HELOC rates today, December 21, 2025: A holiday cash flow solution gets a rate break

As the national average home equity line of credit interest rate continues to fall, homeowners are finding a HELOC to be a welcome holiday cash flow solution. With pricing as low as it's been in three years, based on the prime rate, a HELOC is more affordable these days too. HELOC rate: Sunday, December 21, 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%. ...