U.S. Bank HELOC vs. Bank of America HELOC
Side-by-side comparison · Updated 2026 · Independently reviewed
U.S. Bank HELOC
U.S. Bank
4.3
Big-bank HELOC with no origination fee, high credit limits up to $750k, and a 0.5% autopay discount.
Full review →
Bank of America HELOC
Bank of America
4.1
No closing costs, no annual fee HELOC with Preferred Rewards discounts for existing BofA customers.
Full review →WealthSpott Verdict
U.S. Bank HELOC wins on more measurable categories — particularly on rate and cost. Bank of America HELOC may still be the right fit depending on your loan amount and term needs.
Feature
U.S. Bank HELOC
Bank of America
APR Range
8.20% – 12.80% Best
8.60% – 14.40%
Loan Amount
$15,000 – $750,000
$25,000 – $1,000,000 Best
Term Length
120–360 months
120–240 months
Origination Fee
No origination fee; $90/yr after year 1
No closing costs; no annual fee
Min Credit Score
660+ Best
680+
Funding Speed
2–4 weeks
2–4 weeks
U.S. Bank HELOC
Bank of America HELOC
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