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Home equity loans

Home Equity Loans in Wisconsin: Secure Affordable Financing for Your Needs

You can secure a loan with the equity in your home and use the funds for a number of major life expenses. Get the funds as a lump sum, or as a home equity line of credit (HELOC). The low rate helps you save money.

Today's home equity loans rates

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60 months

As low as % APR*

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.

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Estimate your monthly payment

Let's see what your monthly payment could be for a closed-end second mortgage.

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Fixed payments and flexible terms for second mortgages

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.

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family in home

My rep was awesome at explaining everything to me when I asked about getting a HELOC! 10 out of 10!

— Daniel M., Belmont, member since 2013

How it works

Access home equity loan or line of credit (HELOC) funds in a few steps.

  • 1

    Complete an application

    Fill out an online application within a matter of minutes.

  • 2

    Get approved

    Our lenders will review your application and notify you of your approval.

  • 3

    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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Mortgage Options

Whether it's your first home or your forever home, Heartland Credit Union has the mortgage options that can set you up for financial success.

Kwik Cash Line Of Credit

Sometimes you need extra cash to cover an expense that's more than your checking account balance. Kwik Cash line of credit can help you avoid NSF fees.

Mastercard® Credit Card

With a Heartland Credit Union rewards Mastercard® credit card, the low rates and $0 annual fee help you save money. Digital banking makes managing your balance easy and convenient.

Digital Banking

Whether you are at home, the office, or anywhere else, you can sign into digital banking and view transactions, transfer funds, manage loans, and more.

  • *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 July 26, 2023, is 8.50%. HELOC rates currently range between 7.99% – 16.49%. Rates are subject to change but will never go above 18.00% APR or below the floor rate of 3.99% APR. Closed-end second mortgage rates are fixed for the life of the loan and currently range between 6.49% – 10.24%. Your actual rate will be based on your creditworthiness and loan-to-value (LTV). Maximum LTV is 100%. 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 September 1, 2023.