New York Home Equity Loan - 10 YearsNY Current Home Equity Rates

Current home equity loan rates in New York - Ten Year Loan

(Last Updated: 03/21/2026)
Home Equity Lenders
APR
Rate
Monthly Payment
 Contact details
7.500% APR 7.500% Rate $1,188 Est. Payment per month
Conditions:
This is not a pre-approval or an offer of credit. This is an invitation to apply and to qualify for a loan you must meet our credit and other requirements. Applicants are required to complete an application, provide income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. FBKC’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. Offer APRs assume automatic payment enrollment which provides a .50% discount (autopay enrollment is not a condition of loan approval). Origination fee is discounted to $397.50 with autopay enrollment. The HELOC interest rate floor is 5% and ceiling is 18%. Our minimum line amount is $25,000 and maximum line amount is $350,000. The minimum draw amount is $25,000 or half of the maximum line amount, whichever is greater. HELOCs require you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, are subject to change without notice. Repayment begins 30 calendar days after funding. FBKC also offers fixed rate Home Equity Loans (HELOAN). Rates vary depending on credit, CLTV, property type, occupancy and loan terms.
  • Customized Rate Quote
  • 24/7 Online Borrower Portal
  • Streamlined Online Application
  • Up to 100% LTV
7.000% APR 7.000% Rate $1,162 Est. Payment per month
7.625% APR 7.625% Rate $1,194 Est. Payment per month
7.490% APR 7.490% Rate $1,187 Est. Payment per month
7.250% APR 7.250% Rate $1,175 Est. Payment per month
8.125% APR 8.125% Rate $1,220 Est. Payment per month
7.240% APR 7.240% Rate $1,174 Est. Payment per month
7.100% APR 7.100% Rate $1,167 Est. Payment per month
13.375% APR 13.300% Rate $1,511 Est. Payment per month
8.440% APR 8.440% Rate $1,237 Est. Payment per month
7.625% APR 7.625% Rate $1,194 Est. Payment per month
7.900% APR 7.900% Rate $1,208 Est. Payment per month
8.695% APR 8.695% Rate $1,251 Est. Payment per month
6.500% APR 6.500% Rate $1,136 Est. Payment per month
7.250% APR 7.250% Rate $1,175 Est. Payment per month
7.375% APR 7.375% Rate $1,181 Est. Payment per month
6.490% APR 6.490% Rate $1,135 Est. Payment per month
5.910% APR 5.910% Rate $1,106 Est. Payment per month
6.750% APR 6.750% Rate $1,149 Est. Payment per month
8.400% APR 8.400% Rate $1,235 Est. Payment per month
8.250% APR 8.250% Rate $1,227 Est. Payment per month
Rate data provided by RateUpdate.com. Displayed by 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.
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