Consumer Loan Rates

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Rates effective as of Sep 1, 2015. 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 10 years old and has less than 100,000 miles. Your actual rate may be higher, depending upon your credit history.

Drive Happier!

Heartland Credit Union wants you to drive happier in your current vehicle by refinancing to a lower rate. Drive Happier with refinance rates starting at 2.09% APR for up to 36 months. We also have a 60 month rate starting at 2.49% APR and a 72 month rate starting at 2.99% APR. We want to make you even happier, so we are also including a special 90-day no payment offer: sending your vehicle payments on vacation for 3 full months! There, aren’t you feeling happier already? Click here for details  

 

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

Loan Amount Term Secured Unsecured
APR Rate APR Rate
$5000.00 up   Up to 36 months 3.43* 2.74 7.45* 6.74
$5000.00 up   Up to 42 months 3.34* 2.74 7.35* 6.74
$10000.00 up   Up to 48 months 3.00* 2.74 7.01* 6.74
$5000.00 up   Up to 48 months 6.03* 5.49 10.04* 9.49
$15000.00 up   Up to 60 months 2.88* 2.74 6.89* 6.74
$20000.00 up   Up to 72 months 3.33* 3.24 7.33* 7.24
$30000.00 up   Up to 84 months 4.79* 4.74 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 4.27** 4.11 5.67** 5.51
RV loan - $40000.00 up   Up to 180 months 4.73* 4.71 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
VISA Platinum Rewards 7.90 N/A N/A
VISA Diamond Awards 11.90 N/A N/A
VISA Blue Dragon Card 12.90 N/A N/A
VISA Hutch Card 12.90 N/A N/A
VISA Express 5.90 N/A N/A
Home Equity Line-of-Credit - 1st mortgage (max. 120 mos.) N/A 3.33* N/A
Home Equity Line-of-Credit - 2nd mortgage (max. 120 mos.) N/A 4.84* N/A
Express Loan Signature Line-of-Credit up to 36 months N/A 4.97** 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.