BECOME A MEMBER
LOGIN
SEARCH

JOIN

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
Help

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

web_art_header

No more digging for change–let your home give you a great rate and a gift card!​*

  • Need up to $30,000? We'll give you a $150 Gift Card.
  • Need $30,001 or more? We'll give you a $250 Gift Card.

​Choose which loan or line of credit best fits your needs and apply during this special! 

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

APPLY NOW

 

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

APPLY NOW

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

APPLY NOW


*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 hacu.org or call our loan department for additional information.  Additional disclosures will be sent after application is received, please retain a copy for your records. 

*September and October Special Home Equity Loans, Home Equity Lines of Credit and Home Stretch Mortgage applied for during the promotional period of September 1 through October 31, 2019, later approved and funded will qualify for a gift card. A $250 Gift Card will be awarded to each qualifying Home Equity Loan/Line of Credit or Home Stretch Mortgage of $30,001 or more and a $150 Gift Card for those of $30,000 or less. Home equity loans/line and Home Stretch Mortgages currently financed with HACU do not qualify for the promotion. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral. Property insurance is required. Home Equity Loans, Home Equity Lines of Credit and Home Stretch Mortgage, must be secured by owner occupied real estate, in IL, IN, MO and WI. Minimum $5,000 to open a Home Equity Loan or Line of Credit. Minimum Loan/Line amount of $25,000 in new money to avoid closing costs. If you should close your Home Equity Line of credit within 24 months, you must reimburse HACU for bona-fide third party fees up to $700. Refer to hacu.org or call our loan department for additional information. Additional disclosures will be sent after application is received, please retain a copy for your records.

 

PayIT40_button

 
HOME EQUITY
*% 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: