HELOC rates today, September 29, 2025: Average rates are under 8.5%

According to data from Bank of America, the largest HELOC lender in the country, current HELOC interest rates range from 7.80% to 9.34% APR — down from last week. 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 29, 2025 Today's average APR on a 10-year draw HELOC is 8.47%, according to Bank of America ...