HELOC rates are holding under 9% APR as a national average. The Federal Reserve lowered short-term interest rates by a quarter point Wednesday, and the impact is still filtering through the financial system. The prime rate and home equity line of credit interest rates are expected to move slightly lower. Dig deeper: How to use a HELOC to pay off debt (and when it makes sense) HELOC rates Saturday, September 20, 2025 According to Bank of America, the country's highest-volume HELOC lender, today's averag ...