Today's HELOC rates are unchanged following the interest rate cut announced by the Federal Reserve on Wednesday. The prime rate is holding firm for now, but when it drops, home equity line of credit interest rates will likely fall as well. Shop a few lenders to find your best rate. Read more: Is now a good time to take out a HELOC? HELOC rates Friday, September 19, 2025 According to Bank of America, the largest HELOC lender in the country by volume, today's average annual percentage yield (APR) on a 10 ...