The HELOC interest rate today remains under 9%. However, you don't have to wait for a Fed rate cut to find a lower home equity line of credit interest rate. Shop lenders offering introductory rates. You may find rates as low as 3.99% to 5.99% that will last for six months to one year. Dig deeper: Is it a good idea to get a HELOC? Here are the pros and cons. HELOC rate Sunday, September 14, 2025 According to Bank of America, the largest HELOC lender in the country, today's average APR on a 10-year draw ...