The average national rate on a home equity line of credit has fallen with each of the Federal Reserve's three quarter-point rate cuts this year, and is slipping ever closer to 7%. HELOC rates: Friday, December 19, 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 an impressive amount of value tied up in their houses — nearly $36 trillion at ...