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.

Forgot Username?
Forgot Password?
Routing Number: 271992183

Helpful Tip

If you need help or have questions regarding your login credentials, please contact us at 800.942.0158 or 630.276.5555.


Home Equity


Child's Pose is often used as a resting position in between more difficult poses.  Home ownership and finances can be stressful, let's make home ownership as easy as child's play through Yogi Challenge #5

Click here to see our special home offer

Home Equity Loans & Line of Credit

Let your home do the work for a change

The equity in your home can help you pay a lower interest rate for your projects and expenses. Choose a home equity loan for a lump-sum payment or a home equity line of credit to take out money as you need it.

A home equity loan or line of credit can help you finance current or upcoming expenses, such as home projects, debt consolidation, education expenses, medical costs and new car financing.

Home Equity Line of Credit (HELOC)

Low rates, no closing costs*, no annual fee and no application fee*.  With this loan, you can borrow up to 85% of your home's value. Credit limits from $5,000 to a generous $500,000 so you'll have the resources you need, when you need them. Advantages include:

  • Low variable interest rates
  • No application fees* or closing costs* for loans of $25,000 or more
  • Owner-occupied residences in Illinois, Indiana, Wisconsin or Missouri



85% 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.

  • 5, 10 and 15 year terms
  • 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, Wisconsin or Missouri


100% Home Equity Loan

Borrow up to the full value of your home, less what you currently owe.

  • 5, 7 and 10 year terms
  • Loan amounts from $5,000 up to $40,000
  • Borrow up to 100% of your home's value, less mortgage debt
  • Owner-occupied residences in Illinois, Indiana, Wisconsin or Missouri



*Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral. Property insurance is required. Home Equity Loans and Home Equity Lines of Credit, must be secured by owner occupied real estate, in IL, IN, WI and MO. Minimum $5,000 to open a Home Equity Loan or Line of Credit.  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. 
*Mortgages, Home Equity Loans and Home Equity Lines of Credit applied for during the promotional period of September 1- October 31, 2018 and later approved and funded will qualify for a gift card. A $250 Gift Card will be awarded to each qualifying Mortgage, Home Equity Loan/Line of Credit of $30,001 or more and a $150 Gift Card for those of $30,000 or less. Reverse Mortgages are excluded from receiving a promotional gift card. Home loans currently financed with HACU do not qualify for the promotion. Some HACU real estate products are only available in IL, IN, MO and WI. For Contest Official Rules see a Member Service Representative or click hereMKT_YC5 HACU ©092018 
*% as low as based on prime
APR 4.75%*
View all loan rates

ATM & Branch Locator

Find a Branch or ATM Near You.
Find a Branch or ATM near You with the following search criteria: