neutral
Recently
US HELOC rates ease slightly amid year-end borrowing demand
US HELOC rates slipped marginally as year-end demand persisted, offering borrowers slightly lower variable-rate borrowing costs.
Home equity line of credit rates in the US edged lower during the week, with the average HELOC rate declining to 8.12% from 8.25%. Variable-rate credit lines continued to attract interest as borrowers sought flexibility near year-end. The easing came as expectations of further Federal Reserve policy accommodation into 2026 influenced short-term borrowing conditions.