Whatever your dreams are, Heartland Credit Union can help you plan and save for them.
Use our calculators to find out how fast your money can grow.

Rates as of October 4, 2013 and are subject to change without notice.

Go Local Checking
  Minimum to Earn Dividends Rate APY
Learn more about the checking account that fights hunger. $0 0.20% 0.20%
  Truth in Savings - Checking    
Rewards Checking
  Minimum to Earn Dividends Rate APY
4 Requirements Met Up to $25,000 1.98% 2.00%
  $25,001 and more 0.20% 0.20%
4 Requirements Not Met $.01 and more 0.10% 0.10%
  Truth in Savings - Checking    
Platinum Money Manager
  Minimum to Earn Dividends Rate APY*
Platinum Money Manager up to $24,999 0.10% 0.10%
Platinum Money Manager  $25,000 - $49,999 0.20% 0.20%
Platinum Money Manager $50,000 - $99,999 0.25% 0.25%
Platinum Money Manager  $100,000 - $199,999 0.30% 0.30%
Platinum Money Manager  $200,000 - $499,999 0.35% 0.35%
Platinum Money Manager  $500,000 and more 0.40% 0.40%
  Truth in Savings - Savings    
Gold Money Manager
  Minimum to Earn Dividends Rate APY*
Savings/Retirement/Education $2,000 - $4,999 0.08% 0.08%
Savings/Retirement/Education $5000 - $9,999 0.10% 0.10%
Savings/Retirement/Education $10,000 - $14,999 0.13% 0.13%
Savings/Retirement/Education $15,000 - $24,999 0.15% 0.15%
Savings/Retirement/Education $25,000 - $49,999 0.20% 0.20%
Savings/Retirement/Education $50,000 and more 0.25% 0.25%
  Truth in Savings - Savings    
Regular/IRA/Education Certificates
  Minimum to Earn Dividends Rate APY*
3 Month $500 0.15% 0.15%
6 Month $500 0.25% 0.25%
12 Month $500 0.30% 0.30%
12 Months Add-On $250 0.25% 0.25%
13 Month Special $500 0.80% 0.80%
18 months $500 0.45% 0.45%
24 months $500 0.55% 0.55%
30 months $500 0.60% 0.60%
36 months $500 1.050% 1.05%
48 months $500 1.100% 1.10%
60 months $500 1.29% 1.30%
You can choose a check/transfer option for any of our certificates.  Truth in Savings - Certificates    
Other Savings Programs
  Minimum to Earn Dividends Rate APY*
Regular Membership Savings $100 0.10% 0.10%
Special Purpose Savings $100 0.10% 0.10%
IRA/Education Savings $100 0.15% 0.15%
Business Checking $10,000 0.05% 0.05%
  Truth in Savings - Checking
Truth in Savings - Savings
   
Health Savings Account
  Minimum to Earn Dividends Rate APY*
Health Savings Account $250 - $2,499 0.10% 0.10%
Health Savings Account $2,500 - $4,999 0.12% 0.12%
Health Savings Account  $5,000 - $14,999 0.18% 0.18%
Health Savings Account $15,000 + 0.20% 0.20%
  Truth in Savings - Checking    

Open an HSA

Rates can change without notice. Fees may reduce earnings. Loyalty Points cannot be used with any rate specials.
Can choose an IRA/ROTH/SEP/Coverdell certificate. APY is annual percentage yield. Certificates rates are fixed for the term when the account is opened. Please review our Account Disclosure for terms and conditions. Certificates may have early withdrawal penalties.

Regulation D information, including how many savings withdrawals are permitted per month.

Credit card balance transfer is back! For a limited time, transfer the balances from your other cards to a Heartland Credit Union MasterCard at a 3.90% APR for 6 months!  No balance transfer fees!  Some restrictions apply.

Apply for a loan!

Or call 800.362.3944 during normal business hours.

 

GM Credit Union Discount

Rates as of January 2nd, 2014 and are subject to change without notice.

Vehicle Loans
New Car, Trucks, Motorcycles,  Boats, and Motor Homes (2012 and newer) APR as low as*
Up To 48 months 1.99%
49 - 72 months 2.74%
73 - 84 months (Min. $15,000) 3.74%
Used Car, Trucks, Motorcycles, Boats, and Motor Homes
2007 - 2011: Up To 60 months 2.99%
2007 - 2011: 61 - 72 months (Min. $20,000) 3.49%
2006 and Older: Up To 60 months 4.99%
Recreational Vehicles:  Snowmobiles - ATVs - Campers
up to 60 months 5.74%
61 - 72 months 6.74%
Home Equity Loans
Second Mortgages 7-year Balloon Loan Rates APR as low as*
up to 80% LTV 5.99%
81 - 90% LTV 6.99%
91 - 100% LTV 9.00%
Second Mortgages: 10-year (15-year rates available)  
up to 80% LTV 6.49%
81-90% LTV 7.24%
91-100% LTV 9.50%
Home Equity Loans**
Up To 80% LTV 4.99%
81 - 90% LTV 5.75%
91 - 100% LTV 7.99%
Personal Loans
Kwik Cash Line of Credit APR as low as*
Revolving ** 14.75%
Personal Loans
Up To 60 mos. * 8.99%
Heartland Credit Cards
MasterCard** Annual Fee APR
Gold--As Low As $0 8.25%
Additional Loans
Home Loans Click here for more information
Business Loans Click here for more information
Agriculture Loans Click here for more information

*All rates are based on credit history and other services you use. Please see an associate for details. Annual percentage rate (APR) can change at any time without notice. Normal lending policies apply.

**Variable rate programs based on prime, currently at 3.25%. See Heartland for more information including different rates & some fees.

***For loans of $30,000 or more, maximum term 180 months, variable rate only. 1) HELOC floor is 4.50%APR. Internal use only. See HCU for full disclosure. Example: A new auto loan at 3.99% apr for 60 months would be $18.41 per $1,000 borrowed includes single disability and joint life payment protection. Normal lending policies apply.

Home Equity Loans/Second Mortgages: Individual rate is also based on credit history. Property insurance required. Fees that may apply: appraisal or property valuation if current tax bill is not used, title report, flood determination and filing fees. Closing costs range from $63.00 to $300.00. HELOC: The annual percentage rate(APR)is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. The APR can change on the first day of the billing cycle. The maximum APR that can apply is 18%. the floor is 4.50%. The variable rate program has a 5-year draw period.

Debt Counseling

Established in 1961, Consumer Credit Counseling Centers, Inc. (CCCC) is a nonprofit agency that provides free counseling and low-cost debt management programs to people experiencing financial difficulties. Contact them at 608.221.2811.

Agricultural Loans

Please call our agricultural lenders at 800.362.3944 for up-to-date loan rates and specialized programs.

Business Loans

Click here for our Business Loan options/programs.