Everyone wants to save money where they can

*Interest will accrue during 90-day no payment period. Your first payment(s) could be applied to interest only based on the amount owed and rate at the time of loan. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat and recreational vehicle loan rates range from 5.74% – 23.49% Annual Percentage Rate (APR) as of April 1, 2024. Your rate will be based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility.

*APY is Annual Percentage Rate. When a debit purchase is made with a Heartland debit card, the transaction is rounded up to the nearest dollar, and the increased amount is then transferred to the Round Up Savings account. For example, a $1.75 charge will result in a $0.25 transfer (if no other transactions post on the same day.) Posting amounts ending in .00, round up a full dollar. For example, a $10.00 charge will result in a $1.00 transfer (if no other transactions post on the same day.)  Round up transfers will be made for signature-based purchases, PIN based POS purchases, and online purchases/transactions. One transfer of all calculated funds will be made each day. Round up transfers will not cause the account to post a negative balance or post below available funds. Partial transfers may be allowed.  There will be no catch-up transfers. If the transfer can’t happen on Monday then Monday’s transactions never get rounded up. If there is money again on Tuesday then Tuesday’s transactions will round up. Heartland reserves the right to cancel or modify the Round Up Savings Program at any time. You may un-enroll from this program by calling us at 1-800-362-3944, emailing us at ebranch@heartlandcu.org, or by visiting one of our branches.

$500 closing cost credit available for first time home buyers. A first time home buyer is anyone who is purchasing the property, will reside in the property as a principal residence and has had no ownership interest in a residential property (sole or joint) during the three-year period preceding the date of closing. WHEDA, investment property, construction loans, second mortgages and lines of credit excluded from offer. $500 closing cost credit cannot exceed the actual amount of closing costs, prepaids and escrow reserves. Credit will be applied at closing and appear on closing disclosure. Offer cannot be combined with any other offers and subject to change without notice.