HELOC rates have been slowly falling all year. The average home equity line of credit interest rate is 7.75%, according to the analytics company Curinos. With the Federal Reserve poised to lower rates again in the coming week, HELOC rates may drop further. HELOC rate: Sunday, October 26, 2025 According to Curinos data, the average weekly HELOC rate is 7.75%, its lowest point so far in 2025. This rate is based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio (CL ...