HELOC rates today, December 5, 2025: A quarter-point drop in 5 weeks

HELOC rates continue to steadily fall, according to the analytics company Curinos. The average national rate on a home equity line of credit is down a quarter-point in the past five weeks. HELOC rates: Friday, December 5, 2025 According to Curinos data, the average weekly HELOC rate is 7.44%. 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 an impressive amount of value tied up in their houses — nearly $36 tril ...