Home Equity

Home Equity loan products use the equity in your home as collateral. Since many people stay in their homes for years, the equity amount can be substantial, making these loans great borrowing tools for very large expenses. Check with your tax advisor for possible tax benefits, too.

Home Equity Line of Credit

A HELOC is an open-ended loan that allows you to draw on your funds when you need them. As you pay back the loan, that money in the line of credit becomes available again for future use without having to reapply. A HELOC is perfect for an emergency fund, last-minute projects, or paying large expenses like college tuition or bill consolidation.
  • Competitive variable rate.
  • Convenient check writing service for easy access.
  • Use up to your approved amount at any time.
  • Borrow up to 90% of the appraised value of your home, minus any outstanding mortgages.
  • Pay interest only on the amount you have used.
  • No annual maintenance fees.

Heart of the Home Visa Credit Card

This credit card program provides a helping hand when paying for major home improvements. Learn more.
  • 0% APR on your first purchase for six or twelve months — you pick the term.
  • 16.99% APR on subsequent purchases, transfers, and advances.
  •  Interest will begin to accrue after the introductory period on any unpaid balance of the initial purchase — it is not retroactive.  



Join our member loyalty rewards program and earn a free gift just for doing more at Heartland FCU. Apply for your loyalty reward today.

Annual Meeting

Mark your calendars to attend Heartland Federal Credit Union's Annual Meeting at our Moraine branch on Tuesday, April 26 at 7pm.