Flex Home Equity Line of Credit

You need money, and your home may be the solution. With a Flex Home Equity Line of Credit, you can make improvements to your home, take a trip, or pay for college or a wedding. And it's a line of credit that is always available. At Heartland, we’re here to help make your dreams come true in any way we can.
It’s the Heartland Way.

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Open a new Flex HELOC.  We’ll help you save money right from the start.
Pay down your balance as fast as you want, or take advantage of interest only payments on your Flex HELOC if you need to save a little money from time-to-time.
Using your Flex Home Equity Line of Credit is simple.  Access funds inside HCU Digital Banking, call our eBranch to transfer funds, or stop by any Heartland Credit Union branch.
"You’ve always been good to us."
 - Pete & Margo H.
   Members since 2015.
Home Equity Line of Credit Rates
See all rates
Flex HELOC <= 80% LTV
as low as
7.49
%
APR*
Apply Now
Flex HELOC > 80% LTV
as low as
8.49
%
APR*
Apply Now
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Flex Home Equity Line of Credit Features

  • Borrow up to 90% of the value of your home
  • Payment terms up to 180 months on your balance
  • Interest-only payments with the flexibility to pay more
  • Access funds from your master line of credit at any time
  • Convenient advance options - Access funds online, via mobile banking, call us or stop in

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

HCU team helps business partners grow and manage their business.
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.  6.99% 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 7.49%) not to exceed 18% at any time, with a floor rate of 3.25%.  Information accurate as of 1/1/2025. 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.