Truist HELOC at a glance
- Intro APR
- 5.49%9 months; apply by Nov 30, 2026
- After the intro
- 7.25% to 13.85% APRPrime 7.00% as of Sept 17, 2026
- Line amounts
- $15,000 to $1,000,000
- Credit score
- Not publishedExcellent credit for the lowest rates
- Draw / repay
- 10 yr draw, 20 yr repay
- Fees
- Other fees $0 to $10,000 by state
- Fixed rate
- Yes, 7.24% to 14.83% APR
- Availability
- 18 states and DC
From truist.com, checked October 30, 2026. “Not published” means the lender's own pages that we read do not state it.
Truist HELOC pros and cons
Pros
- A 5.49% intro APR for 9 months
- Lines up to $1,000,000
- Fixed-rate draws of 5 to 30 years
- Truist can pay closing costs and waive repayment if the line stays open 3 years
- Second homes eligible
Cons
- Lends in only 18 states and DC
- No investment properties
- Other fees of $0 to $10,000 depending on the state
- Credit minimum and maximum CLTV are not published
- Advanced closing costs are repaid if you close within 36 months
Truist HELOC rates
Truist's intro rate is prime minus 1.51%, which was 5.49% APR, for 9 months. It applies to applications received through November 30, 2026 that close by January 29, 2027, on lines of $15,000 to $1,000,000. The intro range runs from 5.49% up to prime plus 5.09% (12.09%), depending on your profile.
After the intro, the variable rate runs from prime plus 0.25% (7.25% APR) to prime plus 6.85% (13.85% APR), based on prime of 7.00% as of September 17, 2026. Truist says excellent credit is required for the lowest rates. The maximum APR is 18%, or 16% in North Carolina. See today's prime rate.
How Truist's HELOC works
You get a 10-year draw period and a 20-year repayment period; the minimum payment in repayment is 1/240th of the balance plus interest.
The fixed-rate option lets you fix a draw at 7.24% to 14.83% APR for 5, 10, 15, 20 or 30 years. Each fixed draw has a $15 setup fee and a $5,000 minimum, and up to 5 can be open at once.
Truist HELOC requirements
- Credit score: not published; “excellent credit is required to qualify for the lowest rates.”
- Combined loan-to-value: not published.
- Property: primary homes and second homes (occupied at least 14 days a year). No investment properties.
Truist HELOC fees and closing costs
You can pay closing costs yourself, or Truist advances most or all of them and waives repayment if the line stays open 3 years; close it within 36 months and you repay them. The bank-paid option is available in some states on lines of $500,000 or less, and rates can differ if you choose it.
Truist says other fees may be charged at or after closing, from $0 to $10,000 depending on the state. An annual fee is not listed on the page we read.
Where Truist's HELOC is available
Truist offers its HELOC in 18 states and DC, including Alabama, Arkansas, California, Florida, Georgia, Kentucky, Maryland, Mississippi, North Carolina, New Jersey, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and West Virginia.
How Truist compares
The same published facts for Truist and three lenders worth comparing it with, all checked October 30, 2026.
| Lender | Key figure | Min. credit | Line amounts | Review |
|---|---|---|---|---|
 | Intro APR5.49% | Not published | $15,000 to $1,000,000 | This review |
 | Intro APR5.74% | Not published | Not published | Read review of PNC Bank |
 | Lines up to$1,000,000 | 660 | $25,000 to $1,000,000 | Read review of Bank of America |
 | Intro APR5.49% | Not published | From $5,000 | Read review of Connexus Credit Union |
- PNC: A 5.74% intro rate for 6 months and a published loan-to-value range.
- Bank of America: Lines up to $1,000,000 with no closing costs, in all 50 states.
- Connexus: A 5.49% intro rate that lasts until October 1, 2027, with a 15-year draw.
Truist HELOC FAQ
What are Truist's HELOC rates?
A 5.49% intro APR for 9 months on applications through November 30, 2026, then 7.25% to 13.85% variable APR based on prime of 7.00% as of September 17, 2026. Fixed-rate draws run 7.24% to 14.83% APR.
What credit score do you need for a Truist HELOC?
Truist does not publish a minimum. It says excellent credit is required for the lowest rates.
How much can you borrow with a Truist HELOC?
Lines of $15,000 to $1,000,000 qualify for the current intro offer. Truist does not publish a maximum combined loan-to-value.
Can you get a fixed rate on a Truist HELOC?
Yes. You can fix a draw of $5,000 or more for 5 to 30 years, with a $15 setup fee per fixed draw and up to 5 open at once.
Does Truist offer HELOCs on investment properties?
No. Truist lends on primary homes and on second homes occupied at least 14 days a year.
Sources
- Truist HELOC page (intro and standard rates, line amounts, terms, fixed option, fees, property rules, states), seen October 30, 2026.
Last reviewed October 30, 2026. Rates and terms are what Truist 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
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