KeyBank vs. Huntington Bank HELOC
KeyBank and Huntington Bank compared on rates, fees, borrowing limits and fixed-rate options, from each lender's published terms.
Reviewed by Shawn Way, NMLS #1007298★ 4.9 from 111 reviewsUpdated
Disclosure: Shawn Way is a loan officer at West Capital Lending, Inc., which competes with these lenders. HELOCHQ isn't paid by any lender for reviews, and every fact below comes from the lender's own published terms.
Huntington lets you borrow far more of your home's value (89.99% vs. KeyBank's 80%) and publishes its rates. KeyBank fits existing customers with plenty of equity.
On this page
Side by side
| KeyBank | Huntington Bank | |
|---|---|---|
| Type | Regional bank | Regional bank |
| Rate | Variable; 0.25% relationship discount | Variable, prime plus or minus a margin; 6.89%–13.18% APR on lines of $25,000+ as of September 28, 2026; cap 18% |
| Credit score | Not published by KeyBank as of October 26, 2026; ask the lender | Not published by Huntington Bank as of October 26, 2026; ask the lender |
| Max borrowing | Up to 80% on owner-occupied homes | Up to 89.99% (80% in Texas) |
| Line size | $10,000–$500,000 | $10,000 and up; lines under $25,000 price higher |
| Terms | Draw period with interest-only or principal-and-interest payments; lengths not stated | 10-year draw, 20-year repayment |
| Fees | Not published by KeyBank as of October 26, 2026; ask the lender | $60 annual fee ($50 in Minnesota, none in Texas); mail-away closing fees of $140–$375 where a third party closes; $75 per fixed-rate conversion in most states |
| Fixed-rate option | Not published by KeyBank as of October 26, 2026; ask the lender | Convert part of the balance to a fixed rate; $75 per conversion |
Sources: KeyBank (checked October 26, 2026) and Huntington Bank (checked October 26, 2026). Terms change; confirm with each lender.
Use a free calculator, or get your HELOC rate from Shawn.
The difference that matters
KeyBank doesn't publish rates, fees or draw terms, so get a written quote. Huntington lists a $60 annual fee and an 18% cap.
Choose KeyBank if
- You're a KeyBank customer and can use the 0.25% relationship discount
- You have at least 20% equity left after the line
- You want flexible interest-only or principal payments
Choose Huntington Bank if
- You need to borrow above 80% of your home's value
- You want to see published rates before applying
- You may want to fix part of the balance
If neither fits
Different lenders draw the line in different places on credit score, loan-to-value, property type and state. A broker can price several lenders with one application. Get your HELOC rate, or if you already have an offer from either lender, see how it compares with HELOCs closed this year.
Full reviews
Shawn Way is a loan officer at West Capital Lending, Inc., which may compete with the lenders reviewed here and may also arrange loans through some of them as a mortgage broker. Facts come from each lender's own website on the date shown and can change; confirm current terms with the lender.
Sources
Official sources behind this guide.
- What is the difference between a home equity loan and a HELOC? · Consumer Financial Protection Bureau
- What you should know about home equity lines of credit (booklet, PDF) · Consumer Financial Protection Bureau
- Regulation Z §1026.40: Requirements for home equity plans · Consumer Financial Protection Bureau