The current national average HELOC rate is falling to new 2025 lows, according to the analytics company Curinos. Home equity line of credit rates are beginning to reflect the lower prime rate in effect since the Federal Reserve's latest rate cut on Dec. 10. HELOC rates: Monday, December 15, 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 have ...