HELOC rates today, November 12, 2025: Lowest of the year, but will rates drop again before the end of the year?

The average HELOC rate is 7.64%, according to the analytics company Curinos. That's the lowest rate of the year, but there's no guarantee that the home equity line of credit rate will move much lower by the end of this year. The Federal Reserve has said that another interest rate cut before the end of the year is "far from" a foregone conclusion. HELOC rates: Wednesday, November 12, 2025 According to Curinos data, the average weekly HELOC rate is 7.64%. This rate is based on applicants with a minimum cr ...