Limited-Time Refinance Offer

Your Loan Should Pay You Back

Refinance your vehicle or recreational vehicle loan with Heartland Credit Union and earn 1% cash back — up to $200.* Plus, you can enjoy competitive rates, trusted local service, and a fast, simple application process.

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Benefits of Refinancing

Whether you’re looking to lower your payment or take advantage of better rates, refinancing with Heartland Credit Union can help you save more this summer.

Competitive rates

Fast, easy online applications

Up to $200 cash back*

Local service you can trust

*1% cash back rebate offer valid when refinancing a vehicle or recreational vehicle loan held by another lender with Heartland Credit Union (HCU). Rebate will be 1% of the total amount financed. Maximum cash back rebate is $200 per vehicle loan refinanced. Minimum loan amount is $5,000. Existing HCU loans are not eligible for the rebate promotion. Rebate will be deposited into member’s HCU account within 30 days of the loan funding. Normal account opening and credit granting standards apply. Your actual loan rate will be based on credit history and loan terms. Offer not valid with any other promotion. Promotion begins June 1, 2026 and the credit union reserves the right to cancel this offer at any time. Federally insured by NCUA.

Today's auto loan rates

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Regular rate 36 months

As low as

% APR*

Regular rate for 60 months

As low as

% APR*

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Rates

New Car, Trucks, Motorcycles, Boats, and Motor Homes (2025 and newer) Rates

Up to 36 months

37 - 60 months

61 - 72 months (Min. $20,000)

73 months or greater (Min. $30,000)

Rates effective as of: June 1, 2026

*APR is the Annual Percentage Rate. REGULAR, NON-PROMOTIONAL car, truck, motorcycle, boat, and motor home rates range between: % – % (2025 and newer), % – % (2024 – 2017), % – % (2016 - 2011), % – % (2010 and older), and % – % (other recreation vehicles 2017 and newer) 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 lowest monthly payment examples = (2025 and newer), (2024 – 2017), (2016 – 2011), (2010 and older), (other recreation vehicles 2017 and newer), per $1,000 for 36 months.

Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 to 2017) Rates

Up to 36 months

37 - 60 months

61 - 72 months (Min. $20,000)

73 months or greater (Min. $30,000)

Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2016 to 2011) Rates

Up to 36 months

37 - 60 months

61 - 72 months (Min. $20,000)

73 months or greater (Min. $30,000)

Rates effective as of: June 1, 2026

Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2010 and older) Rates

Up to 60 months

Recreational Vehicles: Snowmobiles | ATVs | Campers (2017 and newer) Rates

Up to 36 months

37 - 60 months

61 - 72 months (Min. $20,000)

73 months or greater (Min. $30,000)

Rates effective as of: June 1, 2026