PNC HELOC at a glance
- Intro APR
- 5.74%6 months, lines of $50,000+
- After the intro
- 7.77% to 12.30% APRRates as low as, with autopay
- Credit score
- Not published
- Max LTV
- 79.90% to 89.90%Generally
- Line amounts
- Not published
- Fees
- $75 annual; $299 to $599 origination
- Fixed rate
- Yes, 5 to 30 yr locks
- Availability
- Not in AK, HI, LA, MS, NV, SD
From pnc.com, checked October 30, 2026. “Not published” means the lender's own pages that we read do not state it.
PNC HELOC pros and cons
Pros
- A 5.74% intro APR for 6 months on lines of $50,000 or more
- Published post-intro rate range
- Fixed Rate Lock with terms of 5 to 30 years
- Origination fee waived if you draw $25,000 or more under the current offer
- Ready to close in as little as 6 days
Cons
- $75 annual fee
- Title insurance can run $450 to $19,493.25
- Closing costs are repaid if you close the line within 36 months
- Credit minimum, line maximum and draw period are not published
- Not offered in six states
PNC HELOC rates
PNC's 5.74% introductory APR lasts 6 months on lines of $50,000 or more and applies to the variable portion of the line. It requires an application received August 16 to November 30, 2026 and a closing by January 31, 2027.
After the intro period, PNC lists rates “as low as” 7.77% to 12.30% variable APR: the Wall Street Journal prime rate plus a margin, including a 0.25% autopay discount from a qualifying PNC account. The floor is 2.25% and the cap is 24%. See today's prime rate and HELOC rates for context.
How PNC's HELOC works
The line is variable, and the Fixed Rate Lock lets you fix part of the balance: $5,000 minimum, terms of 5 to 30 years (5 to 20 in Tennessee), and $100 for each lock or unlock after the line opens. PNC does not publish its draw and repayment periods on the HELOC page.
PNC says the line can be ready to close in as little as 6 days. On a primary residence, money you request at closing is issued the day after the 3-business-day right to cancel ends.
PNC HELOC requirements
- Credit score: not published.
- Loan-to-value: “maximum LTVs generally range from 79.90-89.90%.” Texas lines go up to 80%.
- Property: Texas lines are for homestead primary residences only. Second home and investment rules are not published.
PNC HELOC fees and closing costs
- Annual fee: $75 (none on Texas accounts).
- Origination fee: $299 to $599 depending on the line amount (none in Texas). Under the current offer it is waived when you draw $25,000 or more; that offer has its own dates, applications August 1 to November 30 and closing by December 31, 2026.
- Title insurance: $450 to $19,493.25, depending on the line.
- Early closure: closing costs must be repaid if you close the line within 36 months (not in Texas).
Where PNC's HELOC is available
PNC does not offer this line in Alaska, Hawaii, Louisiana, Mississippi, Nevada or South Dakota. PNC also offers a home equity installment loan, which we did not compare for this edition.
How PNC compares
The same published facts for PNC and three lenders worth comparing it with, all checked October 30, 2026.
| Lender | Key figure | Min. credit | Line amounts | Review |
|---|---|---|---|---|
 | Intro APR5.74% | Not published | Not published | This review |
 | Intro APR5.49% | Not published | $15,000 to $1,000,000 | Read review of Truist |
 | Lines up to$1,000,000 | 660 | $25,000 to $1,000,000 | Read review of Bank of America |
 | APR as low as6.20% | 660 | $25,000 to $500,000 | Read review of U.S. Bank |
- Truist: A 5.49% intro rate for 9 months and lines of $15,000 to $1,000,000.
- Bank of America: No annual fee and no closing costs on lines up to $1 million.
- U.S. Bank: A published rate range, no closing costs and a 660 minimum score.
PNC HELOC FAQ
What is PNC's HELOC rate?
A 5.74% introductory APR for 6 months on lines of $50,000 or more, for applications received by November 30, 2026 that close by January 31, 2027. After that, rates as low as 7.77% to 12.30% variable APR, including a 0.25% autopay discount.
Does PNC charge an annual fee on its HELOC?
Yes, $75 a year, except on Texas accounts.
How much can you borrow with a PNC HELOC?
PNC says maximum loan-to-value ratios generally range from 79.90% to 89.90%, and up to 80% in Texas. It does not publish a maximum line amount.
Can you get a fixed rate on a PNC HELOC?
Yes. The Fixed Rate Lock fixes $5,000 or more for 5 to 30 years (5 to 20 in Tennessee). Each lock or unlock after the line opens costs $100.
Where is PNC's HELOC not available?
Alaska, Hawaii, Louisiana, Mississippi, Nevada and South Dakota.
Sources
- PNC home equity line of credit page (intro and standard rates, LTV, fees, fixed rate lock, states, closing time), seen October 30, 2026.
Last reviewed October 30, 2026. Rates and terms are what PNC published on its own site, not offers from LenderMatch. LenderMatch is not a lender and does not make loans or credit decisions.
Keep reading
- HELOC requirements and eligibility: credit score, equity, DTI and the documents you need8 min read
- What is a HELOC? How it works, and what happens after year 108 min read
- HELOC vs home equity loan: fixed lump sum or variable line? The $50,000 math8 min read
One short form, about 2 minutes. Lenders in your state reach out with offers, and LenderMatch never pulls your credit.
See your HELOC offersGet our rate updates first: add LenderMatch as a preferred source on Google.