HELOC rates today, November 1, 2025: Rates improve as the prime rate falls

The average HELOC rate is 7.75%, according to analytics company Curinos. A home equity line of credit allows you to access the value in your home, and HELOC rates are getting better and better. HELOC rates: Saturday, November 1, 2025 According to Curinos data, the average weekly HELOC rate is 7.75%. The highest HELOC rate in 2025 occurred in January, and the current rate has fallen 31 basis points since then. This rate is based on applicants with a minimum credit score of 780 and a maximum combined loan ...