HELOC rates have been gradually decreasing throughout the year. Currently, the average home equity line of credit interest rate is 7.75%, according to the analytics company Curinos. That's a three-basis-point weekly decrease, and rates have fallen by 19 basis points in the past three months. HELOC rate Sunday, October 12, 2025 According to Curinos data, the average weekly HELOC rate is 7.75%, its lowest point so far in 2025. This rate is based on applicants with a minimum credit score of 780 and a maxim ...