HELOC rates today, November 9, 2025: Rates are hitting new lows for 2025

HELOC rates are falling. Nationally, the average home equity line of credit interest rate is 7.64%, according to the analytics company Curinos. That's down nearly a half-point since January. HELOC rate: Sunday, November 9, 2025 According to Curinos data, the average weekly HELOC rate is 7.64%, its lowest point so far in 2025. This rate is based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio (CLTV) of 70%. Homeowners have a huge amount of value tied up in the ...