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HELOC rates today, December 1, 2025: Home equity borrowing just got cheaper Is December the turning point as lenders brace for another Fed shift?

HELOC rates today: Home equity line of credit rates slipped again on December 1. The national average HELOC rate stands near 7.64%, according to new lender data. Some large banks now quote APRs around 7.75% to 7.90%, down from levels above 8.5% seen earlier this year.