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Online Banking 800.362.3944

Effective immediately, our Lancaster office will be closed on Saturdays until further notice. Our Monday-Friday hours will remain the same.

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.

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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 months3.74%
37 - 60 months3.99%
61 - 72 months4.49%
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 months5.99%
Recreational Vehicles: Snowmobiles - ATVs - Campers
up to 36 months3.74%
37 - 60 months3.99%
61 to 72 months (Min. $20,000)4.49%

Personal Loans

Kwik Cash Line of CreditAPR
Revolving ***14.25%
Personal LoansAPR as low as**
Up To 60 mos.**5.99%

Heartland Credit Cards

MasterCard***Annual FeeAPR as low as**
Heartland MasterCard$08.25%

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.


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