A HELOC fixed-rate option is a home equity loan and home equity line of credit hybrid, and it has its own quirks, benefits, and drawbacks.

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With a fixed rate loan, the lender takes on the risk that interest rates may increase (due to inflation or other reasons), in which case they lose out by not receiving an increased return.

This makes the choice between a fixed mortgage and ARM a little trickier. As a general rule, most homebuyers are advised to get fixed-rate mortgages because of their predictability.

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For example, if your loan has a 5.50% fixed rate, you borrowed $30,000 and the term is 10 years, the total interest will be $9,069.41 if you make a fixed monthly payment of $325.58.

For some homeowners, a fixed rate can very easily be the preferred choice while others may find the variable HELOC rate advantageous. HELOC rates have been declining for much of the last year.

Hawaii State FCU Highlights Flexible HELOC Options with Fixed Rate Choice by: Kelly Simek. Posted: May 8, 2025 / 11:14 AM HST. Updated: May 8, 2025 / 11:14 AM HST. by: Kelly Simek.