Jan C Walker

Interest Rate Heloc 2025. As of 2025, the average heloc interest rate ranges from 7.5% to 8.5%. The current average heloc interest rate is 9.37 percent.

When shopping for a heloc, look for a competitive interest rate, repayment terms that meet your needs and minimal fees. Your lender will use a benchmark interest rate — such as the prime rate — to determine the interest rate of your heloc.