HELOC rates today, September 17, 2025: How a Fed rate cut might affect HELOCs

HELOC rates today average nationally from 8.05% to 9.59%. Lenders often base home equity line of credit rates on the prime rate, plus a margin. If the Federal Reserve lowers short-term interest rates today, HELOC costs might decline soon. Dig deeper: Is now a good time to take out a HELOC? HELOC rates Wednesday, September 17, 2025 According to Bank of America, the largest HELOC lender in the country, today's average APR on a 10-year draw HELOC remains 8.72%. That is a variable rate that kicks in after ...