When applying for a Home Equity Loan, please provide the following: 

• Proof of income (pay stubs for the last 30 days, 2 years W2 or 1040s) 

• Proof of Homeowner's Insurance (policy declaration page) 

• If you have a first mortgage, your most recent statement 

• A copy of your tax bill 

Additional information may be required. 

Home Equity Line of Credits (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 billing period is from June 3 to July 2. The payment is cycled at end of business on July 2, with the payment due by end of business on August 1 (the next cycle is July 3 to August 2). If the payment due on August 1 is not paid before the cycle on August 2, the billing notice will show two payments due with one of them past due. This assumes no partial payments were made. 

There are multiple ways to find out your payment amount and due date. You will receive a loan 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. Billing notices can be received electronically if the member has opted in for electronic statements/notices. The amount due and next due date can also be verified by viewing your account online through Digital Banking or contact us. 

You can send, request, or receive money with Zelle^®. To get started, log into Landmark Credit Union's mobile app. On your dashboard tap the 'More' menu at the bottom then tap 'Transfer & Pay' -> Zelle^®.

To send money using Zelle^®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile number), add the amount you'd like to send and an optional note, review, then hit 'Send'. The recipient will receive an email or text message notification via the method they used to enroll with Zelle^®. Money is available to your recipient in minutes if they are already enrolled with Zelle^®.

To request money using Zelle^®, choose 'Request', select the individual from whom you'd like to request money, enter the amount you'd like, include an optional note, review and hit 'Request'. If the person you are requesting money from is not yet enrolled with Zelle^®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle^®. If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your Landmark Credit Union account, typically within minutes.

If someone sent you money with Zelle^® and you have not yet enrolled with Zelle^®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.


2. Select Landmark Credit Union.


3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle^® using that email address or U.S. mobile number to ensure you receive your money.

Your email address or U.S. mobile number may already be enrolled with Zelle^® at another bank or credit union. If you would like to move your email address or U.S. mobile number from the financial institution where you initially enrolled with Zelle^®, simply click 'Transfer' when prompted during the Zelle^® enrollment process and confirm your desired changes.

Once you transfer your email address or U.S. mobile number, it will be connected to your account at the financial institution you selected and you can start sending and receiving money with Zelle^® right away.

Keeping your money and information safe is a top priority for Landmark Credit Union. When you use Zelle^® within our mobile app, your information is protected with the same technology we use to keep your Landmark Credit Union account safe.