Nationally, the average home equity line of credit interest rate is below 7.5% and falling, according to the analytics company Curinos. Lenders are revising pricing to the new, lower prime rate of 6.75%. HELOC rate: Sunday, December 14, 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 combined loan-to-value ratio (CLTV) of 70%. Homeowners had nearly $36 trillion of value in their homes at the end o ...