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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 January 1, 2018 and are subject to change without notice.
New & Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2008 and newer)APR as low as*
Up To 36 months2.49%
37 - 60 months2.74%
61 - 72 months3.24%
73 to 84 months or greater (Min. $20,000)3.99%
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2007 and older)
Up to 60 months8.99%
Recreational Vehicles: Snowmobiles - ATVs - Campers
up to 36 months5.49%
37 - 60 months5.74%
61 to 72 months (Min. $20,000)6.24%

Personal Loans

Kwik Cash Line of CreditAPR as low as*
Revolving **16.00%
Personal Loans
Up To 60 mos. *8.99%

Heartland Credit Cards

MasterCard**Annual FeeAPR
As Low As$09.25%

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
*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 4.50%. See Heartland for more information including different rates & some fees.

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.

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