Loan Rates
| Product | Term | APR* as low as |
|---|---|---|
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Home Equity Line of Credit |
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Second Mortgage Fixed |
Up to |
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*APR is Annual Percentage Rate. Home equity line of credit (HELOC) rates are variable and tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of September 18, 2024, is 8.00%. HELOC rates currently range between 7.49% - 15.99%. Rates are subject to change but will never go above 18.00% APR or below the floor rate of 3.99% APR. Closed-end second mortgage rates are fixed for the life of the loan and currently range between 6.49% - 10.24%. Your actual rate will be based on your creditworthiness and loan-to-value (LTV). Maximum LTV is 100%. Property insurance is required. Appraisal fee and title insurance, if required, is an additional charge. Closing cost fees generally range from $0.00 to $600.00. Fees that may apply: appraisal or property valuation, title report, flood determination, tax servicing, and filing fees. Rates are accurate as of October 1, 2024.
| Product | Rate | APR |
|---|---|---|
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30 Year Fixed |
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20 Year Fixed |
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15 Year Fixed |
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10 Year Fixed |
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5 YR HCU ARM |
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7 YR HCU ARM |
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10 YR HCU ARM |
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WHEDA First Time Home Buyer <=80% AMI |
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WHEDA First Time Home Buyer >80% AMI |
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WHEDA Preferred <=80% AMI |
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WHEDA Preferred >80% AMI |
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HomeReady 30 YR Fixed |
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Rates effective as of: November 21, 2024
APR is Annual Percentage Rate. Rates are subject to change without notice. For adjustable rate loans, payment, rate and APR may increase after loan consummation. Contact us for details. Display rates assume a $150,000 loan amount and a $250,000 value (40% net equity), minimum credit score of 740, single family owner occupied Wisconsin property. This page is for informational purposes only. Credit score, loan purpose, property type, occupancy status, loan to value, loan amount and debt to income can affect rates and fees. Always get an official Loan Estimate before choosing a loan. Heartland Credit Union NMLS 421437
| Term | APR as low as* |
|---|---|
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Up to 36 months |
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37 - 60 months |
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61 - 72 months (Min. $20,000) |
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73 months or greater (Min. $30,000) |
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Rates effective as of: November 21, 2024
*APR is the Annual Percentage Rate. New (2023 and newer) vehicle rates range between 5.24% - 17.49% APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated monthly payment example = $30.08 per $1,000 (payment example is based on 5.24% APR and a term of 36 months).
| Product | Term | APR as low as* |
|---|---|---|
|
Kwik Cash Line of Credit |
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Personal Loans |
Up to |
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Rates effective as of: November 21, 2024
*APR is Annual Percentage Rate. Unsecured personal loan rates range between 11.49% - 22.49%. Rates and terms are subject to change and are based on market conditions and borrower eligibility. Normal lending policies apply. Estimated monthly payment example = $32.97 per $1,000 (payment example is based on 11.49% APR and a term of 36 months). **Kwik Cash has a variable rate that is tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of September 18, 2024, is 8.00%. Kwik Cash rate is currently Prime + 11.50% with the highest rate being 18.00%. See Heartland for more information including different rates and some fees.
| Term | APR as low as* |
|---|---|
|
Up to 36 months |
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37 - 60 months |
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61 - 72 months (Min. $20,000) |
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73 months or greater (Min. $30,000) |
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Rates effective as of: November 21, 2024
*APR is the Annual Percentage Rate. Recreational Vehicle Rates 7.49% – 19.99% APR. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated monthly payment example = $31.10 per $1,000 (payment example is based on 7.49% APR and a term of 36 months).
| Term | APR as low as* |
|---|---|
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Up to |
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Rates effective as of: November 21, 2024
*APR is the Annual Percentage Rate. Older (2014 and older) used vehicle rates range between 11.49% - 20.49% APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated monthly payment example = $38.51 per $1,000 (payment example is based on 11.49% APR and a term of 36 months).
| Term | APR as low as* |
|---|---|
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Up to 36 months |
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37 - 60 months |
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61 - 72 months (Min. $20,000) |
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73 months or greater (Min. $30,000) |
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Rates effective as of: November 21, 2024
*APR is the Annual Percentage Rate. Used vehicle (2015-2022) rates range between 5.74% - 18.99% APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated monthly payment example = $30.47 per $1,000 (payment example is based on 5.74% APR and a term of 36 months).
Rates
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2022 and newer)
| Term | APR as low as* |
|---|---|
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Up to 36 months |
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37 - 60 months |
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61 - 72 months (Min. $20,000) |
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73 months or greater (Min. $30,000) |
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Rates effective as of: November 21, 2024
*APR is the Annual Percentage Rate. New (2023 and newer) vehicle rates range between 5.24% - 17.49% APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated monthly payment example = $30.08 per $1,000 (payment example is based on 5.24% APR and a term of 36 months).
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2014 to 2021)
| Term | APR as low as* |
|---|---|
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Up to 36 months |
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37 - 60 months |
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61 - 72 months (Min. $20,000) |
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73 months or greater (Min. $30,000) |
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Rates effective as of: November 21, 2024
*APR is the Annual Percentage Rate. Used vehicle (2015-2022) rates range between 5.74% - 18.99% APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated monthly payment example = $30.47 per $1,000 (payment example is based on 5.74% APR and a term of 36 months).
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2013 and older)
| Term | APR as low as* |
|---|---|
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Up to |
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Rates effective as of: November 21, 2024
*APR is the Annual Percentage Rate. Older (2014 and older) used vehicle rates range between 11.49% - 20.49% APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated monthly payment example = $38.51 per $1,000 (payment example is based on 11.49% APR and a term of 36 months).
Recreational Vehicles: Snowmobiles | ATVs | Campers (2014 and newer)
| Term | APR as low as* |
|---|---|
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Up to 36 months |
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37 - 60 months |
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61 - 72 months (Min. $20,000) |
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73 months or greater (Min. $30,000) |
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Rates effective as of: November 21, 2024
*APR is the Annual Percentage Rate. Recreational Vehicle Rates 7.49% – 19.99% APR. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated monthly payment example = $31.10 per $1,000 (payment example is based on 7.49% APR and a term of 36 months).
Personal Loans
| Product | Term | APR as low as* |
|---|---|---|
|
Kwik Cash Line of Credit |
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Personal Loans |
Up to |
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Rates effective as of: November 21, 2024
*APR is Annual Percentage Rate. Unsecured personal loan rates range between 11.49% - 22.49%. Rates and terms are subject to change and are based on market conditions and borrower eligibility. Normal lending policies apply. Estimated monthly payment example = $32.97 per $1,000 (payment example is based on 11.49% APR and a term of 36 months). **Kwik Cash has a variable rate that is tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of September 18, 2024, is 8.00%. Kwik Cash rate is currently Prime + 11.50% with the highest rate being 18.00%. See Heartland for more information including different rates and some fees.
Heartland Credit Cards
| Product | APR* as low as |
|---|---|
|
Mastercard |
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*APR is Annual Percentage Rate. Non-promotional current rates will be applied to all purchases and cash advances. This is a variable rate program. APRs are tied to the Prime Rate as published in the Wall Street Journal (8.00% as of September 18, 2024), plus or minus a margin, and could be as low as 13.50% or as high as 18.00%. Your actual rate is based on credit history. Payments shall be applied to the balance with the highest interest rate first.
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