Skip to main content
Online Banking 800.362.3944

Home Equity Loans

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.

Home Equity Line-of-Credit HELOC

Interest RateRates as low as 1.99% APR* for the first six months.
TermRevolving line of credit
Draw Period/Balloon Period5 year draw period; followed by repayment period
FeesLow closing costs**
PaymentInterest only or $50 minimum, whichever is greater

Second Mortgage Fixed

Interest Rate5 year fixed rate as low as 3.99% APR
TermUp to 15 years
FeesLow closing costs**
PaymentBased on the rate & repayment option
*APR is Annual Percentage Rate. After the six-month introductory period the rate will revert 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). Prime rate as of April 1, 2017 is 4.00%. Maximum LTV is 100%. Property insurance required. Existing Home Equity Lines of Credit are not eligible for the introductory rate. No or low closing costs for new HELOC only. Appraisal fee and title insurance, if required, is an additional charge.

** 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.

Are you ready to change?

Join now to start feeling the difference.

Join Now
Leave this Website?

You are leaving the Heartland Credit Union website. The website you are linking to is not operated by Heartland Credit Union. We are not responsible for any content or information posted to this external website. Heartland Credit Union is not responsible for, nor do we represent you or the external website if you enter into any agreements.

Privacy and security policies may differ between our website and this external site.

Proceed Cancel
Online Banking Secure Login

If you have not set up your username, please enter your account number.


Close