HELOC rates today, December 27, 2025: Lowest HELOC rates in 3 years

The national average HELOC rate will wrap up 2025 with its lowest rate in three years. Home equity line of credit lenders are repricing their variable and introductory rates for 2026 borrowers. HELOC rates: Saturday, December 27, 2025 According to Curinos data, the average national monthly 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%. With mortgage rates refusing to budge, homeowners with home equity a ...