HELOC rates today average under 9% APR nationally. If the Federal Reserve lowers short-term interest rates tomorrow, as expected, home equity line of credit interest rates may ease down as well. It may not be a big rate break, but hopefully the first of more to come. Dig deeper: Is now a good time to take out a HELOC? HELOC rates Tuesday, September 16, 2025 According to Bank of America, the largest HELOC lender in the country, today's average APR on a 10-year draw HELOC is 8.72%. That is a variable rat ...