Express Line-of-Credit (LOC)


The Express Line of Credit is a revolving line of credit that gives you immediate access to extra cash when you need it. It's a low interest signature loan that you write yourself.  No gimmicks or introductory teaser rates. Collateral isn't usually needed and there is no annual fee. Since the Express LOC is our lowest signature rate, it's an affordable way to consolidate credit cards or other high interest loans. With our tiered rate structure, more qualified borrowers receive lower rates.
  • Unrestricted 24-hour access
  • Low Tiered rates
  • No annual fee
  • Always there when you need it

  • See our current rate sheet for rates
  • Low variable interest, subject to change quarterly
  • Low monthly payments calculated on 36 months
  • Your line-of-credit is always available. However, you may close it at any time
  • Your payment amount will appear on your regular monthly Heartland Credit Union statement
  • Payments are due the 30th of each month
  • Interest is charged whenever you have a balance, there is no grace period