HELOC rates today average nationally from 7.8% to 9.34%, down since last week's Federal Reserve interest rate cut. Lenders often base home equity line of credit rates on the prime rate, plus a margin. So, HELOC costs are lower — and below-market introductory rates have fallen too. Dig deeper: Is now a good time to take out a HELOC? HELOC rates Wednesday, September 24, 2025 According to Bank of America, the largest HELOC lender in the country, today's average APR on a 10-year draw HELOC has fallen 8.47% ...