Today's national average HELOC rate remains well below 8%, according to analytics company Curinos. With the prime rate now down to 7%, home equity line of credit interest rates are continuing to fall at national lenders. Shop more than one HELOC lender to score your lowest rate. HELOC rates: Friday, November 14, 2025 According to Curinos data, the average weekly HELOC rate is 7.64%, down 40 basis points since January. This rate is based on applicants with a minimum credit score of 780 and a maximum comb ...