Flex HELOC Heartland Credit Union

Flex Home Equity Line of Credit

A Flex HELOC from Heartland Credit Union gives you access to funds based on the equity in your home.  As an open line of credit, it gives you the flexibility to use it when you need it, for whatever you need.  Our interest-only payment option gives you the flexibility of lower monthly payments or pay as much as you'd like.

  • Borrow up to 90% of the value of your home
  • Payment terms up to 180 months on your balance
  • Access funds from your master line of credit at any time
  • No Origination Fee^

Advantages include:

  • Great Rates - 2.99% APR* introductory rate for 12 months
  • Interest -only payments - Pay as much as you want or as little as interest only
  • Convenient advance options - Access funds online, via mobile banking, call us or stop in. We're flexible!

Ways to use your Flex HELOC

  • Home Improvements: Transform your home using the equity you've already earned. Whether it's overhauling the kitchen or replacing drafty windows, the improvements you've dreamed of are within reach.
  • Debt Consolidation2: Simplify your life by bringing all of your debt under one roof. Enjoying the ease of having just one low payment at a reasonable rate.
  • College: Sometimes student loans don't cover all of the educational expenses you're responsible for. Let your house to help bridge the gap.
  • Weddings: Say "I do" to all of your big nuptial plans, thanks to the equity in your home.
  • Vacation: In a twist of irony, use your home to take a break from your home. Make memories that will last a lifetime on a special getaway.
  • Everything Else: Adoptions, plastic surgery, braces, emergency funds it's your call. Your home's equity won't judge.

Providing flexible solutions that help you attain your dreams. It's the Heartland way.

Apply for your Flex Home Equity Line of Credit today.

*APR=Annual Percentage Rate. Membership required. Subject to Credit Approval. 2.99% Introductory APR will be in effect for the first twelve (12) months after your line of credit is opened. Upon expiration of the introductory rate, all balances will accrue interest at the variable standard Annual Percentage Rate (APR), which can range from Prime minus .01% to Prime + .99% using the Wall Street Journal Prime Rate (currently an APR of 5.00%) not to exceed 18% at any time, with a floor rate of 3.25%. Information accurate as of 3/8/2018. This offer is available to new Home Equity Loans only and is subject to change without notice. ^ No application or origination fees for qualifying members who have an active checking with direct deposit. $99 origination fee for non-qualifying accounts. Normal third-party fees for appraisal, title and taxes apply.