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 is %. HELOC rates currently range between % - %. Rates are subject to change but will never go above % APR or below % APR. Closed-end second mortgage rates are fixed for the life of the loan and currently range between % – %. Your actual rate will be based on your creditworthiness and loan-to-value (LTV). Maximum LTV is %. 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 .

Rates effective as of: November 30, 2025

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

*APR is Annual Percentage Rate. Non-promotional current rates will be applied to all purchases and cash advances. This is a variable rate program. 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 is %, and could be as low as % 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.

Rates effective as of: November 30, 2025

*APR is Annual Percentage Rate. Unsecured personal loan rates range between 11.49% - 20.49%. 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 is %. 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.

*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: % – % (2024 and newer), % – % (2023 – 2016), % – % (2015 - 2010), % – % (2009 and older), and % – % (other recreation vehicles 2016 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 = (2024 and newer), (2023 – 2016), (2015 – 2010), (2009 and older), (other recreation vehicles 2016 and newer), per $1,000 for 36 months.

Rates effective as of: November 30, 2025

*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: % – % (2024 and newer), % – % (2023 – 2016), % – % (2015 - 2010), % – % (2009 and older), and % – % (other recreation vehicles 2016 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 = (2024 and newer), (2023 – 2016), (2015 – 2010), (2009 and older), (other recreation vehicles 2016 and newer), per $1,000 for 36 months.

Rates effective as of: November 30, 2025

*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: % – % (2024 and newer), % – % (2023 – 2016), % – % (2015 - 2010), % – % (2009 and older), and % – % (other recreation vehicles 2016 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 = (2024 and newer), (2023 – 2016), (2015 – 2010), (2009 and older), (other recreation vehicles 2016 and newer), per $1,000 for 36 months.

Rates effective as of: November 30, 2025

*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: % – % (2024 and newer), % – % (2023 – 2016), % – % (2015 - 2010), % – % (2009 and older), and % – % (other recreation vehicles 2016 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 = (2024 and newer), (2023 – 2016), (2015 – 2010), (2009 and older), (other recreation vehicles 2016 and newer), per $1,000 for 36 months.