HELOC rates today, December 8, 2025: Rates have dropped 60 basis points this year

The current national average HELOC rate is at its 2025 low, according to the analytics company Curinos. The home equity line of credit rate has dropped 60 basis points since the beginning of 2025. HELOC rates: Monday, December 8, 2025 According to Curinos data, the average weekly HELOC rate is 7.44% — 60 basis points lower than in early January, when it was 8.04%. 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 ha ...