HELOC rates today, September 22, 2025: Entering a cycle of falling interest rates

HELOC interest rates currently range from 8.05% to 9.59% APR. Is it a good time to sign up for a home equity line of credit? As we enter a cycle of lower interest rates, HELOC rates are likely to fall and become even more enticing. Dig deeper: Is now a good time to take out a HELOC? HELOC rates Monday, September 22, 2025 According to Bank of America, the largest HELOC lender in the country, today's average APR on a 10-year draw HELOC is 8.72%. That is a variable rate that kicks in after a six-month int ...