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Outbyte Driver Updater FREEScan for outdated or missing drivers - takes under a minuteDriver Scan →Outbyte PC Repair FREEClear out junk files and repair common Windows errorsFree Scan →Bank of America’s HELOC offers a six-month introductory variable APR of 5.740%, followed by a displayed variable APR of 8.525%, based on rates published September 23, 2026. The ongoing example includes specific discounts and assumes excellent credit; it is not a personal quote or approval promise. Because the rate can move with the Wall Street Journal Prime Rate, compare the post-introductory cost, repayment transition and early-closure fee—not just the teaser rate.
What Bank of America’s HELOC offers
A home equity line of credit is revolving credit secured by your home. You can draw funds as needed during the draw period, and repaying principal restores available credit while that period remains open. This differs from a home equity loan, which generally provides a lump sum, and a cash-out refinance, which replaces the existing mortgage.
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Bank of America lists home renovations, education expenses, unexpected costs and consolidating higher-interest debt as possible uses. These are examples, not a recommendation to borrow. Since the line is secured by your home, missed payments can put the property at risk.
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What are the Bank of America HELOC rates?
As of September 23, 2026, Bank of America displayed a 5.740% variable introductory APR for six months and an 8.525% subsequent variable APR. The later-rate example assumes excellent credit and includes a 0.125% automatic-payment discount plus a 0.600% discount tied to a $60,000 initial withdrawal. Rates may change without notice and can vary by the state where the collateral property is located. Check the bank’s HELOC rates and disclosures for a current offer before applying.
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The bank says the variable rate is based on the Wall Street Journal Prime Rate and may rise or fall as Prime changes. The introductory rate is also variable; the six-month period does not lock the rate. The bank says customer or other discounts are unavailable during that introductory period.
Discounts that may affect the ongoing rate
- Automatic payments: 0.125% for eligible automatic monthly payments from a Bank of America checking or savings account. Bill Pay does not qualify.
- Initial withdrawal: 0.10% for each $10,000 withdrawn at account opening, up to a maximum discount of 1.50%.
- Rewards: Up to 0.625% for eligible or enrolled Bank of America Rewards members.
Eligibility and conditions apply, and the discounts should not be assumed to stack in every case or match your offer. Confirm the applicable rate and discount terms directly with the bank.
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The bank’s calculator page says the special six-month introductory offer ends December 31, 2026. That is a stated offer end date, not a guarantee that a particular application will qualify or close by then. See the HELOC payment calculator for the offer details.
Who may qualify, and how much might be available?
Bank of America says applicants need a minimum credit score of 660+ and at least 15% equity to get started. It says it may generally lend up to 85% of the home’s value, less the amount owed on the mortgage. These are published guidelines, not a commitment to approve an application or provide a particular line amount.
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The bank says it also reviews factors such as credit history, employment history, income and monthly debts. The public guidance does not establish complete underwriting rules, a personal approval likelihood, all property restrictions or exact state-by-state availability. The bank’s HELOC product page provides its application information; confirm current requirements for your property and location.
How access and repayment work
Bank of America describes a typical 10-year draw period followed by a typical 20-year repayment period. During the draw period, you can borrow, repay principal and borrow again within the available line. Once repayment begins, further draws typically stop and payments include principal and interest. The bank says payments can change as the outstanding balance or variable rate changes, so the end of the draw period may change both access to funds and the payment due.
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The bank says customers can access funds through Online Banking, by phone, at a financial center or with checks, and manage or pay the line online or in its mobile app. Period lengths and payment terms are described as typical; review your own agreement for the actual schedule. See the bank’s HELOC explanation for its overview of how the product works.
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What fees should borrowers check?
Bank of America advertises no application fee, no annual fee, no closing costs for lines up to $1,000,000, and no fee to convert a variable-rate balance to its Fixed-Rate Loan Option. Those advertised terms do not mean the line has no possible costs: the bank’s educational page says an early-closure fee applies if you close the HELOC within 36 months of opening it.
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The public pages do not establish every fee that could apply to an individual application or property. Review the disclosures and ask the bank to identify applicable charges, including the early-closure terms, before opening the line. The bank’s HELOC explainer describes the closure-fee caveat.
Can a balance be converted to a fixed rate?
Bank of America says borrowers may convert some or all of their variable-rate balance into a Fixed-Rate Loan Option, with predictable payments over the selected term. The fixed rate is typically higher than the current variable rate, so the option trades a potentially higher rate at conversion for less rate uncertainty on the converted amount. The bank says borrowers can maintain up to three fixed-rate options at once. There is no conversion fee according to the product terms described above; confirm the option’s current terms and available selections before converting. Details are on the Fixed-Rate Loan Option page.
How to compare it with other home-equity borrowing
No one financing type is universally cheaper or better. Compare the offers using the same proposed borrowing amount and repayment horizon, and account for the costs of the existing mortgage where relevant.
| Factor | Bank of America HELOC | Fixed home equity loan | Cash-out refinance |
|---|---|---|---|
| How funds are received | Revolving access during the draw period | Typically a lump sum | Borrowing through a replacement mortgage |
| Rate exposure | Variable rate; an eligible portion may be converted to a fixed-rate option | Compare the fixed-rate terms in the specific offer | Compare the replacement mortgage rate and terms in the specific offer |
| Existing first mortgage | Does not itself replace the first mortgage | Does not itself replace the first mortgage | Replaces the existing mortgage |
| Best fit to assess | Borrowing in stages or maintaining access to a credit line | Receiving a known lump sum | Evaluating a new mortgage alongside access to home equity |
For each real offer, compare introductory and later rates, rate-change exposure, draw and repayment periods, fees, and total borrowing cost. A HELOC can suit staged borrowing, but borrowing the full line at once may make a lump-sum product worth comparing. A cash-out refinance also changes the first mortgage, so include the cost and terms of replacing it in the comparison.
Tax considerations
Bank of America says HELOC interest may be tax deductible but advises consulting a tax advisor because tax rules can change. Do not assume interest is deductible for your use of funds or circumstances; get tax advice based on current rules. The bank’s HELOC explainer includes its tax caution.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
