay Harbor Islands
- Bay Lake
- Bayonet Point
- Beaver
- Beaver Falls
- Beaver Springs
- Bedford
- Belle Glade
- Belle Vernon
- Belleair Bluffs
- Bellefonte
- Belleview
- Bensalem
- Bentleyville
- Benton
- Berlin
- Berwick
- Bethel Park
- Bethlehem
- Beverly Hills
- Big Pine Key
- Birdsboro
- Blairsville
- Bloomsburg
- Blountstown
- Blue Ball
- Blue Bell
- Boca Raton
- Bonifay
- Bonita Springs
- Boothwyn
- Boyertown
- Boynton Beach
- Bradenton
- Bradford
- Brandon
- Brentwood
- Bridgeville
- Bristol
- Brodheadsville
- Brogue
- Bronson
- Brookhaven
- Brooksville
- Brookville
- Broomall
- Brownsville
- Bryn Mawr
- Bushnell
- Butler
- California
- Callahan
- Callaway
- Camp Hill
- Canonsburg
- Canton
- Cape Canaveral
- Cape Coral
- Carbondale
- Carlisle
- Carmichaels
- Carnegie
- Casselberry
- Catawissa
- Cedar Key
- Celebration
- Center Valley
- Century
- Chadds Ford
- Chalfont
- Chambersburg
- Champions Gate
- Chattahoochee
- Chester
- Chester Springs
- Chesterbrook
- Chicora
- Chiefland
- Chipley
- Christiana
- City of Westlake
- Clarion
- Clarks Green
- Clarks Summit
- Claysville
- Clearfield
- Clearwater
- Cleona
- Clermont
- Clewiston
- Clymer
- Coatesville
- Cocoa
- Cocoa Beach
- Coconut Creek
- Coconut Grove
- Collegeville
- Colmar
- Columbia
- Concordville
- Confluence
- Connellsville
- Conshohocken
- Conyngham
- Cooper City
- Coral Gables
- Coral Springs
- Coraopolis
- Corry
- Coudersport
- Covington Township
- Cranberry
- Cranberry Township
- Crawfordville
- Crescent City
- Cresco
- Cresson
- Cressona
- Crestview
- Cross City
- Crystal River
- Curwensville
- Cutler Bay
- Dade City
- Dallas
- Dallastown
- Dania
- Danville
- Davenport
- Davidsville
- Davie
- Daytona Beach
- DeFuniak Springs
- DeLand
- Deerfield Beach
- Delmont
- Delray Beach
- Delta
- Deltona
- Denver
- Derry
- Destin
- Devon
- Dewart
- Dickson City
- Dillsburg
- Dingmans Ferry
- Doral
- Douglassville
- Dover
- Downingtown
- Doylestown
- Dresher
- Drexel Hill
- DuBois
- Duncannon
- Duncansville
- Dunedin
- Dunmore
- Dunnellon
- Dushore
- East Berlin
- East Brady
- East Earl
- East Norriton
- East Stroudsburg
- Easton
- Ebensburg
- Eddystone
- Edgewater
- Edinboro
- Effort
- Eglin AFB
- Elizabeth
- Elizabethtown
- Elizabethville
- Elkins Park
- Ellenton
- Elliottsburg
- Ellwood City
- Elverson
- Elysburg
- Emlenton
- Emmaus
- Emporium
- Englewood
- Enola
- Ephrata
- Erie
- Estero
- Etters
- Eustis
- Everett
- Exeter
- Exton
- Eynon
- Factoryville
- Fairless Hills
- Fairview
- Feasterville
- Feasterville Trevose
- Fellsmere
- Fern Park
- Fernandina Beach
- Fleetwood
- Fleming Island
- Florida City
- Flourtown
- Fogelsville
- Folsom
- Ford City
- Forest City
- Forks Township
- Fort Lauderdale
- Fort Myers
- Fort Pierce
- Fort Walton Beach
- Fort Washington
- Forty Fort
- Frackville
- Franklin
- Frazer
- Fredericksburg
- Freeland
- Freeport
- Friedensburg
- Fruit Cove
- Fruitland Park
- Gainesville
- Gallitzin
- Gap
- Gettysburg
- Gibsonia
- Gilbertsville
- Girard
- Glassport
- Glen Mills
- Glenside
- Gordonville
- Green Cove Springs
- Greenacres
- Greencastle
- Greensburg
- Greenville
- Greenwood
- Grindstone
- Grove City
- Groveland
- Gulf Breeze
- Gulfport
- Haines City
- Halifax
- Hallandale Beach
- Hallstead
- Hamburg
- Hanover
- Hanover Township
- Harborcreek
- Harleysville
- Harmony
- Harrisburg
- Harrisville
- Hastings
- Hatboro
- Hatfield
- Haverford
- Haverhill
- Havertown
- Hawthorne
- Hazle Township
- Hazleton
- Heathrow
- Hellam
- Hellertown
- Hermitage
- Hernando
- Herndon
- Hershey
- Hialeah
- Hialeah Gardens
- Holiday
- Hollidaysburg
- Hollywood
- Holmes
- Holmes Beach
- Homestead
- Homosassa Springs
- Honey Brook
- Horsham
- Houston
- Hudson
- Hughesville
- Hummels Wharf
- Hummelstown
- Huntingdon
- Huntingdon Valley
- Hurlburt Field
- Hustontown
- Immokalee
- Imperial
- Indialantic
- Indian Harbour Beach
- Indian Head
- Indian Shores
- Indiana
- Ingomar
- Intercourse
- Interlachen
- Inverness
- Irwin
- Islamorada
- Jacksonville
- Jacksonville Beach
- Jacobus
- Jamison
- Jeannette
- Jefferson Hills
- Jenkintown
- Jensen Beach
- Jersey Shore
- Johnstown
- Jonesville
- Juno Beach
- Jupiter
- Karns City
- Kennedy Space Center
- Kennett Square
- Key Biscayne
- Key Largo
- Key West
- Keystone Heights
- King of Prussia
- Kingston
- Kissimmee
- Kittanning
- Knox
- Kutztown
- Kylertown
- Labelle
- Lady Lake
- Lahaska
- Lake Buena Vista
- Lake City
- Lake Mary
- Lake Placid
- Lake Wales
- Lake Worth
- Lakeland
- Lakewood
- Lakewood Ranch
- Lancaster
- Land O' Lakes
- Landisville
- Langhorne
- Lansdale
- Lansford
- Lantana
- Largo
- Latrobe
- Lauderdale Lakes
- Lauderdale-by-the-Sea
- Lauderhill
- Lebanon
- Leechburg
- Leesburg
- Leesport
- Lehigh Acres
- Lehighton
- Lemoyne
- Leola
- Levittown
- Lewisberry
- Lewisburg
- Lewistown
- Lighthouse Point
- Ligonier
- Limerick
- Linden
- Lithia
- Lititz
- Littlestown
- Live Oak
- Liverpool
- Lock Haven
- Loganton
- Longboat Key
- Longwood
- Lower Burrell
- Loxahatchee
- Lutz
- Lynn Haven
- MacClenny
- Macungie
- Maitland
- Malvern
- Manchester
- Manheim
- Mansfield
- Maple Glen
- Marathon
- Marco Island
- Margate
- Marianna
- Mars
- Martinsburg
- Mary Esther
- Marysville
- Masontown
- Matamoras
- Mayport
- McAdoo
- McConnellsburg
- McDonald
- McKees Rocks
- McKeesport
- McMurray
- Meadville
- Mechanicsburg
- Media
- Melbourne
- Mercer
- Mercersburg
- Merritt Island
- Meyersdale
- Miami
- Miami Beach
- Miami Gardens
- Miami Lakes
- Miami Shores
- Miami Springs
- Middleburg
- Middleton
- Middletown
- Mifflinburg
- Mifflintown
- Mill Hall
- Millersville
- Millheim
- Millville
- Milton
- Mims
- Minersville
- Miramar
- Miramar Beach
- Monaca
- Monongahela
- Monroeville
- Mont Alto
- Montgomery
- Montgomeryville
- Monticello
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Ukrainian Selfreliance Federal Credit Union | Credit Union | 7.3% |
Franklin Mint Federal Credit Union | Credit Union | 7.5% |
S&T Bank | Commercial Bank | 7.6% |
FedChoice Federal Credit Union | Credit Union | 8.0% |
Police and Fire Federal Credit Union | Credit Union | 8.0% |
TruMark Financial Credit Union | Credit Union | 8.2% |
Advantage Financial Federal Credit Union | Credit Union | 8.3% |
Freedom Credit Union | Credit Union | 8.5% |
American Airlines Federal Credit Union | Credit Union | 8.5% |
Univest Bank and Trust Co. | Commercial Bank | 8.5% |
Tompkins Community Bank | Commercial Bank | 8.5% |
Reliance Federal Credit Union | Credit Union | 8.5% |
Fulton Bank | Commercial Bank | 8.5% |
First Citizens Community Bank | Commercial Bank | 8.5% |
Democracy Federal Credit Union | Credit Union | 8.5% |
Customers Bank | Commercial Bank | 8.5% |
Ardent Federal Credit Union | Credit Union | 8.5% |
Philadelphia Federal Credit Union | Credit Union | 8.8% |
American Heritage Federal Credit Union | Credit Union | 8.9% |
The Bank of Princeton | Commercial Bank | 9.0% |
Parke Bank | Commercial Bank | 9.0% |
TD Bank | Commercial Bank | 9.2% |
Bank of America | Commercial Bank | 10.1% |
PNC Bank | Commercial Bank | 10.6% |
Manufacturers and Traders Trust Company | Commercial Bank | 10.6% |
Truist Bank | Commercial Bank | 11.1% |
KeyBank National Association | Commercial Bank | 11.8% |
HELOC rates in Pennsylvania vary between banks and credit unions. Commercial banks in the state have an average APR of 8.7%, while credit unions offer a slightly lower average of 8.4%. Credit unions are not-for-profit institutions, often allowing them to provide more competitive rates than banks.
When choosing between the two, consider more than just rates. Banks may offer more convenience and a wider range of services, whereas credit unions often provide better customer service and lower fees. Check membership requirements for credit unions and any hidden fees or rate adjustment clauses with both lenders.
How do lenders assess risk when setting HELOC rates for different property types (e.g., primary residence vs. investment property), and how can borrowers mitigate higher rates for non-primary homes?
Ramsey Coulter has worked in the mortgage and credit industry for over 10 years. Currently a mortgage loan originator with CMG Home Loans, he specializes in helping first-time homebuyers navigate...
All loans are about risk. The higher the risk, the higher your rate will be. With investment properties or second homes, since they are not your primary residence the risk is inherently higher in the eyes of the lender — for example, if someone falls on hard times, they are more likely to continue making timely payments on the home they live in rather than an investment or second home.
Usually, if you are taking a HELOC on an investment property, you are using those funds to improve the property or using it to buy another investment property. Having access to cash to make more cash is what investors do. They should always take into account the higher rates when making an investment decision. If successful, the higher rate won't be a problem.
HELOC Payment Calculator
HELOCs have become a popular tool for homeowners across the U.S. looking to tap into their home equity. Use our Pennsylvania HELOC payment calculator to estimate your monthly payments based on the amount drawn, APR and loan terms. It also offers an amortization schedule, showing the split between principal and interest over time. Understanding these details can help you manage your HELOC more effectively and plan your finances.
Pennsylvania HELOC Payoff Calculator
This HELOC payment calculator assumes that you take out one lump sum at the start of your interest-only period. Your actual payoff schedule will vary depending on your interest rate and market conditions.
Credit Line Information
Draw Period Payment
$0
Repayment Period Payment
$0
- Graph view
- Table view
- Amortization
Credit Payoff Schedule for Home Equity Line
YEAR
How to Get the Best HELOC Rates in Pennsylvania
Finding the best HELOC rates in Pennsylvania can save you thousands over the loan's lifespan. Consider these five strategies to secure competitive rates:
Maintain a strong credit score
The average credit score in Pennsylvania is 723. While this is good, aiming for a higher score can secure better rates.
Compare offers from multiple lenders
Shopping around can help you find competitive rates and negotiate better terms.
Reduce your debt-to-income (DTI) ratio
Lower debt-to-income ratios show stability. Pay off credit card debt to improve your ratio.
Increase your home equity
More equity reduces lender risk. Consider paying down your mortgage or making home improvements.
Review closing costs and rate caps
Closing costs affect expenses. Knowing rate caps helps manage HELOC adjustments.
HELOC Loan Rates vs. Home Equity Loan Rates in Pennsylvania
HELOC interest rates in Pennsylvania average 8.5%, higher than home equity loan rates at 7.2%. The difference stems from HELOCs' fluctuating rates versus the fixed rates of home equity loans, affecting the average APRs.
- HELOCs are flexible, revolving credit lines with variable interest rates that can increase in rising interest rate environments, potentially raising homeowners' costs over time.
- Home equity loans offer a lump sum at a fixed rate, providing stability throughout the loan term. They're better for those seeking financial predictability.
When deciding between these options, consider whether you prioritize a HELOC's flexibility and potential cost fluctuations or the stability and predictability of a home equity loan. Both allow borrowing against your home's equity, but your choice should align with your financial goals and risk tolerance.
A cash-out refinance is a HELOC alternative that replaces your primary mortgage with a new, larger loan, allowing you to access cash. Unlike HELOCs or home equity loans, cash-out refinances create a new primary mortgage.
For instance, if you have a loan backed by the Federal Housing Administration (FHA) and your home is valued at $300K with a $150K mortgage balance, an FHA cash-out refinance for $200K could give you $50K in cash, but your new loan payments will be based on $200K.
FAQ: Best HELOC Rates in Pennsylvania
Pennsylvania's HELOC rates average 8.5%, slightly below the national average of 8.7%.
Common fees include application, appraisal, annual and early closure fees, but specifics vary by lender.
HELOC rates in Pennsylvania average 8.5%, while home equity loan rates are lower at around 7.2%, which could benefit those with bad credit.
Commercial banks in Pennsylvania offer HELOC rates averaging 8.7%, while credit unions offer lower rates at 8.4%.
The average HELOC rate in Pennsylvania is 8.5%, while Philadelphia's rates are slightly higher, averaging 8.8%.
MoneyGeek examined 149 different banks and credit unions in Pennsylvania using S&P Global's SNL Depository Rates dataset to stay current on the latest home equity line of credit rates.
This data is accurate as of October 16, 2024.
About Zachary Romeo, CBCA
Zachary Romeo is a certified Commercial Banking and Credit Analyst (CBCA), and the Head of Loans and Banking at MoneyGeek. Previously, he led production teams for some of the largest online informational resources in higher education, with over 13 years of experience in editorial production.
Romeo has a bachelor's degree in biological engineering from Cornell University. He geeks out on minimizing personal debt and helping others do the same through people-first content.