Low or no credit can have a widespread impact on a person's life: it can make it difficult to access financial products, secure housing, and even find employment. Payment history is one of the biggest factors in determining your credit score. Heartland Credit Union's Credit Builder Loan offers a unique opportunity to not only enhance your creditworthiness but also foster a healthier financial outlook.

For most people, your home is your greatest and largest asset.  A Home Equity Line of Credit (HELOC) can help you take advantage of the equity you have in your home to give you financial flexibility.  Whether you’re looking to do home improvements, pay for college, or simply take vacation, a HELOC can be a great solution.

It’s all too easy to rack up credit card debt during the holidays. If that has happened to you, don’t panic. While it’s much easier to dig yourself deep into debt than it is to claw your way back out, there is hope. If you create and follow a strong debt-reduction plan, you’ll be back on your feet in no time. Here’s how to do just that.