HELOC rates today, October 4, 2025: Your introductory rate might last through two more interest rate cuts

The average rate on a home equity line of credit remains just below 8.5%. With the Federal Reserve lowering interest rates, by the time your below-market introductory rate expires, HELOC rates might be even lower. Dig deeper: How to use a HELOC to pay off debt (and when it makes sense) HELOC rates Saturday, October 4, 2025 According to Bank of America, the country's highest-volume HELOC lender, today's average APR on a 10-year draw HELOC is 8.47%. That is a variable rate that kicks in after a six-month ...