Lock in 3.99% APR for 6 months on a HELOC*
Use the value in your home to fund renovations, consolidate debt, or take a vacation—all at a special 3.99% APR for the first 6 months and as low as 6.99%APR after that.
*APR is Annual Percentage Rate. After the introductory period the rate will be tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin, or the floor rate of 3.99%, whichever is higher. Your actual rate will be based upon your creditworthiness and loan-to value (LTV). Prime Rate as of December 20, 2024 is 7.50%. Maximum LTV is 100%. Rates subject to change but the APR will not exceed 18.00% APR. Current regular rates range from 6.99% to 15.49% and are accurate as of March 17, 2025. Property insurance required. Existing Home Equity Lines of Credit can qualify for introductory rate if limit is increased by $25,000, member must qualify for increase. Introductory rate only offered on lines of credit up to $200,000. Federally insured by NCUA. Equal Housing Opportunity
Today's home equity loans rates
View rates6 month intro rate
As low as
Home equity loan options
You may need a one-time loan or a line of credit (HELOC) to best meet your needs and in either case Heartland has an option for you.
Fixed payments on second mortgages
You can more easily budget and afford your monthly payments on a fixed-rate, closed-end second mortgage.
Open-ended line of credit
Borrow only what you need as expenses arise. As you pay back what you used, the balance becomes available again.
Low interest rates
Our home equity loans and HELOC rates are lower than other loan options, helping you save more.
Interest may be tax deductible*
Sometimes home equity loan interest gives you a tax advantage. *Speak to your tax advisor to see if a home equity loan could benefit your tax situation.
Up to 100% combined loan to value ratio
For primary residences, you could qualify for a higher loan amount than what other institutions can offer because we finance up to 100% of your loan to value (LTV) ratio.
Have a question?
Come meet our amazing team. As a trusted credit union in the area, we can help you find personal loans in Wisconsin, including holiday loans, that match your needs.
Estimate your monthly payment
Let's see what your monthly payment could be for a closed-end second mortgage.
Monthly Payment
With Heartland, you can enjoy helpful benefits with your second mortgage
Life can be easier with a second mortgage. At Heartland Credit Union, we offer fixed monthly payments as well as flexible terms of 5, 10, or 15 years to repay. Plus, with competitive rates you can rely on an affordable loan option with us.
My rep was awesome at explaining everything to me when I asked about getting a HELOC! 10 out of 10!
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Complete an application
Fill out an online application within a matter of minutes.
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2
Get approved
Our lenders will review your application and notify you of your approval.
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Use funds
Once you receive funds in your account, use them however you want and begin making affordable monthly payments to repay your balance.
Afford life's expenses with your home's equity
Your home is one of your greatest investments and resources, and with a home equity loan or line of credit, you can better afford a vacation, renovations, medical expenses, and more. Apply for a Heartland Credit Union HELOC or home equity loan to get started today!
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*APR is Annual Percentage Rate. Home equity line of credit (HELOC) rates are variable and tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of
is %. HELOC rates currently range between % – %. Rates are subject to change but will never go above % APR or below % APR. Closed-end second mortgage rates are fixed for the life of the loan and currently range between % – %. Your actual rate will be based on your creditworthiness and loan-to-value (LTV). Maximum LTV is %. Property insurance is required. Appraisal fee and title insurance, if required, is an additional charge. Closing cost fees generally range from $0.00 to $600.00. Fees that may apply: appraisal or property valuation, title report, flood determination, tax servicing, and filing fees. Rates are accurate as of .
Rates
Home Equity Loan Rates
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Home Equity Line of Credit |
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Second Mortgage Fixed |
Up to |
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*APR is Annual Percentage Rate. Home equity line of credit (HELOC) rates are variable and tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of
All features
Access full HELOC amount
You can access the full value of your HELOC if needed, helping you more securely fund your pressing expenses and projects.
Terms of 5, 10, or 15 years for second mortgages
You can have flexibility when choosing a repayment plan for your second mortgage, in hopes of saving your more.
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