HELOC rates today, December 10, 2025: Fed Day expected to move home equity rates even lower

The average HELOC rate has dropped to another 2025 low, according to the analytics company Curinos. With a Federal Reserve interest rate cut today, home equity line of credit rates are likely to fall even more before the end of the year. HELOC rates: Wednesday, December 10, 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 a record amount of ...