According to analytics company Curinos, the current average HELOC rate is 7.75%. The Federal Reserve rate cut announced this week will be filtering through the financial system over the coming days, and home equity lines of credit interest rates are expected to move slightly lower. HELOC rates: Friday, October 31, 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 co ...