HELOC rates today, December 9, 2025: One more chance for lower HELOC rates this year

Interest rates on home equity lines of credit (HELOCs) are already at 2025 lows. However, with the Federal Reserve considering another cut to the federal funds rate at its meeting Wednesday, rates could move even lower. The CME FedWatch tool is forecasting the chances of a Fed rate cut at 87%. HELOC rates Tuesday, December 9, 2025 According to Curinos data, the average weekly HELOC rate is 7.44%. That's down 62 basis points from its 2025 high in January. This rate is based on applicants with a minimum c ...