Home Equity Loan in Madison, WI
3.99% APR intro rate for 12 months!*
Life is full of “want to dos” and “have to dos”. Maybe you want to go to Jamaica, remodel your bathroom because of a pipe burst, or start a business. “Want to dos” are way more fun, but a want and a need can happen simultaneously. That’s why you need to be smart in choosing companies that provide not only financial services for start-ups, but also for other necessities. Funds should be present whether you need them OR want them.
For a limited time, a home equity line of credit in Madison (HELOC) has a special introductory rate of 3.99% APR* for 12 months. Then the rate will be variable as low as 7.74% APR.
Apply NowGot a home equity loan somewhere else — even at (gasp) a bank? Go Local and bring your home equity line of credit to Madison in Heartland Credit Union.
Home Equity Line-of-Credit HELOC
Interest Rate | Rates as low as 3.99% APR* |
Term | Revolving line of credit |
Draw Period/Balloon Period | 5 year draw period; followed by repayment period |
Fees | Low closing costs** |
Payment | Interest only |
Second Mortgage Fixed
Interest Rate | 5 year fixed rate as low as 5.74% APR |
Term | Up to 15 years |
Fees | Low closing costs** |
Payment | Based on the rate & repayment option |
*APR is Annual Percentage Rate. After the introductory period, the rate will be tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of May 4, 2023, is 8.25%. Our second mortgage rates range from 7.74% to 16.24% and are accurate as of June 1, 2023. Rates are subject to change but will never go above 18.00% APR or below the floor rate of 3.99% APR. Your actual rate will be based on your creditworthiness and loan-to-value (LTV). Maximum LTV is 100%. Property insurance is required. Existing Home Equity Lines of Credit are not eligible for the introductory rate. Appraisal fee and title insurance, if required, is an additional charge.
**Closing cost fees range from $30.00 to $645.00. Fees that may apply: appraisal or property valuation, title report, flood determination, tax servicing, and filing fees.
Contact us today, and let’s start working on your home equity loan in Madison!

Earn Double Points
Use your Heartland credit card to pay at restaurants and bars in June to earn double points.*
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