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Home loans that move you forward

Whether you're buying your first home, refinancing or using your equity, we’re here to make the process clear and approachable. Get the guidance, flexibility and support you need from a team that puts your goals first.

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Your home financing journey

Whether you're buying, building or tapping into your equity, the right loan can help you move forward with confidence.

01

Define your goal

02

Explore mortgage
& home equity options

03

Apply with ease

04

Close & move forward with
confidence

Home loan options

Fixed-rate mortgages

Lock in a consistent rate and predictable monthly payment for the life of your loan. A fixed-rate mortgage gives you long-term stability so you can plan ahead with confidence, whether you are buying your first home or refinancing.

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Perks of a fixed-rate mortgage with HACU:

  • The interest rate remains fixed for the life of the loan.
  • Your monthly principal and interest payments stay stable.
  • The loan is available in multiple term options, including 15, 20, and 30 years.
  • You are protected from market rate increases.

Refinancing options

Life changes, and your mortgage can too. Refinancing may help you lower your rate, reduce your monthly payment, or use your home’s equity to reach new financial goals.

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Perks of refinancing your mortgage with HACU:

  • You may have the opportunity to secure a lower interest rate.
  • You can choose to shorten your loan term.
  • You have the option to convert from an adjustable-rate mortgage (ARM) to a fixed-rate loan.
  • Cash-out refinancing is available for renovations, debt consolidation or major expenses.

We’ll help you evaluate your options and determine whether refinancing aligns with your current goals.

Home equity loan

Put your home’s value to work with flexible borrowing options designed around your needs. Whether you’re looking to access up to 85% or tap into 100% of your available equity, you can fund what matters most with confidence.

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home equity loan as low as APR*6.54%

What you can expect:

  • Borrow from $5,000 up to $500,000, depending on your equity.
  • Access up to 100% of your home’s value, less your mortgage balance.
  • Fixed-rate options with terms ranging from 5 to 15 years.
  • No application fees.
  • No closing costs on loans of $25,000 or more.

From home improvements to debt consolidation, major purchases to life’s big moments, your equity can help you get there.

Home equity line of credit (HELOC)

Home equity lines of credit (HELOCs) come with the flexibility to access your funds when and if you need them instead of taking out a large lump sum all at once. Our HELOC comes with low rates, zero closing costs*, no annual fees, and no application fees.* Borrow up to 85% of your home's value and have the peace of mind that you have access to cash when you need it.

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Owner-occupied residences in Illinois, Indiana, Wisconsin or Missouri only

home equity line of credit (HELOC) as low as APR26.50%

Advantages include:

  • Low variable interest rates
  • No application fees
  • Credit limits available from $5,000 to $500,000
  • No closing costs for initial advances of $25,000 or more
  • 10-year draw period
  • Interest-only payments

What others are saying

View All Testimonials ❯
❛❛

I received a prompt response to my online application. Stacy clearly explained the loan process, verified some information, and told me exactly what to expect next. As always, it has been a pleasure working with HACU staff—they are knowledgeable and pleasant.

Dana M.

❛❛

Jeremy N. was incredibly kind and helpful in processing my loan. He explained everything clearly and in detail. I truly appreciate all of his assistance—thank you so much!

Veronica V.

❛❛

Gaby was so nice and helpful! We were exploring a loan, and she went out of her way to guide us through the process and make everything easy. Thank you, Gaby!

David O.

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