Flex Home Equity Line of Credit

Flex HELOC made simple

Tap into your home’s equity with flexible access and a low intro rate.

A Flex Home Equity Line of Credit gives you the freedom to borrow what you need, when you need it. Use it for home improvements, debt consolidation, or unexpected expenses—all with competitive rates and convenient access.

Apply now

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Flexible access

Draw funds as needed and only pay interest on what you use.

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Competitive rates

Enjoy a low introductory rate and variable rates that keep borrowing affordable.

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Convenient management

Access your line through online banking, mobile app, or checks for ultimate control.

Home Equity Line of Credit Rates

See all rates

Flex HELOC <= 80% LTV

as low as

6.74

%
APR^*

Apply Now

Flex HELOC > 80% LTV

as low as

7.74

%
APR^*

Apply Now

Apply now

Have an HCU staff member contact you about a Flex Home Equity Line of Credit.

Or stop by your nearest Heartland Credit Union branch in Hutchinson, Haven, Hays, Ness City, Newton, or Wichita, Kansas.

*Annual Percentage Rate. Membership required. Subject to credit approval. 6.49% introductory APR will be in effect for the first twelve months after your line of credit is opened. Upon expiration of the introductory rate, all balances will accrue interest at the variable standard APR, which can range from Prime minus .01% to Prime +.99%, using the Wall Street Journal Prime Rate (currently an APR of 6.74%) not to exceed 18% at any time, with a floor rate of 3.25%. Information accurate as of 1/1/2026. This offer is available to new Home Equity Lines of Credit only and is subject to change without notice. No application or origination fees for qualifying members who have an active Spending account with direct deposit. $49 origination fee for non-qualifying accounts. Normal third-party fees for appraisal, title, and taxes apply.

Flex HELOC made simple