HELOC rates today, November 10, 2025: Tapping your home's equity at its lowest cost of the year

The current national average HELOC rate is 7.64%, according to the analytics company Curinos. As home equity line of credit rates continue to fall, you'll want to shop two or three lenders for your best offer. HELOC rates: Monday, November 10, 2025 According to Curinos data, the average weekly HELOC rate is 7.64%. 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 their houses — ...