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Best Lenders For Home Equity Line Of Credit (Which Is The Best Lenders For HELOC?)Summary: Best HELOC Rates ; Citizens � % ; Fifth Third Bank � % ; Connexus � % ; Alliant Credit Union � % ; US Bank � %. Regular Annual Percentage Rate (APR). % intro variable APR for 6 months then % Variable (vary by location). Recommended Credit. Best for discounts. Bank of America � 20 years ; Best for no closing costs. U.S. Bank � 10, 15 or 20 years ; Best for low introductory rates. Connexus Credit Union.