Wisconsin Home Equity Loan & HELOC Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Wisconsin home equity loan and HELOC rates range from 4.99% to 8.00%, verified by MonitorBankRates as of October 13, 2026. Current home equity loan rates in Wisconsin include Glacier Hills Credit UnionGlacier Hills Credit Union1025 E Sumner St, Fond Du Lac, WI, 53027A+5.0 ★Texas Ratio: 5.72% offering Home Equity LOC - Locked for 12 Months at 4.99%, TruNorthern Federal Credit UnionTruNorthern Federal Credit Union255 Fiserv Dr, Brookfield, WI, 53045 5815A+5.0 ★Texas Ratio: 1.34% offering Fixed Mortgage and Home Equity Loans at 5.00%, TruStone Financial Credit UnionTruStone Financial Credit Union2707 30th Ave, Cudahy, WI, 53110 2611A+5.0 ★Texas Ratio: 4.56% offering Home Equity Loan - 5-Year Fixed-Rate at 4.99%, Brokaw Credit UnionBrokaw Credit Union2006 Schofield Ave, Weston, WI, 54476 2381A+5.0 ★Texas Ratio: 2.75% offering Home Equity Fixed Rate at 5.25%, and Community First Credit UnionCommunity First Credit Union1006 Royalton St, Appleton, WI, 54115 3901A+5.0 ★Texas Ratio: 0.82% offering Home Equity 10 & Done Home Loan at 5.125%. Home equity and HELOC rates as of October 13, 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: October 13, 2026
Compare Home Equity & HELOC Rates Today in Wisconsin
Wisconsin Home Equity Loan Rates
As Low As
- Oct 13, 20265.00%▼ from 5.11%
- Oct 5, 20265.11%first recorded
Up to 80% loan-to-value
As Low As
- Oct 13, 20265.25%▼ from 5.37%
- Oct 5, 20265.37%first recorded
No additional details available.
As low as
As low as
No additional details available.
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.
As Low As
- Oct 13, 20265.50%▼ from 5.64%
- Oct 5, 20265.64%first recorded
No additional details available.
Maximum LTV: 80% or less; Minimum loan amount $5,000.
- Sep 18, 20265.75%▲ from 5.50%
- Sep 14, 20265.50%first recorded
No additional details available.
5, 10 and 15-year terms available; Flexible loan amounts, $20,000 and higher; Rate is dependent on credit history, and may be lower than personal solar loan; Rates effective as of 10-13-2026
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.
($11.10/$1000 borrowed)
Contact the credit union for details.
- Oct 9, 20266.00%▲ from 5.00%
- Sep 14, 20265.00%first recorded
Maximum LTV: 80% or less; Minimum loan amount $5,000.
- Sep 18, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
No additional details available.
No additional details available.
As Low as; Loan-to-Value: Up to 80% LTV
- Sep 18, 20266.01%▼ from 6.51%
- Sep 14, 20266.51%first recorded
Rates As Low As; Relationship Rewards pricing for qualifying members. Relationship Rewards eligibility is based on certain account relationship requirements. Contact UnitedOne Credit Union for complete program details and qualification requirements. Closing costs vary and are paid by the borrower. A Loan Estimate detailing estimated closing costs is available upon request. Rates quoted are available only for owner-occupied properties located in Wisconsin. Private mortgage insurance (PMI) may be required for first mortgage loans with an LTV exceeding 80%. APR and payment example are based on a $25,000 home equity loan with a credit score above 740 and an 80% LTV, amortized over 120 months. Payment examples do not include taxes, insurance, or other applicable costs, so actual payment obligations may be higher. All loans are subject to credit approval. Not all applicants will qualify, and not all applicants will qualify for the lowest advertised rate. Additional home equity loan products and programs are available. Home Equity Lines of Credit (HELOCs) are not eligible for this offer. Membership eligibility is required. Equal Housing Lender.
No additional details available.
No additional details available.
- Oct 2, 20266.11%▼ from 6.20%
- Sep 17, 20266.20%first recorded
Up to 80% loan-to-value
As low as
As low as
Loan to Value: 80% or less; This is a fixed rate.
No additional details available.
- Oct 2, 20266.21%▼ from 6.23%
- Sep 17, 20266.23%first recorded
As Low As
($8.57/$1000 borrowed)
Contact the credit union for details.
- Oct 9, 20266.25%▲ from 5.25%
- Sep 14, 20265.25%first recorded
Maximum LTV: 80% or less
As Low As; Home Equity Loan
No additional details available.
No additional details available.
- Oct 2, 20266.28%▼ from 6.58%
- Sep 17, 20266.58%first recorded
As Low As
As low as
As low as
No additional details available.
Interest rates and APRs (Annual Percentage Rate) are effective as of 10/01/2025 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.
- Oct 5, 20266.43%▲ from 5.93%
- Sep 16, 20265.93%first recorded
Second lien mortgage position and owner occupied properties. Wisconsin properties only. Membership eligibility required.
Published APR range: 6.49% - 15.24%. Call for rate tiers/LTV
Fixed Rate; As Low As; Rates shown are for homeowners with 70% loan-to-value. Standard underwriting criteria will apply. The minimum loan amount is $5,000. Illinois borrowers will pay a $230 processing fee. Minnesota borrowers will pay a $150-$350 processing fee depending on the loan amount, with the fee being higher for loan amounts greater than $100,000. Members are responsible for appraisal costs and title insurance costs, if required. Property insurance is required.
Term: Up to 30 years; rate variable after 7 years; up to 80% of appraised value
Term: Up to 7 years fixed, up to 80% of appraised value
As low as
Maximum LTV: 80% or less
As Low As; Home Equity Loan
As Low As
No additional details available.
As Low As
No additional details available.
As low as
As low as
No additional details available.
- Oct 1, 20266.67%▲ from 6.42%
- Sep 16, 20266.42%first recorded
Second lien mortgage position and owner occupied properties. Wisconsin properties only. Membership eligibility required.
As Low As
As Low As
Home Equity Loan is for a 2nd-lien position only; first-mortgage liens do not qualify for this product.
Home Equity**^
Wisconsin HELOC Rates
Maximum LTV: 80% or less. 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.
Fixed for first 3 years, variable rate thereafter (WSJ Prime + margin); requires minimum $10,000.00 draw at closing
- Oct 12, 20265.50%▼ from 7.00%
- Oct 4, 20267.00%▲ from 5.50%
- Sep 17, 20265.50%first recorded
No additional details available.
Term: 12 Month Fixed Intro Rate /10 Year Draw Period; Annual Percentage Rate (APR) is based on creditworthiness and loan to value (LTV) of 80% or less. 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. Rates as of 10/01/2026. Subject to change without notice.
- Oct 2, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
First 12 Months; LTV up to 80%
Intro rate expires: 6 months; then Prime Rate as published in the Wall Street Journal + 0.000% (currently 7.000%), with a floor rate of 4.00%; Based on a $50,000 loan; 15 Year Draw Period
Term: 10 Year Draw, 15 Year Repayment; Rate: Prime - 0.50%; Currently 6.25%; LTV 80% up to $350,000
Intro rate expires: 3 months; Regular APR: 6.49% - 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. Member must open a new home equity line of credit OR refinance an existing Educators Credit Union HELOC with an additional $5,000 added to the line of credit. After the 3-month introductory period, the rate will revert to the current rate.
- Oct 9, 20266.49%▲ from 6.24%
- Sep 14, 20266.24%first recorded
No additional details available.
Term: Revolving line of credit; As Low As
- Oct 2, 20266.49%▲ from 6.24%
- Oct 1, 20266.24%first recorded
3-year Lock at 6.49%
- Oct 9, 20266.49%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Intro Rate: 3.99%
- Oct 7, 20266.49%▲ from 6.24%
- Sep 15, 20266.24%first recorded
As Low As
- Oct 2, 20266.50%▲ from 6.25%
- Sep 14, 20266.25%first recorded
Rate: Prime Rate - 0.50%
- Sep 18, 20266.50%▲ from 6.25%
- Sep 15, 20266.25%first recorded
Variable Rate; As Low As; Rates shown are for homeowners with 70% loan-to-value. Standard underwriting criteria will apply. The minimum loan amount is $5,000. Illinois borrowers will pay a $230 processing fee. Minnesota borrowers will pay a $150-$350 processing fee depending on the loan amount, with the fee being higher for loan amounts greater than $100,000. Members are responsible for appraisal costs and title insurance costs, if required. Property insurance is required.
Rate: Prime minus .50%
Term: Line of CreditAPR Thereafter
No additional details available.
No additional details available.
0.00% APR for 3 months, 6.50% variable rate after that
- Sep 26, 20266.50%▲ from 6.25%
- Sep 14, 20266.25%first recorded
Minimum $5,000 line of credit required on loan-to-value up to 100%. Subject to underwriting, creditworthiness, and meeting credit criteria. 2Loan annual percentage rates (APR) is based on credit score and combined loan-to-value (total mortgage balances divided by the total value of the house) as determined at the time of the account opening. Qualification for the 6.50% 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. 3Closing costs may range from $175-$800, of which, Dupaco to pay up to a maximum of $350. There are no application, annual, maintenance or transaction fees associated with this account, however, the credit union may recoup its closing costs up to $350 if the loan is closed within 30 months of opening. Property insurance required.
- Oct 2, 20266.50%▲ from 6.25%
- Sep 22, 20266.25%first recorded
No additional details available.
- Oct 1, 20266.63%▲ from 6.50%
- Sep 24, 20266.50%▼ from 7.38%
- Sep 16, 20267.38%first recorded
As Low As; Home Equity Rates
Loan-to-Value (LTV) Ratio: 0%-80%; Line Amount: $25,000 - $400,000; Rate: Prime minus 0.26%
- Sep 24, 20266.74%▼ from 7.25%
- Sep 16, 20267.25%first recorded
As low as APR
HELOC
As low as
Additional APR listed for this product: 7.00%. Rate: Prime* + 0 for 1st year
Maximum LTV: 80% or less. 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
- Sep 18, 20266.75%▲ from 6.00%
- Sep 14, 20266.00%first recorded
As Low As
- Oct 13, 20266.75%▼ from 6.96%
- Sep 21, 20266.96%▲ from 6.75%
- Sep 14, 20266.75%first recorded
No additional details available.
Up to 80% loan-to-value
Revolving; 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.
No additional details available.
- Oct 1, 20266.88%▼ from 6.99%
- Sep 24, 20266.99%▲ from 6.75%
- Sep 16, 20266.75%first recorded
As Low As; (Prime Rate less .10%) subject to change on the first business day of the month, 100% financing on primary residence, 1.5% or $50.00 minimum monthly payment, $5,000.00 minimum loan, no annual fee, ten-year draw period. Members pay fees and all closing costs.
No additional details available.
- Oct 1, 20266.99%▲ from 6.88%
- Sep 24, 20266.88%▼ from 6.99%
- Sep 16, 20266.99%first recorded
Amount: $500,000+
Amount: $500,000+
Variable rate based on the highest Prime Rate published in the Wall Street Journal "Money Rates" table on the last day of each quarter. Primary residences only. 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. Consult your tax adviser for information on tax deductibility. Rates effective 09/24/2026.
- Oct 9, 20267.00%▲ from 6.75%
- Sep 18, 20266.75%first recorded
Rate: Prime Rate + 0.00%
- Sep 18, 20267.00%▲ from 6.75%
- Sep 15, 20266.75%first recorded
Greater of $25 or $1.25 for each $100 borrowed
- Oct 2, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
As low as
- Oct 1, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
As Low as; Loan to Value: Up to 80% LTV
- Sep 22, 20267.00%▲ from 6.75%
- Sep 18, 20266.75%first recorded
No additional details available.
Term: Up to 10 year draw period; As Low As
- Sep 22, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
HCLTV: Up to 80%
- Sep 22, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
No additional details available.
- Oct 5, 20267.00%▲ from 6.75%
- Sep 18, 20266.75%first recorded
Term: Up to 10 year draw period; As Low As; Payment example based on $250,000 loan amount.
- Sep 22, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Loan to Value: 90% or Less
80% Max LTV Variable Rate - Prime +0%*. Variable Rates Adjust Quarterly according to the Wall Street Journal Prime.
- Oct 1, 20267.00%▲ from 6.75%
- Sep 18, 20266.75%first recorded
$50 or 1% of the outstanding balance, whichever is greater
- Oct 2, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Variable Annual Percentage Rate ("APR") in effect as of 10/1/2026 for home equity lines of credit with 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.
- Oct 9, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Rates as Low as*
- Oct 5, 20267.00%▲ from 4.00%
- Sep 22, 20264.00%▼ from 6.75%
- Sep 14, 20266.75%first recorded
Terms and Conditions
- Oct 1, 20267.00%▲ from 6.75%
- Sep 15, 20266.75%first recorded
No additional details available.
As Low As
- Sep 18, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
No additional details available.
- Oct 1, 20267.13%▲ from 6.99%
- Sep 24, 20266.99%▲ from 6.75%
- Sep 16, 20266.75%first recorded
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. No down payment required.
- Oct 9, 20267.18%▲ from 6.80%
- Sep 18, 20266.80%first recorded
Amount: $250,000 - $499,999
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Wisconsin Home Equity Snapshot
Local housing and income figures that shape how much equity Wisconsin 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.
How Much Can You Borrow in Wisconsin?
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 to 85%. Using the statewide median home value of $266,500, 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 | $186,550 | $79,950 | $39,975 |
| Roughly halfway through | $146,575 | $119,925 | $79,950 |
| Well into repayment | $106,600 | $159,900 | $119,925 |
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 statewide median household income is $77,485, 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.
Wisconsin Home Equity Rate Trends
Compare local Wisconsin 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 0.076 points over the past 7 days to 7.059%.
Wisconsin home equity loan rates rose 0.052 points over the past 7 days to 6.826%.
Wisconsin Home Equity Rate Forecast, Next 12 Months
Where are Wisconsin HELOC and home equity loan rates headed through October 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.
What Forecast Rates Mean for Wisconsin Borrowers
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) | 7.059% | $294 | 6.826% | $445 |
| 6-Month Forecast | 7.059% | $294 | 6.826% | $445 |
| 12-Month Forecast | 6.809% (6.56, 7.01%) | $284 (-$10) | 6.426% (6.08, 6.73%) | $434 (-$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.
How Home Equity Lending Works in Wisconsin
Wisconsin Equity Math
According to the U.S. Census Bureau, the median owner-occupied home value in Wisconsin is approximately $266,500. A homeowner who owes 60% of their original mortgage on a median-valued home would have roughly $106,600 in available equity. At a typical 85% CLTV limit, that means they could potentially borrow up to $66,625 via a HELOC or home equity loan, depending on credit profile and lender underwriting standards.
Home Equity Loan vs HELOC, Quick Comparison
| 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
Wisconsin Home Equity Loan and HELOC Rules
Wisconsin does not add its own loan to value cap, fee cap, or waiting period for home equity loans and HELOCs, so the federal rules below set the baseline and individual lenders set their own limits, most commonly 80 to 90 percent combined loan to value. The state rules that still matter for a Wisconsin borrower cover prepayment penalties, how a foreclosure works, taxes at closing, and who handles the closing.
Prepayment penalties
Allowed only in the first five years and capped at 60 days interest on the amount by which prepayments in a 12 month period exceed 20 percent of the original loan; no penalty at all after five years (Wis. Stat. 138.052(2)(a)).
Foreclosure process
Judicial. Slow: after the lawsuit and judgment the borrower gets a pre-sale redemption period of 6 months if the lender seeks a deficiency or 3 months if it waives one (5 weeks if abandoned), then three weeks of sale notices and court confirmation, so about 9 to 12 months or more overall (Wis. Stat. 846.10, 846.101, 846.102).
Deficiency after foreclosure
Allowed if requested in the complaint, but lenders usually waive it to shorten the redemption period to three months (Wis. Stat. 846.101).
Redemption after a sale
None after the sale is confirmed; the statutory redemption period runs between judgment and sale (6 months, 3 months with a deficiency waiver, extendable by 2 months if the home is listed for sale).
Taxes and recording costs
Real estate transfer fee of $3 per $1,000 of value (0.3 percent), paid by the seller (Wis. Stat. 77.22); no mortgage tax.
Who handles the closing
No attorney is required at closing in Wisconsin; title or escrow companies usually handle it.
Other things to know
Wisconsin is a marital property (community property) state, so a spouse's consent is generally needed to mortgage the homestead. Borrowers keep possession during the pre-sale redemption period and can stop the foreclosure by paying the judgment amount before the sale.
Federal rules that apply to every home equity loan and HELOC
Home equity loans and HELOCs secured by your main home carry federal protections on top of anything your state adds. For a HELOC, the lender must give you the HELOC disclosure and the CFPB home equity brochure when you apply and cannot charge a nonrefundable fee until three business days later; the rate must follow a public index the lender does not control, and the lender can freeze or cut the line only for specific reasons such as a significant drop in the home's value or a material change in your finances. For both home equity loans and HELOCs you have until midnight of the third business day after closing to cancel for any reason and get your fees back. A loan is a high cost mortgage under HOEPA if its APR is more than 6.5 percentage points above the average prime offer rate for a first lien (8.5 points for a second lien) or if points and fees exceed 5 percent; high cost loans require counseling and cannot carry balloon payments or prepayment penalties. Since 2018, interest on a home equity loan or HELOC is deductible only if the money is used to buy, build, or substantially improve the home that secures it, and only within the $750,000 total acquisition debt cap. Flood insurance is required on any home equity loan or HELOC from a federally regulated lender if the home sits in a FEMA flood hazard area.
Sources
- Nolo: Wisconsin Foreclosure Laws and Process
- Weltman: Amendments to Wisconsin Foreclosure Law Shorten Redemption Periods
- Wis. Stat. 138.052 Residential mortgage loans (Justia)
- Wisconsin DOR: Real Estate Transfer Return Overview (fee of 30 cents per $100)
- CFPB: Right of rescission
- Regulation Z section 1026.40 (HELOC rules)
- Regulation Z section 1026.32 (HOEPA)
- Federal Register: 2026 Regulation Z threshold adjustments
- IRS Publication 936, Home Mortgage Interest Deduction
- FHFA 2026 conforming loan limits
- CFPB: Servicemembers Civil Relief Act
- 12 CFR Part 339 (flood insurance)
Wisconsin Home Equity Loan Calculator
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.
1. How Much Can You Borrow?
2. Estimated Monthly Payment
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.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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 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 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 Basics for Wisconsin Homeowners
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 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.
Home Equity Loan vs. HELOC in Wisconsin
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, Glacier Hills Credit Union is listing its Home Equity LOC - Locked for 12 Months at 4.99%. For Wisconsin borrowers, a loan offers payment certainty, while a HELOC offers flexibility for ongoing or uncertain costs.
How Much Wisconsin Homeowners Can Borrow
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 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.
How Wisconsin Home Equity Rates Are Set
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 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.
Risks for Wisconsin Borrowers to Weigh
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 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.
Frequently Asked Questions about Home Equity & HELOC Rates in Wisconsin
What is the difference between a home equity loan and a HELOC in Wisconsin?
How much equity do I need to qualify for a HELOC or home equity loan?
What credit score do I need for a home equity loan in Wisconsin?
Are HELOC interest payments tax-deductible?
What is the current prime rate and how does it affect my HELOC?
What is a HELOC draw period?
Can I use a home equity loan or HELOC for debt consolidation?
Are there closing costs on a home equity loan or HELOC?
Should I get a HELOC or a home equity loan?
Can I refinance my HELOC into a fixed-rate home equity loan in Wisconsin?
How do I compare home equity and HELOC lenders in Wisconsin?
How do I get home equity loan and HELOC quotes in Wisconsin?
How much equity could a homeowner in Wisconsin have?
What is a typical home equity loan amount in Wisconsin?
Can households in Wisconsin afford a home equity loan payment?
How do property taxes in Wisconsin affect home equity borrowing?
What percentage of homeowners in Wisconsin have a mortgage they could tap for equity?
Does Wisconsin have special rules for home equity loans and HELOCs?
Can I cancel a home equity loan or HELOC after closing in Wisconsin?
Can a Wisconsin lender charge a prepayment penalty on a home equity loan?
What are the best home equity rates in Wisconsin?
- Glacier Hills Credit Union: 4.99% (Home Equity LOC - Locked for 12 Months)
- TruNorthern Federal Credit Union: 5.00% (Fixed Mortgage and Home Equity Loans)
- TruStone Financial Credit Union: 4.99% (Home Equity Loan - 5-Year Fixed-Rate)
- Brokaw Credit Union: 5.25% (Home Equity Fixed Rate)
- Community First Credit Union: 5.125% (Home Equity 10 & Done Home Loan)
Wisconsin Rates & Resources
Home Equity & HELOC Rates by City in Wisconsin
