MonitorBankRates
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Friesland, WI Home Equity Loan & HELOC Rates - August 2026

Current home equity line of credit (HELOC) rates in Friesland, 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

Compare Home Equity & HELOC Rates Today in Friesland, Wisconsin & the Surrounding Area

Friesland Home Equity Loan Rates

Source: Verified Home Equity Loans Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Fixed Mortgage and Home Equity Loans
10 Year (120 Months)
5.00%
5.00%
Rate5.00%
APR5.00%
Points0.000
UpdatedAug 28, 2026
Details

APR range up to 5.11%

Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
In-House Second Mortgage - 5 Year Fixed
5 Year Fixed
5.00%
5.00%
Rate5.00%
APR5.00%
Points0.000
UpdatedAug 28, 2026
Details

Contact the credit union for details.

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Home Equity Loan - Up to 80% loan-to-value - 5-Year Fixed-Rate
5-Year Fixed-Rate
4.99%
5.24%
Rate4.99%
APR5.24%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Fixed Mortgage and Home Equity Loans
15 Year (180 Months)
5.25%
5.25%
Rate5.25%
APR5.25%
Points0.000
UpdatedAug 28, 2026
Details

APR range up to 5.37%

Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
In-House Second Mortgage - 10 Year Fixed
10 Year Fixed
5.25%
5.25%
Rate5.25%
APR5.25%
Points0.000
UpdatedAug 28, 2026
Details

Contact the credit union for details.

Brokaw Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Home Equity Fixed Rate
5 years
5.25%
5.25%
Rate5.25%
APR5.25%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Home Equity Loan
6 years
5.24%
5.36%
Rate5.24%
APR5.36%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Home Equity Loan 5 Year Fixed
5 Year
5.38%
5.38%
Rate5.38%
APR5.38%
Points0.000
UpdatedAug 28, 2026
Details

As Low as

Brokaw Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Home Equity Fixed
10 years
5.40%
5.40%
Rate5.40%
APR5.40%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Home Equity 3 Year ARM
3 Year
5.49%
5.49%
Rate5.49%
APR5.49%
Points0.000
UpdatedAug 28, 2026
Details

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.

TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Fixed Mortgage and Home Equity Loans
20 Year (240 Months)
5.50%
5.50%
Rate5.50%
APR5.50%
Points0.000
UpdatedAug 28, 2026
Details

APR range up to 5.64%

Glacier Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Home Equity ARM
5/1 Years
5.50%
5.50%
Rate5.50%
APR5.50%
Points0.000
UpdatedAug 28, 2026
Details

All rates subject to change and based on credit history. Closing cost may apply. Minimum loan amount $5,000.

Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Home Equity Loans / Second Mortgages
120 Months
5.62%
5.66%
Rate5.62%
APR5.66%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Home Equity Loan Fixed Rate 80% LTV
10 Year Term
5.74%
5.74%
Rate5.74%
APR5.74%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Heartland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Home Equity Fixed Rate Loans
5.75%
5.75%
Rate5.75%
APR5.75%
Points0.000
UpdatedAug 28, 2026
Details

Starting at

Heartland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Home Equity Loans Fixed Rate
5.75%
5.75%
Rate5.75%
APR5.75%
Points0.000
UpdatedAug 28, 2026
Details

Starting at

Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Home Equity Loan 5 Year ARM
5 Year
5.75%
5.75%
Rate5.75%
APR5.75%
Points0.000
UpdatedAug 28, 2026
Details

As Low as; Rate may change after 5 years and payment amount will change.

Glacier Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Home Equity ARM
7/1 Years
5.75%
5.75%
Rate5.75%
APR5.75%
Points0.000
UpdatedAug 28, 2026
Details

All rates subject to change and based on credit history. Closing cost may apply. Minimum loan amount $5,000.

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Home Equity Loan
5, 10 and 15-year
5.79%
5.79%
Rate5.79%
APR5.79%
Points0.000
UpdatedAug 28, 2026
Details

Rate is dependent on credit history, and may be lower than personal solar loan

UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Mortgage & Home Equity Loans - Home Equity 10 Year Fixed
120 months
5.75%
5.93%
Rate5.75%
APR5.93%
Points0.000
UpdatedAug 28, 2026
Details

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.

The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Home Equity Conventional Fixed Rate
15 years
5.88%
5.93%
Rate5.88%
APR5.93%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
Home Equity Loan
5.99%
5.99%
Rate5.99%
APR5.99%
Points0.000
UpdatedAug 28, 2026
Details

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.

Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Home Equity 5 Year ARM
5 Year
5.99%
5.99%
Rate5.99%
APR5.99%
Points0.000
UpdatedAug 28, 2026
Details

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.

Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Home Equity Loan Fixed Rate 80% LTV
15 Year Term
5.99%
5.99%
Rate5.99%
APR5.99%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Badger Globe Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.02%
Home Equity Construction
Up to 12 months
5.99%
5.99%
Rate5.99%
APR5.99%
Points0.000
UpdatedAug 28, 2026
Details

up to 85% of cost or 80% of appraised value, whichever is less

Badger Globe Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.02%
Home Equity Loan 2nd Mortgage
5 year balloon
5.99%
5.99%
Rate5.99%
APR5.99%
Points0.000
UpdatedAug 28, 2026
Details

Up to 80.00% LTV

Brokaw Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Home Equity Fixed 1st Lien
15 years
6.00%
6.00%
Rate6.00%
APR6.00%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
5 Year Fixed Rate Home Equity | Rapid Refinance
5 Year Fixed
6.00%
6.00%
Rate6.00%
APR6.00%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Mortgage & Home Equity Loan Rates - Home Equity 10 Year Fixed
120 Months
5.75%
6.09%
Rate5.75%
APR6.09%
Points0.000
UpdatedAug 28, 2026
Details

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.

UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Mortgage & Home Equity Loans - Home Equity 10 Year Fixed (120 Months)
120 Months
5.75%
6.09%
Rate5.75%
APR6.09%
Points0.000
UpdatedAug 28, 2026
Details

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.

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Home Equity Loan - Up to 80% loan-to-value - 10-Year Fixed-Rate
10-Year Fixed-Rate
5.99%
6.12%
Rate5.99%
APR6.12%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Home Equity 5 year fixed rate
5 year fixed rate
6.12%
6.12%
Rate6.12%
APR6.12%
Points0.000
UpdatedAug 28, 2026
Details

As low as; 6.125%

Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Home Equity Loan 5 Year Fixed
5 Year
6.12%
6.12%
Rate6.12%
APR6.12%
Points0.000
UpdatedAug 28, 2026
Details

As Low as

Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
5/5 ARM - Maximum second mortgage 5% LTV
6.12%
6.12%
Rate6.12%
APR6.12%
Points0.000
UpdatedAug 28, 2026
Details

90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660.

Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
Fixed Home Equity Loans
6.20%
6.20%
Rate6.20%
APR6.20%
Points0.000
UpdatedAug 28, 2026
Details

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.

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
Home Equity Loans - Fixed Rate Mortgage - Home Equity 5 year Fixed
5 year
6.12%
6.22%
Rate6.12%
APR6.22%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Fox Valley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Home Equity Loans
1 to 36 months
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Glacier Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Home Equity Fixed Term
3 years
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

Rate is variable. Maximum Rate 17% APR. Owner occupied, Wisconsin only. Excludes existing Glacier Hills HELOC refinances.

Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
5/5 ARM - Maximum second mortgage 7% LTV
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660.

Winnebago Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Home Equity 5 Year ARM
5.74%
6.28%
Rate5.74%
APR6.28%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Second Mortgage Loan
120 Months
6.30%
6.30%
Rate6.30%
APR6.30%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Home Equity 7 year fixed rate
7 year fixed rate
6.38%
6.38%
Rate6.38%
APR6.38%
Points0.000
UpdatedAug 28, 2026
Details

As low as; 6.375%

Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
10 Year Fixed Rate Home Equity | Rapid Refinance
10 Year Fixed
6.38%
6.38%
Rate6.38%
APR6.38%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Home Equity Loan
80% Max LTV
5.62%
6.41%
Rate5.62%
APR6.41%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
Fixed Home Equity Loan
60 months
6.41%
6.41%
Rate6.41%
APR6.41%
Points0.000
UpdatedAug 28, 2026
Details

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.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
5 Year Home Equity
5 Year
5.99%
6.41%
Rate5.99%
APR6.41%
Points0.000
UpdatedAug 28, 2026
Details

up to 80% LTV

Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
2nd Mortgage: 5 Year Fixed
5 years
6.31%
6.42%
Rate6.31%
APR6.42%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Home Equity Conventional Fixed Rate
20 years
6.38%
6.42%
Rate6.38%
APR6.42%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Fond Du Lac Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Second Mortgage 3/1 Year ARM
3/1 Year
6.25%
6.44%
Rate6.25%
APR6.44%
Points0.000
UpdatedAug 28, 2026
Details

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.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
10 Year Home Equity
10 Year
6.24%
6.46%
Rate6.24%
APR6.46%
Points0.000
UpdatedAug 28, 2026
Details

up to 80% LTV

UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Mortgage & Home Equity Loan Rates - Home Equity 20 Year Fixed
6.38%
6.48%
Rate6.38%
APR6.48%
Points0.000
UpdatedAug 28, 2026
Details

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.

UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Mortgage & Home Equity Loans - Home Equity 20 Year Fixed
240 months
6.38%
6.48%
Rate6.38%
APR6.48%
Points0.000
UpdatedAug 28, 2026
Details

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.

Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Home Equity (call for rate tiers/LTV)
up to 120 mos.
6.49%
6.49%
Rate6.49%
APR6.49%
Points0.000
UpdatedAug 28, 2026
Details

Call for rate tiers/LTV

Fox Valley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Home Equity Loans
37 to 60 months
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
Home Equity
1 Year Adjustable
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

180 months

Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Home Equity 7-year ARM
Up to 30 years; rate variable after 7 years; up to 80% of appraised value
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Home Equity 7-year fixed
Up to 7 years fixed, up to 80% of appraised value
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Premier Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Home Equity Fixed Rate
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Home Equity Loan - 2nd Fixed
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

As low as

Glacier Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Home Equity Fixed Term
5 years
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

Rate is variable. Maximum Rate 17% APR. Owner occupied, Wisconsin only. Excludes existing Glacier Hills HELOC refinances.

Friesland HELOC Rates

Source: Verified HELOC Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
HomeRun HELOC
10 Year Draw, 15 Year Repayment
4.75%
4.75%
Rate4.75%
APR4.75%
Points0.000
UpdatedAug 28, 2026
Details

Rate: Prime (WSP) - 2.00% Currently 4.75%; Max LTV 60% or less up to $350,000

Glacier Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Home Equity LOC
Locked for 12 Months
4.99%
4.99%
Rate4.99%
APR4.99%
Points0.000
UpdatedAug 28, 2026
Details

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.

The Park Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
Home Equity 6 Month Fixed Introductory Rate HELOC Special
6 Month
5.24%
5.24%
Rate5.24%
APR5.24%
Points0.000
UpdatedAug 28, 2026
Details

Introductory Rate

Lake Ridge Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Home Equity HELOC
5.24%
5.24%
Rate5.24%
APR5.24%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Fox Valley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
HELOC Special Offer
18 months
5.25%
5.25%
Rate5.25%
APR5.25%
Points0.000
UpdatedAug 28, 2026
Details

As Low As; Loan to Value: 80% or less

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Home Equity Line of Credit
24 months
5.49%
5.49%
Rate5.49%
APR5.49%
Points0.000
UpdatedAug 28, 2026
Details

Introductory rate; After 24 months variable 7.24% - 10.00% APR applies.

Citizens Bank Mukwonago, WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Home Equity Line of Credit
5.49%
5.49%
Rate5.49%
APR5.49%
Points0.000
UpdatedAug 28, 2026
Details

Promotional Rate

Oakdale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Home Equity - Open Line of Credit
5.50%
5.50%
Rate5.50%
APR5.50%
Points0.000
UpdatedAug 28, 2026
Details

No Fees Apply

Landmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
HELOC
5.75%
5.75%
Rate5.75%
APR5.75%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Prospera Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
Interest-Only HELOC
12 Month Fixed Intro Rate /10 Year Draw Period
5.75%
5.75%
Rate5.75%
APR5.75%
Points0.000
UpdatedAug 28, 2026
Details

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.

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
HELOC Special Introductory Rate
6.00%
6.00%
Rate6.00%
APR6.00%
Points0.000
UpdatedAug 28, 2026
Details

Intro rate for 12 months; Max LTV up to 80%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Home Equity Line of Credit
6.00%
6.00%
Rate6.00%
APR6.00%
Points0.000
UpdatedAug 28, 2026
Details

variable rates

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Home Equity Variable
6.00%
6.00%
Rate6.00%
APR6.00%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Home Equity Line of Credit
3-Year Balloon
6.12%
6.12%
Rate6.12%
APR6.12%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
3.99% 6-mo. Intro Rate | HELOC
6.24%
6.24%
Rate6.24%
APR6.24%
Points0.000
UpdatedAug 28, 2026
Details

Intro rate expires: 6 months; APR range up to 6.240%

Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
5.49% 12-mo. Intro Rate | HELOC
6.24%
6.24%
Rate6.24%
APR6.24%
Points0.000
UpdatedAug 28, 2026
Details

Intro rate expires: 12 months; APR range up to 6.240%

Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
Home Equity Line of Credit (HELOC) <80% LTV
6.24%
6.24%
Rate6.24%
APR6.24%
Points0.000
UpdatedAug 28, 2026
Details

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.

Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
HELOC
6.24%
6.24%
Rate6.24%
APR6.24%
Points0.000
UpdatedAug 28, 2026
Details

3.99% 6-mo. Intro Rate; APR range up to 6.240%

Waukesha State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
HELOC Special
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

Maximum LTV: 80%; Minimum Loan Amount: $50,000; Maximum Loan Amount: $300,000

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
HELOC
10 Year Draw, 15 Year Repayment
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

Rate: Prime - 0.50% Currently 6.25%; Max LTV 80% up to $350,000

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Home Equity Line of Credit
120 months
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Advia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Home Equity Line of Credit
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

Intro APR for 12 months. Variable rates.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Home Equity Line of Credit
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

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.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Home Equity Line of Credit (HELOC)
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

Summit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Home Equity HELOC
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedAug 28, 2026
Details

As low as 0.00% APR for 3 months, 6.25% variable rate after that; 0.00% Intro APR

Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
HELOC USDA Rural Housing Fixed
6.38%
6.43%
Rate6.38%
APR6.43%
Points0.000
UpdatedAug 28, 2026
Details

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.

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Home Equity Line of Credit
6.49%
6.49%
Rate6.49%
APR6.49%
Points0.000
UpdatedAug 28, 2026
Details

With Auto Pay from North Shore Bank checking account; Prime minus 0.26%

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Home Equity Line of Credit
5-Year Balloon
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Premier Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Home Equity Line of Credit (REAP®)
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

Fixed Rate

Premier Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Home Equity Line of Credit (REAP®) Fixed Rate
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Home Equity Line of Credit
3-Year
6.62%
6.62%
Rate6.62%
APR6.62%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
Home Equity Variable HELOC
6.49%
6.65%
Rate6.49%
APR6.65%
Points0.000
UpdatedAug 28, 2026
Details

80% LTV

State Bank of the Lakes
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
Home Equity Line of Credit
360 months
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Variable rate based on WSJ Prime + 0.00% (floor rate). Minimum APR 3.99%, Maximum APR 20.00%. Interest only payments during Draw Period.

Town Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Home Equity HELOC
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Town Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Home Equity Line of Credit
360 months
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

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).

Waukesha State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
HELOC 80
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Maximum LTV: 80%; Minimum Loan Amount: No Minimum; Maximum Loan Amount: $300,000

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Home Equity Line of Credit
5-Year
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Home Equity Line of Credit
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

APR range up to 6.96%

PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Home Equity Lines of Credit
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

80% Max LTV; Min. 4.49% Max. 11%; Variable Rates Adjust Quarterly according to the Wall Street Journal Prime.

Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Home Equity Line of Credit (HELOC)
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

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.

County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
Home Equity Lines of Credit
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Greater of $25 or $1.25 for each $100 borrowed

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Home Equity Line of Credit (HELOC)
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

As low as; 6.750%

Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Home Equity Line of Credit
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

As Low as; 1.50% of Balance Min.; Rate may change depending on prime rate on June 30th and December 31st

Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Home Equity Line of Credit
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

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.

Badger Globe Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.02%
Home Equity Line of Credit
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Variable rate - (Changes quarterly to Prime Rate); Up to 80.00% LTV, Rate based on credit score; Max rate 17.50%

Premier Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Home Equity Line of Credit (REAP®)
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Variable Rate

WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3-Month Adjustable HELOC
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

HCLTV: Up to 80%

Premier Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Home Equity Line of Credit (REAP®) Variable Rate
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Premier Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Home Equity Variable Rate
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Kohler Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
HELOC 80% LTV
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Home Equity Line of Credit - Variable
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

As low as

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
Home Equity Line of Credit (HELOC)
10 year
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

As Low As; Up to 10 year draw period

Brokaw Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Home Equity HELOC
5 years
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Rate: Prime* + 0 for 1st year

Glacier Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Home Equity LOC
10 year draw period
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

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.

Unison Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Home Equity Line of Credit (HELOC)
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

As Low As

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Home Equity Line of Credit (HELOC)
Variable Rate
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Up to 80% loan-to-value

First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Home Equity Line of Credit
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

Rates Effective: 8.24.26. Rates and points are subject to change without notice.

Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
Variable Rate Home Equity Line of Credit
10 Years
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Home Equity Line of Credit
6.75%
6.75%
Rate6.75%
APR6.75%
Points0.000
UpdatedAug 28, 2026
Details

No additional details available.

N.E.W. Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
HELOC Revolving
6.78%
6.78%
Rate6.78%
APR6.78%
Points0.000
UpdatedAug 28, 2026
Details

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.

The home equity loan and HELOC rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, the amount of equity in your home, your combined loan-to-value ratio (CLTV), and the lender's current underwriting standards.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

Friesland, Wisconsin Home Equity Snapshot

Local housing and income figures that shape how much equity Friesland, WI homeowners can borrow against. Source: U.S. Census Bureau & FHFA.

Median Home Value
$151,300
Census ACS, owner-occupied
Est. Equity Held
$52,955
Typical owner at ~35% paid down
Est. Borrowable
$30,260
At 85% combined loan-to-value
Median Household Income
$86,250
Census ACS
Median Property Tax
$2,167/yr
Census ACS
Homeownership Rate
71.2%
Census CPS/HVS (metro area)
Price-to-Income Ratio
1.8x
Home value vs. household income
2026 Conforming Limit
$832,750
FHFA one-unit, this county

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 Friesland, 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 80–85%. Using the local median home value of $151,300, 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 $105,910 $45,390 $22,695
Roughly halfway through $83,215 $68,085 $45,390
Well into repayment $60,520 $90,780 $68,085

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 $86,250 — 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.

Friesland, WI Home Equity Rate Trends

Compare local Friesland, 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.

View Full Wisconsin HE Trends
HELOC — WI Avg
6.849%
▲ 0.048 vs 7 days ago

Wisconsin HELOC rates rose 0.048 points over the past 7 days to 6.849%.

Home Equity Loan — WI Avg
7.285%
▼ 0.488 vs 7 days ago

Wisconsin home equity loan rates fell 0.488 points over the past 7 days to 7.285%.

As of Aug 29, 2026 • Rate data sourced from our monitored institution network
Powered by MonitorBankRates

Wisconsin Home Equity Rate Forecast — Next 12 Months

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.

Current WI HELOC Avg
6.849%
Variable (prime + margin)
12-Mo HELOC Forecast
6.599%
Range: 6.35% – 6.80%
Current WI HE Loan Avg
7.285%
Fixed rate
12-Mo HE Loan Forecast
6.885%
Range: 6.54% – 7.19%

What Forecast Rates Mean for Friesland, WI 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) 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.

Projections based on Fed funds futures, prime-rate tracking, and historical home equity spread models. Not a guarantee of future rates.

How Home Equity Lending Works in Friesland, Wisconsin

Friesland, Wisconsin Equity Math

According to the U.S. Census Bureau, the median owner-occupied home value in Friesland, Wisconsin is approximately $151,300. A homeowner who owes 60% of their original mortgage on a median-valued home would have roughly $60,520 in available equity. At a typical 85% CLTV limit, that means they could potentially borrow up to $37,825 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

Friesland, 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?

$
$
Estimated You Could Borrow $0

2. Estimated Monthly Payment

$

Defaults to your estimated borrowing limit — edit to model a smaller loan.

%
Estimated Monthly Payment $0

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 Friesland, 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 Friesland, 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 Friesland, 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 Friesland, 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 Friesland, 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 Friesland, 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, Plymouth County Teachers Federal Credit Union is listing its HomeRun HELOC at 4.75%. For Friesland, Wisconsin borrowers, a loan offers payment certainty, while a HELOC offers flexibility for ongoing or uncertain costs.

How Much Friesland, 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 Friesland, 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 Friesland, 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 Friesland, 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 Friesland, 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 Friesland, 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 Friesland, Wisconsin

What is the difference between a home equity loan and a HELOC in Wisconsin?

A home equity loan is a closed-end second mortgage with a fixed interest rate, fixed monthly payment, and fixed repayment term (typically 5-30 years). You receive the full loan amount as a lump sum at closing. A HELOC (home equity line of credit) is revolving credit with a variable rate tied to the prime rate. During the draw period (usually 10 years), you can borrow up to your credit limit as needed, and you typically pay interest only on the amount drawn. The HELOC then enters a repayment period (often 20 years) where you pay back principal and interest. In Wisconsin, both products are widely available from local banks and credit unions.

How much equity do I need to qualify for a HELOC or home equity loan?

Most lenders in Wisconsin require you to maintain at least 15-20% equity in your home after the new HE loan or HELOC. This means the combined loan-to-value ratio (CLTV) of your first mortgage plus the new home equity product cannot exceed 80-85% of your home's appraised value. Some lenders offer up to 90% CLTV for borrowers with strong credit, though rates and terms tighten at higher LTVs.

What credit score do I need for a home equity loan in Wisconsin?

Most Wisconsin lenders require a minimum credit score of 620-640 for a home equity loan or HELOC, with the best rates reserved for borrowers with scores of 740 or higher. Credit score is one of several factors lenders consider, alongside your debt-to-income ratio, employment history, and the amount of equity in your home.

Are HELOC interest payments tax-deductible?

Under current IRS rules, interest on a HELOC or home equity loan is tax-deductible only if the proceeds are used to buy, build, or substantially improve the home that secures the loan. Interest on funds used for other purposes (debt consolidation, college tuition, vehicles, etc.) is not deductible. Total mortgage interest deductions are also capped at $750,000 of combined mortgage debt (or $1 million for loans taken before December 15, 2017). Consult a tax professional for advice on your specific situation.

What is the current prime rate and how does it affect my HELOC?

The prime rate is the benchmark short-term rate that most U.S. banks use as the basis for HELOC pricing. Your HELOC rate is typically expressed as prime + margin, where the margin is a fixed number of percentage points determined at origination based on your credit profile. When the Federal Reserve raises or lowers its federal funds target rate, banks generally adjust the prime rate within days, and your HELOC rate moves with it on the next billing cycle. This is why HELOCs are considered variable-rate products and why borrowers in Wisconsin benefit from comparing current margins across multiple lenders rather than focusing only on the introductory rate.

What is a HELOC draw period?

The draw period is the initial phase of a HELOC during which you can borrow against your credit line as needed. It typically lasts 10 years. During the draw period, most lenders only require interest payments on the amount you've actually drawn, though some allow or require principal payments as well. After the draw period ends, the HELOC enters the repayment period (often 20 years), during which you can no longer draw new funds and must repay principal and interest on the outstanding balance.

Can I use a home equity loan or HELOC for debt consolidation?

Yes -- and this is one of the most common uses. Because home equity products are secured by your home, they typically carry significantly lower interest rates than credit cards or personal loans. Borrowers in Wisconsin often use HELOC or home equity loan proceeds to pay off higher-interest credit card debt. The trade-off is that you're converting unsecured debt into debt secured by your home, so default risk shifts: missing payments could put your home at risk. Run the numbers and make sure the monthly savings are worth that trade-off.

Are there closing costs on a home equity loan or HELOC?

Most home equity loans charge closing costs ranging from 2-5% of the loan amount, similar to a primary mortgage but on a smaller principal. HELOCs frequently have lower or even no closing costs, though some lenders charge an annual fee, an inactivity fee, or early-termination fees. Many lenders in Wisconsin run promotional offers waiving closing costs on HELOCs in exchange for maintaining the line open for a minimum period (typically 3 years).

Should I get a HELOC or a home equity loan?

Choose a home equity loan if you need a specific lump sum (e.g. major renovation, vehicle purchase) and want fixed payments. The fixed rate protects you against future rate increases. Choose a HELOC if you want flexibility -- access to funds as needed over a 10-year draw period, with interest charged only on what you actually borrow. HELOCs are good for ongoing projects, emergency reserves, or any situation where the total amount needed is uncertain. The trade-off is HELOC rates are variable and may rise.

Can I refinance my HELOC into a fixed-rate home equity loan in Wisconsin?

Yes. Many borrowers in Wisconsin refinance HELOC balances into fixed-rate home equity loans when rates are rising, locking in a predictable payment and protecting against further rate increases. Some lenders also offer a fixed-rate conversion option built into the HELOC itself -- allowing you to convert all or part of your outstanding balance into a fixed-rate sub-account without a full refinance.

How much equity could a homeowner in Friesland, Wisconsin have?

According to U.S. Census Bureau data, the median owner-occupied home in Friesland, Wisconsin is valued at approximately $151,300. A homeowner who has paid the original mortgage down to about 65% of that value would hold roughly $52,955 in equity. At a typical 85% combined loan-to-value limit, that translates to an estimated $30,260 available to borrow through a home equity loan or HELOC, depending on credit profile and lender underwriting. Source: U.S. Census Bureau.

What is a typical home equity loan amount in Friesland, Wisconsin?

There is no single standard amount — it depends on how much equity you hold and your lender's limits. As a rough illustration, borrowing 15% of the Friesland, Wisconsin median home value of $151,300 would be about $22,695. Many borrowers take less than the maximum they qualify for, since the loan is secured by their home. Use the rate tables above to compare current offers from lenders serving Wisconsin.

Can households in Friesland, Wisconsin afford a home equity loan payment?

Affordability depends on your existing debts, but local income gives useful context. The local median household income is approximately $86,250, against a median home value of $151,300 — a price-to-income ratio of about 1.8x. Lenders generally want your total monthly debt payments, including a new home equity loan or HELOC, to stay within 43-50% of gross monthly income. Source: U.S. Census Bureau.

How do property taxes in Friesland, Wisconsin affect home equity borrowing?

Property taxes do not directly limit how much you can borrow, but they are part of the total housing cost lenders weigh in your debt-to-income calculation. Local owners pay a median of roughly $2,167 per year in property taxes. Higher carrying costs leave less room in a monthly budget for a new home equity loan or HELOC payment, so factoring them in early gives you a realistic borrowing target. Source: U.S. Census Bureau.

What percentage of homeowners in Friesland, Wisconsin have a mortgage they could tap for equity?

According to the U.S. Census Bureau Housing Vacancies and Homeownership survey (CPS/HVS), the homeownership rate in the Friesland, WI metro area is approximately 71.2%, compared with the national rate of 65.7%. A significant share of those owners carry a mortgage and build equity with every payment, making them potential candidates for a home equity loan or HELOC. Source: census.gov/housing/hvs.

What are the best home equity rates in Friesland, Wisconsin?

  • Plymouth County Teachers Federal Credit Union: 4.75% (HomeRun HELOC)
  • Glacier Hills Credit Union: 4.99% (Home Equity LOC)
  • TruNorthern Federal Credit Union: 5.00% (Fixed Mortgage and Home Equity Loans)
  • Gundersen Credit Union: 5.00% (In-House Second Mortgage - 5 Year Fixed)
  • The Park Bank: 5.24% (Home Equity 6 Month Fixed Introductory Rate HELOC Special)
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

Friesland, Wisconsin Rates & Resources