National Average Interest Rate

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HELOC rates today

Yahoo Finance

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Business

Business & Economics

HELOC rates today, July 5, 2025: The home equity line of credit rate remains unchanged

Summary

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72% Informative

The national average HELOC interest rate stands firm as Americans enjoy a patriotic holiday.

Today 's average rate on a 10-year draw HELOC is 8.90% , according to Bank of America .

The best HELOC lenders offer low fees, a fixed-rate option, and generous credit lines.

Look for introductory rates, but be aware of a rate adjustment later.

If you take out the full $ 50,000 from a line of credit on a $ 400,000 home, your payment may be around $395 per month with a variable interest rate beginning at 8.75% . That's for a HELOC with a 10-year draw period and a 20-year repayment period. That sounds good, but remember, it winds up being a 30-year loan. HELOCs are best if you borrow and pay back the balance in a much shorter period of time..

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informal

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English

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not offensive

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not hateful