The average national rate on a home equity line of credit remains under 7.5%, according to the analytics company Curinos. However, following the Federal Reserve's quarter-point rate cut this week, lenders are already sweetening their offers. One example includes a super-low introductory rate. See details below. HELOC rates: Friday, December 12, 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 combine ...

The current national average HELOC rate is at its 2025 low, according to the analytics company Curinos. The home equity line of credit rate has dropped 60 basis points since the beginning of 2025. HELOC rates: Monday, December 8, 2025 According to Curinos data, the average weekly HELOC rate is 7.44% — 60 basis points lower than in early January, when it was 8.04%. 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 ha ...

Core Insights - HELOC rates have been declining throughout the year, currently averaging 7.75%, with potential for further decreases as the Federal Reserve is expected to lower rates soon [1][2] HELOC Rates and Trends - The average HELOC rate is at its lowest point in 2025, based on data from Curinos, with a minimum credit score requirement of 780 and a maximum combined loan-to-value ratio of 70% [2] - Home equity in the U.S. reached over $34 trillion by the end of 2024, marking the third-largest amount on record [2] Homeowner Behavior - With mortgage rates above 6%, homeowners are likely to retain their low-rate primary mortgages, making HELOCs an attractive alternative for accessing home equity [3] - Homeowners can utilize HELOCs without sacrificing their existing low-rate mortgages, allowing for flexible access to funds as needed [6][9] Lender Considerations - HELOC interest rates are determined by an index rate plus a margin, with the current prime rate at 7.25% [4] - Lenders have flexibility in pricing HELOCs, and rates can vary significantly based on creditworthiness and other factors [5][10] Financial Implications - A HELOC allows homeowners to borrow only what they need, avoiding interest on unused credit [9] - For a $50,000 HELOC at a 7.75% interest rate, the monthly payment during the draw period would be approximately $323, but rates are typically variable, leading to potential increases in payments over time [12] Usage of HELOCs - HELOCs can be used for various purposes, including home improvements and personal expenses, making them a versatile financial tool for homeowners with significant equity [11]