Consumer Loan Rates

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Rates effective as of Jul 15, 2016. 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.

Anything Loan

For a limited time, take advantage of fixed rates as low as 1.99% APR for 36 Months or 2.74% APR for up to 72 months, on just about anything from personal and auto loans, to debt consolidation!

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Limited time offer. Membership required. New HCU loans only. Subject to credit approval. Not applicable for real estate loans or add-on certificate loans. *Fixed Annual Percentage Rate secured, assumes; online application for a new Heartland Credit Union consumer loan for a minimum of $5,000, Tier 1 credit, active Heartland Credit Union Checking with payroll direct deposit and Debt to Income ratio, including new loan, below 43%. Unsecured loans add 4% to APR.

 

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

Loan Amount Term Secured Unsecured
APR Rate APR Rate
$5000.00 up   Up to 36 months 3.18* 2.49 7.20* 6.49
$5000.00 up   Up to 42 months 3.59* 2.99 7.60* 6.99
$7500.00 up   Up to 48 months 3.25* 2.99 7.26* 6.99
$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 3.13* 2.99 7.14* 6.99
$15000.00 up   Up to 72 months 3.83* 3.74 7.83* 7.74
$25000.00 up  - Tiers 1, 2, & 3 only Up to 84 months 5.29* 5.24 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 4.15** 3.99 5.55** 5.39
RV loan - $40000.00 up   Up to 180 months 4.61* 4.59 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 4.85** 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 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