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 June 12, 2015 and are subject to change without notice.

Vehicle Loans
New Car, Trucks, Motorcycles,  Boats, and Motor Homes (2013 and newer) APR as low as*
Up To 48 months 2.24%
49 - 72 months 2.99%
73 - 84 months (Min. $15,000) 3.99%
Used Car, Trucks, Motorcycles, Boats, and Motor Homes
2008 - 2012: Up To 60 months 3.24%
2008 - 2012: 61 - 72 months (Min. $20,000) 3.74%
2007 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 3.99%
81 - 90% LTV 4.99%
91 - 100% LTV 7.99%
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 Line of Credit Loans**
Up To 80% LTV 4.50%
81 - 90% LTV 5.25%
91 - 100% LTV 7.50%
Personal Loans
Kwik Cash Line of Credit APR as low as*
Revolving ** 14.75%
Personal Loans
Up To 60 mos. * 9.49%
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.