We're here to help
Unexpected expense. Reduced income. A hard season. Whatever's going on, HCU has options, and a real person ready to walk through them with you.
Support when you need it most
Flexible options. Local guidance. Quick answers. Programs built around your situation, from real people who live here.
How we can help
Avoid the setback: Overdraft Protection.
Link a savings account or line of credit to your checking so a shortfall doesn't turn into a bounced payment. It's one less thing to worry about when money's tight.
Get payment relief: Hardship deferrals.
Job loss, illness, divorce, or a death in the family can throw off even the best plan. We may be able to defer a loan payment with no fee and no interest collected while you get back on your feet.* (Not available on real estate loans.)
Build a plan: Financial wellness assistance.
Sit down one-on-one with a Member Solutions Specialist to map out a plan for your specific situation. Once you're on track, we'll keep checking in as you work toward your 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. Consolidating may lower your interest rate so you can 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 you establish an emergency fund and improve your credit.
- 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'll have access to the funds and the dividends you earned
Ready to talk? Start here.
Fill this out and a real HCU team member will reach out.
If you're 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.
Still have questions?
Call 800.428.8472 Send us a message.
Resources to help you through it
A few articles worth reading if you're navigating a tight budget, a life change, or just want to plan ahead.
Paying down debt is saving
Debt can feel like a heavy burden, but the good news is that paying it down is a powerful step toward transforming your financial future.
Saving at any age
It’s never too late—or too early—to start saving. No matter your age or financial situation, every stage of life presents unique opportunities and challenges when it comes to building financial security.
Budgeting Basics: 6 Ways to create and stick to a budget plan
Budgets are like the New Year’s resolutions of personal finance. We all know we should have one and we all know it’s a fairly simple thing to follow—at least in theory.
Community Resources
It's important to know there's help available beyond HCU. Community partners across the region offer assistance with employment, food, 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
