Everyone wants to save money where they can

*APR is Annual Percentage Rate. Offer ends February 28, 2026. Non-promotional current rates will be applied to all purchases and cash advances. As of January 1, 2026 the APR is as low as 12.00% and as high as 18.00%. Your actual rate is based on credit history. This APR is variable based on the current Prime Rate, 7.00% as of November 1, 2025. Payments shall be applied to the balance with the highest interest rate first. Offer applies only to consumer credit cards, business credit cards do not qualify. Normal credit granting standards apply.
**After the introductory period, non-promotional current rates (stated above) apply. By accepting this offer, you authorize us to obtain credit reports and make any inquiries deemed appropriate and to tell others about our credit experience with you. Verification of income and other information or supporting documentation may be required to complete application processing. Visit www.heartlandcu.org to verify rates, terms and fees. This offer cannot be used to pay off another Heartland Credit Union loan. A 2% balance transfer fee applies (minimum $10). Federally insured by NCUA.

*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.

*Up to $1,000 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. Closing cost credit cannot exceed the actual amount of closing costs, prepaids, and escrow reserves. Seller credits will be applied first. Credit will be applied at closing and appear on closing disclosure.  The $1000 credit is valid for applications received before December 31, 2026, and closing by January 31, 2027. Offer cannot be combined with any other offers and subject to change without notice.