HELOC interest rates currently range from 8.05% to 9.59% APR. Yet you may see promotional home equity line of credit rates that are much lower. Those introductory rates are usually offered for up to one year. Then, the variable rate discussed here kicks in. Dig deeper: Is now a good time to take out a HELOC? HELOC rates Monday, September 15, 2025 According to Bank of America, the largest HELOC lender in the country, today's average APR on a 10-year draw HELOC is 8.72%. That is a variable rate that kick ...

HELOC rates are holding under 9% APR as a national average. Wednesday, the Federal Reserve is expected to lower short-term interest rates. That would impact the prime rate and move home equity line of credit interest rates lower. Dig deeper: How to use a HELOC to pay off debt (and when it makes sense) HELOC rates Saturday, September 13, 2025 According to Bank of America, the country's highest-volume HELOC lender, today's average APR on a 10-year draw HELOC is 8.72%. That is a variable rate that kicks i ...