The average national rate on a home equity line of credit remains under 7.5%, according to the analytics company Curinos. However, following the Federal Reserve's quarter-point rate cut this week, lenders are already sweetening their offers. One example includes a super-low introductory rate. See details below. HELOC rates: Friday, December 12, 2025 According to Curinos data, the average weekly HELOC rate is 7.44%. This rate is based on applicants with a minimum credit score of 780 and a maximum combine ...