HELOC Rates Remain Low, Potential Drop Looming
ByAinvest
Wednesday, Aug 27, 2025 6:02 am ET1min read
BAC--
HELOC rates today remain below 9%, with an average APR of 8.72% according to Bank of America. Lenders determine HELOC rates based on an index rate plus a margin, and rates can vary depending on credit score, debt, and home value. Homeowners can access home equity with a HELOC without giving up their low-rate mortgage, allowing for flexible use of home equity up to the credit line limit.
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