PNC Bank vs. Huntington Bank HELOC
PNC Bank 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 more, up to 89.99% of your home's value, and caps the rate at 18%. PNC offers more fixed-rate flexibility and lines up to $1 million but has a 24% cap.
On this page
Side by side
| PNC Bank | Huntington Bank | |
|---|---|---|
| Type | National bank | Regional bank |
| Rate | Variable, prime plus a margin; 7.87%–14.50% APR for $10,000–$1,000,000 lines as of August 16, 2026; floor 2.25%, cap 24% | 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 PNC Bank as of October 26, 2026; ask the lender | Not published by Huntington Bank as of October 26, 2026; ask the lender |
| Max borrowing | Not published by PNC Bank as of October 26, 2026; ask the lender. Loan-to-value affects the rate | Up to 89.99% (80% in Texas) |
| Line size | $10,000–$1,000,000 | $10,000 and up; lines under $25,000 price higher |
| Terms | Draw and repayment periods; lengths not stated on the rates page | 10-year draw, 20-year repayment |
| Fees | $75 annual fee (none in Texas); origination fee $299–$599 by line size; title insurance may apply; closing costs PNC paid are owed back if closed within 36 months | $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 | Fixed Rate Lock on $5,000 or more for 5 to 30 years; $100 fee for each lock after opening | Convert part of the balance to a fixed rate; $75 per conversion |
Sources: PNC Bank (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
Both charge an annual fee ($75 at PNC, $60 at Huntington). PNC adds an origination fee of $299 to $599; Huntington's closing costs depend on whether a third party closes.
Choose PNC Bank if
- You want fixed-rate locks over terms from 5 to 30 years
- You need a line approaching $1 million
- You bank with PNC
Choose Huntington Bank if
- You have less equity and need a high loan-to-value
- You want a lower lifetime rate cap
- You're in Huntington's Midwest or Southeast states
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