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Consumer Loan Rates

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Rates effective as of Jul 1, 2017. Rates quoted are for tier 1 borrowers and assume the borrower has automatic payments, an HCU Checking account with Direct Deposit, and a debt-to-income ratio (including new loan) below 43%. Tier 1 pricing assumes a vehicle is less than 6 years old and has less than 100,000 miles. Your actual rate may be higher, depending upon your credit history.

Summer Auto Loan

It’s the perfect time to buy your next auto! With rates as low as 2.99% APR* and our friendly and knowledgeable staff, getting an auto loan at Heartland Credit Union is a breeze.

*Limited time offer. Membership required.  Subject to credit approval. Fixed *Annual Percentage Rate assumes: a new HCU consumer loan for a 2007 or newer vehicle with less than 150,000 miles, Tier 1 credit, HCU checking with direct deposit, debt to income ratio, including new loan, below 43%.  72 monthly payments of $15.19 per $1,000 borrowed. Minimum loan amount $5,000.

  

Auto, Truck, RV & Motorcycle Rates (Fixed Rate)

Loan Amount Term Secured Unsecured
APR Rate APR Rate
$5000.00 up   Up to 36 months 3.68* 2.99 7.70* 6.99
$5000.00 up   Up to 42 months 3.79* 3.19 7.80* 7.19
$7500.00 up   Up to 48 months 3.54* 3.19 7.55* 7.19
$5000.00 up  - ATV & Jet Ski Up to 48 months 7.03* 6.49 11.05* 10.49
$10000.00 up   Up to 60 months 3.40* 3.19 7.41* 7.19
$15000.00 up   Up to 72 months 3.61* 3.49 7.62* 7.49
$25000.00 up  - Tiers 1, 2, & 3 only Up to 84 months 5.05* 4.99 N/A N/A
$50000.00 up  - Tiers 1 & 2 only Up to 96 months 6.52* 6.49 N/A N/A

* (APR = Annual Percentage rate) Assumes a loan amount of 150% of the minimum loan amount, with a $79 online (or lobby kiosk) origination fee.

Auto, Truck, RV & Motorcycle Rates (Variable Rate)

Loan Amount Term Secured Unsecured
APR Rate APR Rate
Any   Up to 60 months 4.23** 4.07 5.63** 5.47
RV loan - $40000.00 up   Up to 180 months 4.69* 4.67 N/A N/A

* (APR = Annual Percentage rate) Assumes a loan amount of 150% of the minimum loan amount, with a $79 online (or lobby kiosk) origination fee.

** (APR = Annual Percentage rate) Assumes a $20,000 loan with a $79 online (or lobby kiosk) origination fee.

Lines of Credit

Type of Loan Non-variable APR Variable APR Fixed APR
Home Equity Line-of-Credit - 1st mortgage (max. 120 mos.) N/A 3.25* N/A
Home Equity Line-of-Credit - 2nd mortgage (max. 120 mos.) N/A 4.75* N/A
Express Loan Signature Line-of-Credit up to 36 months N/A 4.93** N/A
Overdraft Protection for Checking N/A N/A 16.90

* (APR = Annual percentage rate) APR calculation assumes a balance of $25,000 over 10 years with a $99 origination fee. Annual LOC fee of $20. APR may change quarterly, but will never be greater than 18% or the maximum rate allowable by the law.

** (APR = Annual percentage rate) APR calculation assumes a balance of $25,000 over 3 years with a $99 origination fee.

Credit Cards

Type of Loan Non-variable APR Variable APR Fixed APR
VISA Blue Dragon Card 12.90 N/A N/A
VISA Diamond Awards 11.90 N/A N/A
VISA Express 5.90 N/A N/A
VISA Hutch Card 12.90 N/A N/A
VISA Platinum Rewards 7.90 N/A N/A

Additional Rates