$25,000 home equity loan vs. $25,000 HELOC: Which will be cheaper this May?
Homeowners are considering whether to take out a $25,000 home equity loan or a HELOC this May. Current interest rates for home equity loans average 6.95%, while HELOCs are at 7.11%. Both options have seen significant decreases in monthly payments compared to previous years, but borrowers should be cautious of the variable rates associated with HELOCs.
- ▪The average home equity loan interest rate is currently 6.95%.
- ▪A HELOC has a higher average interest rate of 7.11%.
- ▪Monthly payments for both products have decreased significantly over the past year and a half.
2 outlets in our directory ran this story, first to last over 19 hours. All of the coverage we found sits in one bucket: centre. That one-sidedness is itself worth noticing.
- ▪ Dream Big with a Home Equity Loan — CNN.com - RSS Channel - World
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Story provenance
Attribution is not the same as permission. This drawer separates discovery metadata, excerpts, WeSearch-generated summaries, reuse status, and whether the publisher receives the visit. Nothing here claims a legal grant the publisher has not made.
Record
| Original publisher | CBS News — Top |
| Canonical URL | https://www.cbsnews.com/news/25000-home-equity-loan-vs-heloc-cheaper-may-2025/ |
| Publication time | Tue, 28 Apr 2026 15:30:34 -0400 |
| Retrieval time | 2026-04-28T19:35:16.171Z |
| Last seen | 2026-04-28T19:35:16.171Z |
| Headline source | Publisher (no WeSearch rewrite) |
| Excerpt source | publisher body |
| Excerpt method | First ~120 words (~800 chars) of extracted publisher body, fair-use limited. |
| Summary | WeSearch · cerebras-chat (WeSearch summarizer) |
| Summary source text | contentText |
| Citation coverage | Summary is a WeSearch-generated derivative; primary citation is the original publisher URL. |
| Cluster | YX9LIaBZTrNT · 2 stories |
| Cluster logic | Grouped by semantic title/content similarity across sources within a rolling window. Same-publisher template collisions are excluded from coverage comparison. |
| Ranking reason | Story pages are not engagement-ranked. Hub feeds use recency, with optional source-diversified chronological ordering (cap consecutive stories per source). No personalized ranking. |
| Publisher visit | Yes — open original |
| Substitutes article? | No — link-out required for full text |
Rights status (four layers)
WeSearch handling by dimension
| Indexing | May the item be indexed (stored, ranked, made findable)? | Allowed |
| Snippet | May a short excerpt of the publisher's text be shown? | Allowed |
| AI summary | May WeSearch generate its own short summary of the article? | Limited |
| Retrieval / RAG | May the content be exposed for third-party retrieval-augmented generation? | Not asserted |
| Model training | May the content be used to train AI models? | Not asserted |
| Commercial reuse | May the content be reused commercially? | Not permitted |
Basis: Derived from the published RSS/Atom feed. Contact: [email protected]. Reviewed: 2026-07-24.
Opening excerpt (first ~120 words) tap to expand
MoneyWatch: Managing Your Money $25,000 home equity loan vs. $25,000 HELOC: Which will be cheaper this May? We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. .chip { background-image: url('/fly/bundles/cbsnewscore/images/chip-bgd/chip-bgd-moneywatch.jpg'); } By Matt Richardson Matt Richardson Sr. Managing Editor, Managing Your Money Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.
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Excerpt limited to ~120 words for fair-use compliance. The full article is at CBS News — Top.
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