Today's HELOC rates are averaging just under 9% nationally. Your home equity line of credit interest rate will likely begin much lower than that, with an introductory offer that can last from six months to one year. Shop a few lenders to find the deepest rate discount. Read more: Is now a good time to take out a HELOC? HELOC rates Friday, September 12, 2025 According to Bank of America, the largest HELOC lender in the country by volume, today's average annual percentage yield (APR) on a 10-year draw HE ...