HELOC rates today, November 17, 2025: Less likely to fall more this year if the Fed delays

Core Insights - The current national average HELOC rate is at its lowest for the year, with indications that significant decreases may not occur until 2026 due to Federal Reserve policies [1][2] - Homeowners have over $34 trillion in home equity, marking the third-largest amount on record, which presents opportunities for accessing this equity through HELOCs [2] HELOC Rates and Trends - The average weekly HELOC rate is currently 7.64%, based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio of 70% [2] - Lenders have flexibility in pricing HELOCs, and rates can vary significantly based on individual credit scores and debt levels [5][11] HELOC Mechanics - HELOCs allow homeowners to access their home equity without giving up low-rate primary mortgages, providing a flexible financial tool for various needs [6][12] - Introductory rates, such as 5.99% for 12 months offered by FourLeaf Credit Union, can convert to variable rates later, necessitating careful comparison of terms [8] Financial Implications - A $50,000 HELOC at a 7.50% interest rate would result in a monthly payment of approximately $313 during the draw period, but rates are typically variable, affecting long-term repayment [13] - Utilizing a HELOC can be advantageous for homeowners with low primary mortgage rates, allowing for cash access for home improvements or other expenses without sacrificing favorable mortgage terms [12]