HELOC rates today, September 13, 2025: A Fed rate cut Wednesday could lower HELOC rates

HELOC rates are holding under 9% APR as a national average. Wednesday, the Federal Reserve is expected to lower short-term interest rates. That would impact the prime rate and move home equity line of credit interest rates lower. Dig deeper: How to use a HELOC to pay off debt (and when it makes sense) HELOC rates Saturday, September 13, 2025 According to Bank of America, the country's highest-volume HELOC lender, today's average APR on a 10-year draw HELOC is 8.72%. That is a variable rate that kicks i ...