HELOC rates today, October 15, 2025: Rates could keep falling

HELOC rates have been steadily decreasing throughout the year. According to the analytics company Curinos, the average rate on a home equity line of credit is 7.75%, an all-time low for 2025. HELOC rates could continue to drop. The prime rate has the most significant impact on HELOC interest rates, and it is influenced by the federal funds rate. If the Federal Reserve lowers the fed funds rate at its October 29 meeting, the prime rate may also decrease — and take HELOC rates down with it. HELOC rates: W ...