Current home equity line of credit (HELOC) rates in Downsville, Wisconsin include Plymouth County Teachers Federal Credit UnionPlymouth County Teachers Federal Credit UnionA5.0 ★Texas Ratio: 10.09% offering HomeRun HELOC at 4.75%, Glacier Hills Credit UnionGlacier Hills Credit UnionA+5.0 ★Texas Ratio: 3.86% offering Home Equity LOC at 4.99%, TruNorthern Federal Credit UnionTruNorthern Federal Credit UnionA+5.0 ★Texas Ratio: 2.16% offering Fixed Mortgage and Home Equity Loans at 5.00%, Gundersen Credit UnionGundersen Credit UnionA+5.0 ★Texas Ratio: 0.77% offering In-House Second Mortgage - 5 Year Fixed at 5.00%, and The Park BankThe Park BankA5.0 ★Texas Ratio: 6.36% offering Home Equity 6 Month Fixed Introductory Rate HELOC Special at 5.24%. Home equity and HELOC rates as of August 28, 2026 according to verified data from MonitorBankRates. Use the tabs below to compare home equity loans and HELOCs side by side. Rates are continually updated — we recommend checking back frequently.
Rates reflect actual verified offers from lenders actively serving Wisconsin borrowers. Your final approved rate will depend on your credit profile, the equity in your home, your combined loan-to-value ratio, and daily market movements. Last Updated and Verified: August 28, 2026
APR range up to 5.11%
Contact the credit union for details.
As Low As
APR range up to 5.37%
Contact the credit union for details.
No additional details available.
As Low As
As Low as
No additional details available.
Annual Percentage Rate. APR is based on <= 80% loan to value. Terms up to 30 years. First mortgage rates available for 80.01 - 90% loan to value. Estimated closing costs of $800 and may be financed. Contact a loan officer for more details. For lowest rates, checking with direct deposit and automatic payments required at Evergreen Credit Union. Rates effective 07/16/2026.
APR range up to 5.64%
All rates subject to change and based on credit history. Closing cost may apply. Minimum loan amount $5,000.
As Low As
No additional details available.
Starting at
Starting at
As Low as; Rate may change after 5 years and payment amount will change.
All rates subject to change and based on credit history. Closing cost may apply. Minimum loan amount $5,000.
Rate is dependent on credit history, and may be lower than personal solar loan
Interest rates and APRs (Annual Percentage Rate) are effective as of 07/30/2026 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender.
No additional details available.
Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications. Loans are subject to credit approval. Restrictions may apply.
Annual Percentage Rate. APR is based on <= 80% loan to value. Terms up to 30 years. First mortgage rates available for 80.01 - 90% loan to value. Estimated closing costs of $800 and may be financed. Contact a loan officer for more details. For lowest rates, checking with direct deposit and automatic payments required at Evergreen Credit Union. Rates effective 07/16/2026.
No additional details available.
up to 85% of cost or 80% of appraised value, whichever is less
Up to 80.00% LTV
No additional details available.
No additional details available.
Rates quoted are available only on owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on 1st mortgage loans above 80% LTV. APR and payment example based upon a home equity loan transaction, a credit score above 740, and 80% LTV with the following terms: $25,000 home equity loan amortized over 10 years (120 months), with an interest rate of 5.750% and a monthly principal and interest payment of $274.42, This payment does not include amounts for taxes and insurance premiums. Offer is subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Other home equity loan options and programs are available. Home equity lines of credit (HELOCs) are not eligible. Membership eligibility is required.
Rates quoted are available only on owner-occupied homes located in Wisconsin. Offer is subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate.
As Low As
As low as; 6.125%
As Low as
90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660.
As Low As; Normal closing cost approximately $199 (for title search and recording) unless appraisal is needed. For approval, an appraisal or tax statement value is needed. Appraisal may be required. Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply.
As Low As
As Low As
Rate is variable. Maximum Rate 17% APR. Owner occupied, Wisconsin only. Excludes existing Glacier Hills HELOC refinances.
90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660.
As Low As
As Low As
As low as; 6.375%
No additional details available.
No additional details available.
Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications. Loans are subject to credit approval. Restrictions may apply.
up to 80% LTV
No additional details available.
No additional details available.
08/26/2026 ** ARM is Adjustable Rate Mortgage. Second Mortgage ARM's are amortized over up to 15 years. Loan rates, mortgage product, and conditions are based on your credit score, loan to value (equity), and personal qualifications. To obtain a specific rate and mortgage product with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice. Second lien mortgage position and owner occupied properties. Wisconsin properties only. Membership eligibility required.
up to 80% LTV
Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required.
Interest rates and APRs (Annual Percentage Rate) are effective as of 07/30/2026 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender.
Call for rate tiers/LTV
As Low As
180 months
No additional details available.
No additional details available.
No additional details available.
As low as
Rate is variable. Maximum Rate 17% APR. Owner occupied, Wisconsin only. Excludes existing Glacier Hills HELOC refinances.
Rate: Prime (WSP) - 2.00% Currently 4.75%; Max LTV 60% or less up to $350,000
Rate is variable. Additional rates and terms are available. Rate is locked for 12 months, then set at Prime (recently 6.75%) or as low as 4.00% APR whichever is higher. Rate subject to change after 12 months from closing date, and thereafter on the last day of each month based on the Wall Street Journal published Prime Rate on the 20th of each month. Maximum Rate 17% APR. Minimum payment is 0.50% of balance as of the end of the billing cycle, plus accrued monthly finance changes, fees and amounts past due. Minimum credit line is $5,000. Property insurance required, flood insurance may be required. If an appraisal is required, there will be an additional charge typically $385 - $500. Owner occupied, Wisconsin only. Excludes existing Glacier Hills HELOC refinances.
Introductory Rate
No additional details available.
As Low As; Loan to Value: 80% or less
Introductory rate; After 24 months variable 7.24% - 10.00% APR applies.
Promotional Rate
No Fees Apply
No additional details available.
As Low As; The advertised APR includes a 0.50% discount for PCU checking and auto pay. After the 12-month introductory period the rate is indexed to the Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18% and never falls below 4%. During the introductory and 10-year draw period, the minimum monthly payment will be (a) $50 or (b) the accrued interest on the outstanding balance under the agreement as of the close of the billing cycle, whichever is greater.
Intro rate for 12 months; Max LTV up to 80%
variable rates
As Low As
No additional details available.
Intro rate expires: 6 months; APR range up to 6.240%
Intro rate expires: 12 months; APR range up to 6.240%
Intro rate expires: 3 months; Variable rate. Max APR is 17.9%. Rate adjusted quarterly to -0.51% to +1.99% over Prime Rate. Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply.
3.99% 6-mo. Intro Rate; APR range up to 6.240%
Maximum LTV: 80%; Minimum Loan Amount: $50,000; Maximum Loan Amount: $300,000
Rate: Prime - 0.50% Currently 6.25%; Max LTV 80% up to $350,000
No additional details available.
Intro APR for 12 months. Variable rates.
As Low As; Qualification for the 6.25% APR requires a 720 credit score or higher, and maximum combined loan-to-value of 75% or less. The annual percentage rate (APR) may vary after the account is opened. Maximum APR 21.00%. The rate will be the Prime Rate as published in the Wall Street Journal on the last business day of each month, plus or minus a margin, with a floor rate as low as 4.00% APR.
As Low As
As low as 0.00% APR for 3 months, 6.25% variable rate after that; 0.00% Intro APR
No down payment required. $1,600 closing costs. Minimum credit score 620. Property location restrictions apply. Income eligibility requirements apply. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed.
With Auto Pay from North Shore Bank checking account; Prime minus 0.26%
No additional details available.
Fixed Rate
No additional details available.
No additional details available.
80% LTV
Variable rate based on WSJ Prime + 0.00% (floor rate). Minimum APR 3.99%, Maximum APR 20.00%. Interest only payments during Draw Period.
No additional details available.
Variable Rate; Prime + .00% or floor rate, whichever is greater (based on $500,000+ line amount); Floor rate 3.99%; Annual fee $75 (waived first year).
Maximum LTV: 80%; Minimum Loan Amount: No Minimum; Maximum Loan Amount: $300,000
No additional details available.
APR range up to 6.96%
80% Max LTV; Min. 4.49% Max. 11%; Variable Rates Adjust Quarterly according to the Wall Street Journal Prime.
up to 80% loan to value; Annual Percentage Rate.; The APR is a variable rate based on the highest Prime Rate published in the Wall Street Journal "Money Rates" table on the last day of each quarter. For loans with 80.01-90% loan to value the APR is the Prime Rate +1%. Maximum APR is 11.75% Minimum APR is 3.25%. Estimated closing costs of $147 and may be financed. An appraisal may be required with an estimated extra cost of $450. The minimum monthly payment is the greater of $50 or 1.5% of the outstanding balance as of the date of your last advance. Primary residences only. Contact a loan officer for more details. Consult your tax adviser for information on tax deductibility. Rates effective 07/16/2026.
Greater of $25 or $1.25 for each $100 borrowed
As low as; 6.750%
As Low as; 1.50% of Balance Min.; Rate may change depending on prime rate on June 30th and December 31st
Variable APR in effect as of 1/1/2026 for 70% maximum combined loan to value (LTV) on homestead property (prime plus a margin of 0%). The index is the highest bank prime rate published in the FEDERAL RESERVE statistical release H.15 SELECTED INTEREST RATES as of the twenty-second day of the months of March, June, September and December. The APR is subject to change quarterly and may increase or decrease but will not exceed 18.00%. The minimum APR that can apply is 3.25%. Maximum line is $200,000.00. Subject to credit approval and property evaluation. Consult your tax advisor regarding deductibility of interest. Property, flood and/or title insurance, if applicable, are required. There is an annual fee of $25.00. Estimated fees paid to third parties generally total between $321 - $500. Membership required.
Variable rate - (Changes quarterly to Prime Rate); Up to 80.00% LTV, Rate based on credit score; Max rate 17.50%
Variable Rate
HCLTV: Up to 80%
No additional details available.
No additional details available.
No additional details available.
As low as
As Low As; Up to 10 year draw period
Rate: Prime* + 0 for 1st year
Rate is variable. Additional rates and terms are available. Rate is locked for 12 months, then set at Prime (recently 6.75%) or as low as 4.00% APR whichever is higher. Rate subject to change after 12 months from closing date, and thereafter on the last day of each month based on the Wall Street Journal published Prime Rate on the 20th of each month. Maximum Rate 17% APR. Minimum payment is 0.50% of balance as of the end of the billing cycle, plus accrued monthly finance changes, fees and amounts past due. Minimum credit line is $5,000. Property insurance required, flood insurance may be required. If an appraisal is required, there will be an additional charge typically $385 - $500. Owner occupied, Wisconsin only. Excludes existing Glacier Hills HELOC refinances.
As Low As
Up to 80% loan-to-value
Rates Effective: 8.24.26. Rates and points are subject to change without notice.
No additional details available.
No additional details available.
Minimum payment is $1.00 for each $100.00 of outstanding balance, or $100.00, whichever is greater. APR is variable and may adjust on January 1 and July 1 of each year. The interest rate is based on an index of the current yield on U.S. Treasury securities as of the first Monday of the previous November and the first Monday of the previous May adjusted to a constant maturity of one year as made available in the Federal Reserve Statistical Release H.5.
Local housing and income figures that shape how much equity Downsville, WI homeowners can borrow against. Source: U.S. Census Bureau & FHFA.
Equity and borrowable estimates are illustrative, based on a typical owner who has paid the original mortgage down to roughly 65% of current value and an 85% combined loan-to-value ceiling. Your actual figures depend on your remaining mortgage balance, credit profile, and lender underwriting.
Your borrowing limit on a home equity loan or HELOC is set by your combined loan-to-value ratio (CLTV) — the total of your first mortgage plus the new loan, divided by your home's appraised value. Most lenders cap CLTV at 80–85%. Using the local median home value of $200,000, here is roughly what an 85% CLTV ceiling allows at three stages of mortgage payoff:
| Mortgage Stage | Still Owed | Equity Held | Est. You Could Borrow |
|---|---|---|---|
| Earlier in repayment | $140,000 | $60,000 | $30,000 |
| Roughly halfway through | $110,000 | $90,000 | $60,000 |
| Well into repayment | $80,000 | $120,000 | $90,000 |
The further along you are in paying down your first mortgage, the more equity sits available to borrow against. Lenders will also weigh your credit score, debt-to-income ratio, and income — the local median household income is $86,875 — before issuing a final offer.
Illustrative estimates only, based on an 85% CLTV ceiling and the Census median home value for this area. Actual limits vary by lender (some allow up to 90% CLTV), by your home's appraised value, and by your credit profile. This is not a loan offer or a guarantee of approval.
Compare local Downsville, WI home equity quotes against the statewide average
Daily HELOC and home equity loan averages tracked across our database of verified rate quotes — updated every evening.
Wisconsin HELOC rates rose 0.048 points over the past 7 days to 6.849%.
Wisconsin home equity loan rates fell 0.488 points over the past 7 days to 7.285%.
Where are Wisconsin HELOC and home equity loan rates headed through August 2027?
HELOC trajectory based on prime rate path (prime = fed funds + 3.0%). Home equity loan trajectory based on Fed funds futures and 10-year Treasury path. Not financial advice.
Monthly cost on $50,000 borrowed. HELOC shown as interest-only payment (typical during 10-year draw period). Home equity loan shown as fully amortizing principal & interest on a 15-year term.
| Scenario | HELOC Rate | HELOC Mo. Interest | HE Loan Rate | HE Loan Mo. P&I |
|---|---|---|---|---|
| Today (WI avg) | 6.849% | $285 | 7.285% | $457 |
| 6-Month Forecast | 6.849% | $285 | 7.285% | $457 |
| 12-Month Forecast | 6.599% (6.35–6.80%) | $275 (-$10) | 6.885% (6.54–7.19%) | $446 (-$11) |
Green (−) = lower monthly cost vs today. Red (+) = higher monthly cost. HELOC cost reflects variable-rate exposure: when prime drops, HELOC costs drop within one billing cycle. Locking a fixed home equity loan now insulates against further rate increases but forfeits the savings if rates fall.
According to the U.S. Census Bureau, the median owner-occupied home value in Downsville, Wisconsin is approximately $200,000. A homeowner who owes 60% of their original mortgage on a median-valued home would have roughly $80,000 in available equity. At a typical 85% CLTV limit, that means they could potentially borrow up to $50,000 via a HELOC or home equity loan, depending on credit profile and lender underwriting standards.
| Feature | Home Equity Loan | HELOC |
|---|---|---|
| Rate Type | Fixed for life of loan | Variable (prime + margin) |
| Payout | Lump sum at closing | Draw as needed, up to limit |
| Term | 5-30 years | 10-yr draw + 20-yr repay (typical) |
| Payment | Fixed P&I from month one | Interest-only during draw (usually) |
| Closing Costs | Typically 2-5% of loan | Often $0 (promos common) |
| Best For | Specific large expense, payment certainty | Ongoing access, flexible borrowing |
Want a deeper breakdown? Read our full guide: Home Equity Loan vs HELOC — Key Differences, Pros and Cons
Estimate how much you could borrow against your home, and what the monthly payment on a fixed-rate home equity loan would look like. The home value below is prefilled with the local median from the U.S. Census Bureau — change it to your own home's value, and adjust any other field to see the numbers update.
Defaults to your estimated borrowing limit — edit to model a smaller loan.
Estimates only. Borrowing power assumes lenders allow up to the selected combined loan-to-value ratio; actual limits, rates, and approval depend on your credit profile, income, and the lender's underwriting. The payment figure is for a fixed-rate home equity loan with standard amortization — HELOC payments are typically interest-only during the draw period and vary with the prime rate, so they are not modeled here. This is not a loan offer.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Downsville, Wisconsin home equity loan and HELOC rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners, including the iCanBuy home equity offers widget shown above. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Home Equity Rate Data: We aggregate home equity loan and HELOC rates for Downsville, Wisconsin directly from the official websites of local lenders, credit unions, and national institutions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home equity products in Downsville, Wisconsin. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national lenders accepting applications from Wisconsin borrowers.
Local-First Sorting: Rate tables on city pages list institutions with physical branches in the city first, followed by statewide institutions, then national lenders — regardless of APR. This intentional ordering helps homeowners find lenders they can walk into for an in-person closing, since home equity products often involve appraisal, notarization, and other steps that benefit from a local relationship.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update home equity rates daily. Because HELOC rates move with the prime rate and the broader market, every product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Home equity is the share of a property the owner truly owns: the home's current market value minus the balance still owed on the mortgage. For a Downsville, Wisconsin homeowner, it grows as the mortgage is paid down and as the property appreciates. Lenders let homeowners borrow against this equity, using the home as collateral, which is why home equity products generally carry lower rates than credit cards or unsecured personal loans.
A home equity loan advances a lump sum at a fixed rate, repaid in equal installments over a set term, useful for a one-time expense with a known cost. For example, TruNorthern Federal Credit Union is listing its Fixed Mortgage and Home Equity Loans at 5.00%. A home equity line of credit (HELOC) works more like a credit card: a revolving credit limit the borrower can draw from as needed during a draw period, usually at a variable rate. On the line-of-credit side, Plymouth County Teachers Federal Credit Union is listing its HomeRun HELOC at 4.75%. For Downsville, Wisconsin borrowers, a loan offers payment certainty, while a HELOC offers flexibility for ongoing or uncertain costs.
Most lenders allow borrowing up to a combined loan-to-value ratio of 80 to 85 percent, meaning the mortgage balance plus the new home equity debt cannot exceed that share of the home's value. For a Downsville, Wisconsin homeowner, the exact amount available also depends on credit score, income, and the lender's policies. Because the borrowing limit is tied to current value, an appraisal is typically part of the approval process.
HELOC rates are usually variable and tied to the prime rate, so they move when the Federal Reserve changes short-term rates, while home equity loan rates are typically fixed and priced off longer-term benchmarks. On top of that market baseline, the rate a Downsville, Wisconsin borrower receives reflects credit score, combined loan-to-value ratio, and loan amount, so stronger credit and more equity generally earn a lower rate. A borrower’s final rate is set once an application is underwritten.
Because the home secures the debt, falling behind on payments can ultimately put the property at risk, so home equity borrowing is best reserved for purposes that preserve or build value, such as renovations or consolidating higher-rate debt. For Downsville, Wisconsin borrowers, variable-rate HELOCs also carry the risk that payments rise if rates climb, and some lines shift from interest-only payments to full repayment after the draw period ends. Understanding the repayment structure before borrowing helps avoid payment shock later.