Managing debt can feel overwhelming. When you are juggling high-interest credit cards, medical bills, or personal expenses, the right lending tool can help you take back control. At Heartland, we focus on being your partner in banking and beyond, which means helping you understand your options and choose the one that fits your goals.
The big picture
Debt consolidation means rolling multiple debts into a single, manageable payment. For many members, a Home Equity Line of Credit (HELOC) or Personal Loan can be an affordable way to simplify monthly payments and reduce total interest costs.
Heartland offers several options, including:
- HELOCs: Flexible revolving credit backed by your home’s equity.
- Signature Personal Loans: Fixed rate and predictable monthly payment.
- Express Loans: Quick access to smaller amounts for short-term needs.
Why these tools matter
High‑interest credit cards can make it difficult to break the cycle of debt. The right consolidation tool can help you:
- Lower the interest you pay
- Pay down debt faster
- Combine multiple payments into one
- Create a clearer path forward
Which option fits your needs?
HELOC: Best for flexibility and larger balances
A HELOC gives you access to funds based on the equity in your home. It works well if you want ongoing access to credit or if you are consolidating several larger debts. Learn more and apply at hcu.coop/heloc.
Members also use HELOCs for home improvements, emergencies, or future projects. If you want to learn more, visit our updated 2026 guide: What is a HELOC?
Personal Loan: Best for structure and simplicity
A Signature Loan offers a fixed interest rate, fixed term, and one straightforward monthly payment. It is often a good fit for credit card consolidation, medical expenses, or unexpected costs. You can explore these options at hcu.coop/personal-loans.
Express loan: Best for quick access
When you need funds fast, an Express Loan can help you handle smaller balances or unexpected expenses without the long application process.
How to choose confidently
Start with a few simple questions:
- Do I want the flexibility of using funds over time?
- What type of payment structure fits my budget?
- Am I consolidating large balances or smaller ones?
- How quickly do I need the funds?
No matter where you are in the process, our lending team is ready to guide you. We take the time to understand your goals, walk through your options, and help you choose the path that fits both your budget and your future plans.
Next steps
- Apply for a Home Equity Line of Credit.
- Apply for a Personal loan.
- Learn more: What is a HELOC?
Or visit your nearest branch. We are here to help you move forward with confidence.
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