HELOC rates today, September 30, 2025: Holding at a new low for the year

HELOC rates today are sitting at a new low for the year — below 8.50% APR. Lenders have also reduced home equity line of credit introductory rates, as the prime rate ticked down. Dig deeper: Is now a good time to take out a HELOC? HELOC rates Tuesday, September 30, 2025 According to Bank of America, the largest HELOC lender in the country, today's national average APR on a 10-year draw HELOC is 8.47%. That is a variable rate that kicks in after a six-month introductory APR, which is now 5.99% in most p ...