Consumer Loan Rates
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 Now
Or call 800.362.3944 during normal business hours.
Vehicle Loans
Rates as of April 1, 2020 and are subject to change without notice.| New & Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2011 and newer) | APR as low as** |
|---|---|
| Up To 36 months | 3.74% |
| 37 - 60 months | 3.99% |
| 61 - 72 months | 4.49% |
| 73 to 84 months or greater (Min. $20,000) | 5.24% |
| Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2010 and older) | |
| Up to 60 months | 5.99% |
| Recreational Vehicles: Snowmobiles - ATVs - Campers | |
| up to 36 months | 3.74% |
| 37 - 60 months | 3.99% |
| 61 to 72 months (Min. $20,000) | 4.49% |
Personal Loans
| Kwik Cash Line of Credit | APR |
|---|---|
| Revolving *** | 14.25% |
| Personal Loans | APR as low as** |
| Up To 60 mos.** | 5.99% |
Heartland Credit Cards
| MasterCard*** | Annual Fee | APR as low as** |
|---|---|---|
| Heartland MasterCard | $0 | 9.75% |
Additional Loans
| Home Mortgage Loans • Click here for more information |
| Home Equity Loans • Click here for more information |
| Business Loans • Click here for more information |
| Agriculture Loans • Click here for more information |
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.
*APR = Annual Percentage Rate. Autos and light trucks only. Must be titled as a 2020 or newer. No cash out. Purchase or refinance only. Estimated monthly payment example = $29.08 per $1,000 (payment example is based on 2.99% APR and a term of 36 months) or $29.52 per $1,000 (payment example is based on 3.99% APR and a term of 36 months). Certain other creditworthiness criteria apply. This promotion may end at any time.
**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.