The current average HELOC rate is 7.75%, according to the analytics company Curinos. Interest rates on home equity lines of credit hovered around 8% for most of 2025, but they started decreasing more significantly once the prime rate decreased in mid-September, following the federal funds rate cut. HELOC rates: Monday, October 20, 2025 According to Curinos data, the average weekly HELOC rate is 7.75%, down three basis points week over week and 31 basis points since January. This rate is based on applica ...