Independent TD Bank HELOC review: 4.3/5 for heloc. Best for branch-access heloc in eastern states. Current APY: 7.99%.
Major-bank HELOC with no closing costs and a 0.25% autopay discount. TD Bank HELOC is offered by TD Bank, N.A. and currently holds an average rating of 4.3 out of 5 across 4,560 user reviews. It falls into the HELOC category and tends to be the strongest fit for branch-access heloc in eastern states.
Monthly fee: $0 closing costs. Minimum to open: $25,000. Current APY: 7.99%. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.
For this review of TD Bank HELOC, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the HELOC shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.
Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.