According to analytics company Curinos, the current average HELOC rate is 7.75%. The prime rate is expected to move lower next week following an anticipated Federal Reserve rate cut, which means home equity lines of credit interest rates are likely to fall soon after. HELOC rates: Friday, October 24, 2025 According to Curinos data, the average weekly HELOC rate is 7.75%, down 31 basis points since January. This rate is based on applicants with a minimum credit score of 780 and a maximum combined loan-to ...