Turn Your Plans into Projects with a HELOC
Enjoy an introductory rate of 3.99% APR for 6 months,* then as low as 6.24% APR. Flexible access to funds for renovations, repairs, and more.
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*APR = Annual Percentage Rate. After the introductory period, the APR will be a variable rate tied to the Prime Rate as published in the Wall Street Journal, plus or minus a margin, or the floor rate of 3.99%, whichever is higher. Your actual rate will be based upon your creditworthiness and loan-to-value (LTV). The Prime Rate as of December 11, 2025 is 6.75%. Maximum LTV is 100%. Rates range from 6.24% to 14.74% APR and are accurate as of February 16, 2026. Rates are subject to change; however, the APR will not exceed 18%. Property insurance is required. The loan is secured by your home. Existing Home Equity Lines of Credit may qualify for the introductory rate if the credit limit is increased by at least $25,000, and the member qualifies for the increase. The introductory rate is only offered on lines of credit up to $200,000. Offer may end at any time without notice.
APY = Annual Percentage Yield, APR = Annual Percentage Rate
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At Heartland Credit Union, you can find savings accounts and certificates to help build and manage your wealth. You can also secure affordable home, car, and business loans. Money matters make sense when you have the digital tools to manage your accounts whenever, wherever you are. So what are you waiting for? Hone, reach, and exceed your financial goals and dreams with the premier Wisconsin credit union today!
Our rep was very friendly, knowledgeable, and nice to chat with. She did a great job with both signing up for our mortgage and account.
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Protection when it matters. We are here to help!
In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim for any of the following Payment Protection Products:
- Life
- Terminal Illness
- Accidental Dismemberment
- Hospitalization
- Family Medical Leave
- Loss of life of a Dependent
- Disability
- Involuntary Unemployment
To begin, please fill out a claim form HERE!
If you prefer, call 1.800.621.6323 to begin the process and a TruStage Claims Specialist will guide you through the process.
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File a Loan Protection Claim
Protection when it matters. We are here to help!
In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim for any of the following Payment Protection Products:
- Life
- Terminal Illness
- Accidental Dismemberment
- Hospitalization
- Family Medical Leave
- Loss of life of a Dependent
- Disability
- Involuntary Unemployment
To begin, please fill out a claim form HERE!
If you prefer, call 1.800.621.6323 to begin the process and a TruStage Claims Specialist will guide you through the process.
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