Current HELOC interest rates remain below 8.5% APR. Lenders have also reduced home equity line of credit introductory rates over the last couple of weeks, as the prime rate ticked down. Dig deeper: How to get a HELOC in 6 simple steps HELOC rates Tuesday, October 7, 2025 According to Bank of America, the largest HELOC lender in the country, today's national average APR on a 10-year draw HELOC is 8.47%. That is a variable rate that kicks in after a six-month introductory APR, which is now 5.99% in most ...