HELOC rates today, September 23, 2025: Prime rate edges lower, nudging HELOC rates down

HELOC rates today moved slightly lower nationally. The prime rate responded to the Federal Reserve's quarter-point rate cut as expected, and home equity line of credit interest rates ticked down as a result. Dig deeper: Is now a good time to take out a HELOC? HELOC rates Tuesday, September 23, 2025 According to Bank of America, the largest HELOC lender in the country, today's national average APR on a 10-year draw HELOC fell a quarter-point to 8.47%. That is a variable rate that kicks in after a six-mo ...