Consider a HELOC from Heartland

Turn your home’s equity into cash with Heartland Bank’s Home Equity Line of Credit

Spring has sprung, and it’s time to tackle those financial to-do lists! Take advantage of our Home Equity Line of Credit that would enable you to borrow against the equity in your home for such things as debt consolidation, home renovations, repairs or medical expenses. Heartland is proud to offer competitively low interest rates and flexible terms. Take advantage of our spring special!


Contact your local branch banker or apply online today.

Our Virtual Branch Manager Brandon Howard is here for you if you need any assistance along the way. Start your application below, and let us know if we can help!

*Annual Percentage Rate (APR). This is a variable rate that will adjust to the Prime Rate as published in the Wall Street Journal on the last day of the month, currently at 3.25% as of 04/06/2021. If the Prime Rate changes, your interest rate and payment will adjust accordingly. A balloon payment may result, if applicable. Maximum interest rate is 24%. These rates are available to applicants with a minimum credit score of 725 and a maximum loan-to-value of 80%. Floor rate is equal to initial rate at time of closing. Your rate may also be different depending upon your credit history. Maximum line amount is $250,000. Loan term is ten years. Initial draw of at least $10,000 is required. A Heartland Bank checking account is required to take advantage of this special offer. $50 minimum opening deposit required for Heartland Free Checking or Heartland Basic Checking Accounts. $100 minimum opening deposit required for Heartland Advantage Checking or Heartland Premium Checking Accounts. Draws and payments can be made during the entire term of the loan. Lines over $250,000 in first lien position may require title insurance. Minimum monthly payment for a HELOC is $100 or the balance owed if it’s less than $100. Monthly payment is 1% of the principal balance at the time it bills each month, so it will fluctuate month to month. There is an annual fee of $50.00 that is waived the first year, and is applicable every year thereafter. Property insurance is required. Flood insurance may be required. 1-4 family owner occupied properties only. Property must not be currently listed for sale. Maximum debt-to-income ratio of 40%. This offer is valid for new equity lines only. Interest only HELOC products are also eligible for this offer. For interest only HELOC product, the loan term is three years. Monthly payment is the interest owed on the principal balance at the time it bills each month, so it will fluctuate month to month. Subject to credit approval and appraisal. Consult a tax advisor about the deductibility of interest. Other rates and terms available. ** Offer ends 06/30/2021.

Turn your home's equity into cash with our Home Equity Line of Credit 2.99%* APR

Gearing up for spring home improvements? Spring has sprung.  A Home Equity Line of 2.99% APR*