A home equity loan from Heartland is the smart way to borrow.  The interest on your loan may be tax-deductible (always check with your tax adviser)

Got a home equity loan somewhere else -- even at (gasp) a bank? Go Local and bring it to Heartland.

Compare Home Equity Options

Home Equity Line-of-Credit HELOC
Interest Rate Rates as low as 1.99% APR* for the first six months.
Term Revolving line of credit
Draw Period/Balloon Period 5 year draw period; followed by repayment period
Fees Low closing costs**
Payment $50 minimum payment or 1% of the principal balance as of the close of the billing cycle
Other Features MasterCard® access available
Second Mortgage Fixed
Interest Rate 5 year fixed rate as low as 3.99% APR
Term Up to 15 years
Fees Low closing costs**
Payment Based on the rate & repayment option

 *The rate after six months will be as low as 4.50%. Home Equity Loans/Second Mortgages: All rates and fees are based on your credit history and your usage of other Heartland Credit Union products and services. Please see an associate for details. Normal lending policies apply. Property insurance required. The annual percentage rate (APR) is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. The APR can change on the first day of the billing cycle. The maximum APR that can apply is 18% and the floor is 4.50%. The variable rate program has a 5-year draw period. 
** Closing cost fees range from $63.00 to $500.00. Fees that may apply: appraisal or property valuation, title report, flood determination, tax servicing and filing fees.