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 are subject to change without notice.

Dividend Checking
  Minimum to Earn Dividends Rate APY
  $1,500 0.15% 0.15%
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%
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%
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 0.50% 0.50%
12 Month Add-On $250 0.45% 0.45%
18 Month $500 0.55% 0.55%
18 Month Bump Rate                               Special $500 1.00% 1.00%
24 Month $500 0.60% 0.60%
30 Month $500 0.65% 0.65%
30 Month Bump Rate                               Special $500 1.19% 1.20%
36 Month $500 1.00% 1.00%
48 Month $500 1.10% 1.10%
60 Month $500 1.49% 1.50%
You can choose a check/transfer option for any of our certificates.
Other Savings Programs
  Minimum to Earn Dividends Rate APY*
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%
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%

Open an HSA
 


Truth-In-Savings Disclosure


Rates can change without notice. Fees may reduce earnings. For any fees and charges that may be assessed against your account, refer to the Fee Schedule. 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.

The Heartland Credit Union Home Equity Line of Credit Special has been extended.  Open a new HELOC and transfer a current HELOC balance at an introductory rate of 1.99% APR for the first 6 months.  Some restrictions apply.

Apply for a loan!

Or call 800.362.3944 during normal business hours.

GM Credit Union Discount

Rates as of January 20, 2016 and are subject to change without notice.

Vehicle Loans
New Car, Trucks, Motorcycles,  Boats, and Motor Homes (2014 and newer) APR as low as*
Up To 48 months 2.24%
49 - 60 months 2.49%
61 - 72 months 2.99%
73 - 84 months (Min. $15,000) 3.74%
Used Car, Trucks, Motorcycles, Boats, and Motor Homes
2009 - 2013:  Up to 48 months 2.99%
2009 - 2013: 49- 60 months 3.24%
2009 - 2013: 61 - 72 months (Min. $20,000) 3.74%
2008 and Older: Up To 60 months 3.74%
Recreational Vehicles:  Snowmobiles - ATVs - Campers
up to 60 months 5.74%
61 - 72 months 6.74%
Home Equity Loans
Second Mortgages: 5-year APR as low as*
up to 80% LTV 3.74%
81 - 90% LTV 4.74%
91 - 100% LTV 6.74%
Second Mortgages: 10-year (15-year rates available)  
up to 80% LTV 4.74%
81-90% LTV 5.49%
91-100% LTV 6.49%
Home Equity Line of Credit Loans**
Up To 80% LTV 3.99%
81 - 90% LTV 4.49%
91 - 100% LTV 6.99%
Personal Loans
Kwik Cash Line of Credit APR as low as*
Revolving ** 15.00%
Personal Loans
Up To 60 mos. * 9.49%
Heartland Credit Cards
MasterCard** Annual Fee APR
Gold--As Low As $0 8.50%
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 3.50%. 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.

After the six-month introductory period the rate will revert to the Prime Rate as published in the Wall Street Journal plus or minus a margin, or the floor rate of 3.99%, whichever is higher. Your actual rate will be based upon your creditworthiness and loan-to value (LTV). Prime rate as of 12/28/2015 is 3.50%. Maximum LTV is 100%. Property insurance required. Existing Home Equity Lines of Credit are not eligible for the introductory rate. No or low closing costs for new HELOC only. Appraisal fee and title insurance, if required, is an additional charge.

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.