Home Equity Loans - Lending | IAA Credit Union

Home Equity Line of Credit

Whether your basement requires extensive repairs or you're eager to modernize a kitchen stuck in a bygone era, a home equity line of credit (HELOC) provides the financial support for your project

Utilize a HELOC for:

Home Remodel
Unwanted Credit Card Debt
Financing Your Child’s Education
And more!

What is a Home Equity Line of Credit?

Access available funds at any time
Rates start as low as .25% under prime
No annual fee!
Interest-only payment option*
Advances are available via check, online banking, or through one of our branches

*available upon approval

Start an application.

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Here are our featured HELOC rates.

*Annual Percentage Rate

**80% and 90% Home Equity Line rates are variable rate based on prime that change monthly. 80% LTV lines are Prime -.25% 90% LTV lines are Prime + 1.00% LTV = Loan to Value

Justin is awesome to work with he got my loan done in less than 24 hrs.

Hank R; Eagle Point, OR
The Credit Union has always been an invaluable resource to our family. It is one of my favorite aspects of being a COUNTRY Financial employee.

Samantha; Downs, IL
The staff at IAACU has been absolutely the best.

Nicole; Princeton, IL
Justin is so wonderful to work with. He is friendly, quick, and incredibly helpful! I will never go anywhere else for my banking or lending needs.

Taylor R; Bloomington, IL
Brian was extremely helpful and did a great job processing this quickly! He informed me of options available to me and was very clear with everything! My wife and I greatly appreciate it!

Raymond K; Tinley Park
IAA Credit Union (IAACU) commercial lending and services have been a great partner for Ropp Jersey Cheese. We have worked with David Warren and their commercial lending staff on a number of financial tools to help our business navigate and grow through the economic craziness of the past 4 years. Unlike dealing with larger lending institutions, IAACU is able to have a much more personalized service approach in strategizing our business needs as well as prompt decision-making and follow-through.

Ken R., Normal, IL
David Warren and the Commercial Loan Team are great to do business with. As a Financial Representative, and now Financial Advisor for COUNTRY Financial for the last 10 years, they have helped me with loans. Even though I live in Georgia, they are easier to deal with than a local bank or credit union. I feel like they are part of our team at COUNTRY Financial and I am glad that I have them as a resource.

Shawn B., Warner Robins, GA
Always friendly and caring staff. Love IAACU!

Dawn; Clinton
David and his team were professional and courteous a pleasure to do business with!

George; Wheaton, IL
Brian made everything easy, thank you for the help!

Reina H; Neoga
Justin is always so pleasant & easy to work with!! He is always friendly, professional & offers great advice.

Stefani; Oakforest
Very fortunate to have worked with IAA Credit Union staff to purchase my office building. They were very helpful and made the process easy. What attracted me to go with them was the fact that the closing fees were a lot lower than your regular lenders and the service and flexibility were amazing. David was very helpful with his guidance and direction. He took the time to drive from Bloomington to Woodstock to see the building. I love my new place!! Thank you, IAA for making this possible.

Rosa L., Woodstock, IL
Always a pleasure to do business with Brian.

Ron; Plainfield
You guys are great! So easy; quick answers, and honest about what is available. Thank you!

Gina
The loan process experience has been great for us every time we have used IAACU. We appreciate the friendly, professional staff and especially the ease of setting up our payments with this credit union.

Derek S; Normal, IL
Highly recommend IAA Credit Union if you’re considering financing or refinancing your car(s). I just refinanced my 2 vehicles with IAA and I shaved so much time off of our original loans while only adding a few extra dollars onto our monthly payments. Noah was timely, helpful with answers to questions, and made the process super easy!
Paige A., Bloomington, IL
YOU AND YOUR COUNTRY CLIENTS have access to David Warren and IAA Credit Union Commercial Loans! As an Agent/Rep, this is a differentiator for your business! I have my loans through IAA and never found a company more competitive or easier to do business with! David and I have worked together on loans for over 12 years. I highly recommend you give him a call for all your Commercial Loan needs!

Jon V., Bloomington, IL
I appreciate Brian's quick help and assistance! Great customer service!

Debbira; Normal, IL
In an increasingly impersonal world, IAACU’s lending team demonstrated genuine care for my financing needs. David was able to creatively construct my loan with no collateral, at below market rate! I’m grateful to have their ongoing services as my business continues to expand.

Trey B., Medford, OR
Have used IAA CU for years!! Always a simple process and every loan officer has been a dream to work with! Thank you!!!

Diana; McLean