As a credit union, we have members, not customers. As a not-for-profit cooperative, we are dedicated to providing superior financial value through high returns on deposits and low rates on loans.


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Home Equity Loan (85 LTV)

Limited Time Discounted Rates* - Home Depot Gift Card* - No Closing Costs*

85% Loan To Value - Home Equity Loan 

As the value of your home increases so does your borrowing power. Finance home improvements, buy a new car, consolidate debt or student loans, pay tuition bills or enjoy a dream vacation.

  • Not sure what your loan to value is? See example below
  • 5 years at 4.25% APR*
  • ‚Äč10 Years at 5.25% APR*
  • Borrow from $5,000 up to $500,000 with a fixed rate
  • No application fees or closing costs on loans of $25,000 or more
  • Owner-occupied residences in Illinois, Indiana or Missouri


Home Stretch Mortgage Refi

Pay off your Mortgage in 5,7,10 or 15 years* - No Closing Costs* - Home Depot Gift Card*

Home Stretch Mortgage Refinance of $25,000 or more as low as 2.95% APR*

No Closing Costs on loans $25,000 or more

  • Loan amounts from $25,000 to $500,000
  • Pay off your home in 5, 7, 10 or 15 years
  • Pay less interest
  • Pay no closing costs
  • FREE application
  • Receive up to 70% Loan-To-Value (Not sure how to know your LTV?  See example below)
  • No escrow
  • Available members residing in IL, IN and MO

Calculate your loan-to value (LTV) 

Your LTV is a figure that represents how much you still owe on your current mortgage expressed as a percentage. Here is a basic formula to use to find you LTV.

Current loan balance ÷ Current appraised value = LTV

Example: You currently have a loan balance(s) of $140,000 and your home appraises for $200,000. Your LTV ratio equation would look like this:

$140,000 ÷ $200,000 = .70 

The LTV expressed as a percentage is 70%

*APR = Annual Percentage Rate

*HACU's Fall Gift Card Giveaway Promotion Disclosure: This promotion is only available for Home Equity Loans  of $5,000 or more and Home Stretch Mortgage Refinances of $25,000 or more and must be secured by owner occupied real estate, in IL, IN, and MO. Property insurance is required. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral. No closing costs unless the loan is less than $25,000. Only HACU Home Equity Loans and Home Stretch Mortgage Refinances applied for, approved and later funded will be eligible to receive a Gift Card. Loans up to $24,999 will receive a $150 Gift Card; loans of $25,000-$49,999 will receive a $250 Gift Card; and loans of $50,000 and over will receive a $350 Gift Card. Consult your tax advisor regarding the deductibility of interest. Refer to or call our loan department for additional information. Additional disclosures will be sent after application is received, please retain a copy for your records. Offer excludes all loans already financed at HACU. Only applications received from September 1 through October 31, 2017 and later approved and funded will be issued a gift card and/or promotional rates. Home Depot is a registered trademark of Home Depot Product Authority, LLC, and is not a sponsor of this promotion and is not affiliated with HealthCare Associates Credit Union, nor does it endorse, approve or have any responsibility for this promotion.

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