HELOC rates today, November 16, 2025: With another Fed rate cut in doubt, this might be as low as rates go

Nationally, the average home equity line of credit interest rate remains under 8%, according to the analytics company Curinos. With a Federal Reserve rate cut in doubt for December, HELOC rates might not drop much further this year. HELOC rate: Sunday, November 16, 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 ...