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Heartland Credit Union Loan and Savings Rates

Savings Rates

Certificates: Regular / IRA / Education

Rates effective as of: April 25, 2024

*APY is annual percentage yield. Savings rates can change without notice. Fees may reduce earnings. Can choose an IRA/Roth/SEP/Coverdell certificate. Certificates rates are fixed for the term when the account is opened. For special rate certificate: 14 month certificates will auto renew for subsequent 12 month terms. Please review our Account Disclosure for terms and conditions. Certificates may have early withdrawal penalties.

Health Savings Account

Rates effective as of: April 25, 2024

*APY is annual percentage yield. Savings rates can change without notice. Please review our Account Disclosure for terms and conditions.

Heartland Money Market

Rates effective as of: April 25, 2024

*APY is annual percentage yield. Savings rates can change without notice. Please review our Account Disclosure for terms and conditions.

Platinum Money Manager

Rates effective as of: April 25, 2024

*APY is annual percentage yield. Savings rates can change without notice. Please review our Account Disclosure for terms and conditions.

Other Savings Program

Rates effective as of: April 25, 2024

*APY is Annual Percentage Yield. Savings rates can change without notice. Please review our Account Disclosure for terms and conditions.

Loan Rates

Home Equity Loan Rates

*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 July 26, 2023, is 8.50%. HELOC rates currently range between 7.99% - 16.49%. 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 September 1, 2023.

Mortgage Rates

Rates effective as of: April 25, 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

Personal Loan Rates

Rates effective as of: April 25, 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 July 26, 2023, is 8.50%. 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.

New Car, Trucks, Motorcycles, Boats, and Motor Homes (2023 and newer) Rates

Rates effective as of: April 25, 2024

*APR is the Annual Percentage Rate. New (2023 and newer) vehicle rates range between 5.74% - 21.74% 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 = $30.30 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 (2015 to 2022) Rates

Rates effective as of: April 25, 2024

*APR is the Annual Percentage Rate. Used vehicle (2015-2022) rates range between 6.24% - 23.49% 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 = $36.09 per $1,000 (payment example is based on 6.24% APR and a term of 36 months).

Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2014 and older) Rates

Rates effective as of: April 25, 2024

*APR is the Annual Percentage Rate. Older (2014 and older) used vehicle rates range between 11.49% - 22.49% 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 (2015 and newer) Rates

Rates effective as of: April 25, 2024

*APR is the Annual Percentage Rate. Recreational Vehicle Rates 7.49% – 22.99% 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).