HELOC rates today are lower than they were one week ago, as the prime rate fell to 7.25%. National average home equity line of credit interest rates range from 7.8% to 9.34%. 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 26, 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-year draw HELOC is down to 8.47%. That is a variable rate that k ...