HELOC rates today, December 7, 2025: Lowest rates of the year

Nationally, the average home equity line of credit interest rate is under 7.5%, according to the analytics company Curinos. HELOC rates started in 2025 at over 8%, and they are now at their lowest point of the year. HELOC rate: Sunday, December 7, 2025 According to Curinos data, the average weekly HELOC rate is 7.44%, 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 have a huge amou ...