Here to help
Life happens—and when it does, HCU is here to support you. Explore flexible options designed to ease financial stress and help you stay on track.
Support when you need it most
Whether you're facing an unexpected expense, reduced income, or a major life change, HCU offers personalized financial assistance to help you through tough times. Our team works with you one-on-one to find solutions that fit your situation so you can move forward with confidence.
Flexible options
We offer customized programs built around your needs—from payment relief to short-term solutions.
Local guidance
Talk with real people who listen. Our local experts help you review your situation and find the right support.
Quick response
Submit your request online and hear from our team promptly. We’re committed to helping you as soon as possible.
How we can help
Hardship deferrals – Needing loan payment relief due to job loss, divorce, sickness, injury, or a death in the family? We may be able to provide a no fee deferral with no interest collected.^ Interest will continue to accrue on the loan, but this could be just the break you need to get back on your feet. Not available on real estate loans.
Financial wellness assistance – We’re here to walk with you on your way to financial wellness.
- Personalized financial counseling – Meet one-on-one with one of our Member Solutions Specialists to discuss your situation and come up with a plan to fit your specific needs. We’re here to help you with budgeting and saving.
- Financial wellness checkups – Once you’re on the path to financial wellness, our work isn’t done. We’ll continue to work with you to help you reach your financial goals.
Loan options
Quick Assist Loan - Need a little extra cash this month? Get $500 with an easy 4‑month repayment term to help cover unexpected expenses without the stress.
- Must be an HCU member for a minimum of 90 days
- Loan amounts of $500
- Take up to 4 months to pay with no pre-payment penalty*
- Low $5 application fee*
Debt Consolidation – Combine multiple loans into one payment to make managing debt easier and find potential savings. By consolidating your debt, you may be able to lower your interest rate, allowing you to pay off debt faster.
- Signature loans
- Personal Lines of Credit
- Home Equity Lines of Credit
- Secured Personal Loans
Credit Builder Loan – Once you’re back on your feet, we can help establish an emergency fund and improve your credit with a Credit Builder Loan.
- Borrow between $500 and $3,000
- Flexible terms and competitive, fixed rates
- Loan funds are secured in a savings account and earn dividends for the term of the loan
- We’ll report your payment history to TransUnion and Experian credit bureaus**
- When the loan is paid in full, you will have access to the funds and the dividends you earned
To learn more about these programs, fill out the form and a friendly HCU staff member will contact you.
If you are unable to make your full payment or think you may be unable to in the coming months, contact us as soon as possible to discuss your options.
Community Resources
It’s important to know there is help available beyond HCU. There are community partners that provide a wide range of assistance from employment to food, to housing, and more. Visit 211 Kansas to learn more!
^Subject to underwriting approval.
*Subject to credit approval. $500 loan at 20.61% APR would require 4 monthly payments of $129.22. **Heartland Credit Union does not guarantee the impact of a Credit Builder Loan on a borrower's credit score. Failure to make timely loan payments may result in a negative impact.
Official Financial Wellness Partner Of Tiger Athletics
