The current national average HELOC rate is 7.75%, according to the analytics company Curinos. This week, we should begin seeing home equity line of credit rates inching further down, as the quarter-point drop in the prime rate impacts the rate cards of lenders across the nation. HELOC rates: Monday, November 3, 2025 According to Curinos data, the average weekly HELOC rate is 7.75%. This rate is based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio (CLTV) of 70 ...