Lenders have begun lowering their home equity lines of credit (HELOCs) rates. One example, Bank of America, one of the largest HELOC lenders in the nation, has cut its HELOC rates across all states, with a range from 7.3% to 8.84%, depending on location. HELOC rates Tuesday, December 16, 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 less than 70%. Homeowners ...