HELOC rates today, November 8, 2025: The national average rate is falling

The national average HELOC rate is 7.64%, according to analytics company Curinos. That's a good shopping benchmark for home equity line of credit interest rates. However, your introductory rate, in effect for an initial period of time, is likely to be significantly lower than that. HELOC rates: Saturday, November 8, 2025 According to Curinos data, the average weekly HELOC rate is 7.64%. The highest HELOC rate in 2025 occurred in January, and the current rate has fallen 42 basis points since then. This r ...