HELOC rates today, December 3, 2025: Downward momentum continues

The average HELOC rate continues to linger at its 2025 low, according to the analytics company Curinos. Home equity line of credit rates have been slowly drifting down for most of the year, and will likely continue the trend into the new year. HELOC rates: Wednesday, December 3, 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 record amou ...