HELOC rates today, December 6, 2025: Rates fall under 7.5%

The national average HELOC rate has inched down, according to analytics company Curinos. The rate on a home equity line of credit is now under 7.5% — its lowest point in 2025. HELOC rates: Saturday, December 6, 2025 According to Curinos data, the average weekly HELOC rate is 7.44%. The highest HELOC rate in 2025 occurred in January, and the current rate has fallen by over a half-point since then. This rate is based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ra ...