HELOCs operate on a monthly billing cycle, similar to a credit card. The minimum payment is calculated at the beginning of each cycle, and that payment is due before the next cycle begins.

For example, let's say your due date is the first of the month, and we are in the month of March. The payment amount is calculated at the end of the business day on March 1, and that payment must be paid in full before the end of business day on April 1. At the end of the day on April 1, a new payment amount is calculated and that payment must be paid in full before the end of business day on May 1, and so on.

If a payment is not made on time, any unpaid amounts from the previous cycle are added to the current cycle's minimum payment amount. There are multiple ways to find out your payment amount and due date. You will receive a billing notice every month stating the minimum payment amount and when it is due. This will be mailed to you unless you are enrolled in eDocuments. The amount due and next due date can also be verified by viewing your account online through Digital Banking or by contacting us.

We do not have a system that would allow people to make contributions directly to accounts through a website. However, contributions can be made at any of our branches, through Zelle® ($500 limit) or by mailing to the following address:

Landmark Credit Union
P.O. Box 510870
New Berlin, WI 53151-0870

If mailing a contribution, please ensure you include the account number in the memo on the check or provide separate written instructions specifying where the check should be deposited. For our branch locations, please visit our branch locator page.

You can visit any of our branches to complete the documents needed to add or remove a beneficiary from an account. You can schedule a branch appointment for "Specialized Services" to do this, but it isn't required.

If you cannot remember who your current account beneficiary is, contact us.