Loan Rates
| Term | APR* as low as | |
|---|---|---|
|
Home Equity Line of Credit |
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Second Mortgage Fixed |
Up to |
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*APR is Annual Percentage Rate. After the introductory period, the rate will be tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of July 26, 2023, is 8.50%. Our second mortgage rates range from 7.99% to 16.49% and are accurate as of September 1, 2023. Rates are subject to change but will never go above 18.00% APR or below the floor rate of 3.99% APR. Your actual rate will be based on your creditworthiness and loan-to-value (LTV). Maximum LTV is 100%. Property insurance is required. Existing Home Equity Lines of Credit are not eligible for the introductory rate. 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.
| Product | Rate | APR |
|---|---|---|
|
30 Year Fixed |
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5 YR HCU ARM |
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7 YR HCU ARM |
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15 Year Purchase ARM |
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WHEDA FIrst Time Home Buyer <= 80% AMI |
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Rates effective as of: September 13, 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
| Term | APR as low as* | Promo APR as low as ** |
|---|---|---|
|
Up to 36 months |
|
4.74 |
|
37 - 60 months |
|
5.25 |
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61 - 72 months (Min. $20,000) |
|
5.49 |
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73 months or greater (Min. $30,000) |
|
6.49 |
Rates effective as of: September 13, 2025
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: 5.24% – 17.49% (2024 and newer), 5.74% – 18.49% (2023 – 2016), 7.24% – 19.99% (2015 - 2010), 11.49% – 20.49% (2009 and older), and 7.49% – 19.99% (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 = $30.08 (2024 and newer), $30.30 (2023 – 2016), $31.10 (2015 – 2010), $32.97 (2009 and older), $31.10 (other recreation vehicles 2016 and newer), per $1,000 for 36 months. **APR is Annual Percentage Rate. A 0.50% interest rate discount is available on both refinance and purchase loans funded after June 9, 2025. Promotional rate is offered on all titled and motorized collateral. Promotion can end at any time at the discretion of the credit union. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat, and recreational vehicle promotional loan rates range from 4.74% – 19.49% Annual Percentage Rate (APR) as of June 09, 2025. Your rate will be based on your credit history, term, and collateral. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $29.86 per $1,000 (Payment example is based on a 4.74% APR for 36 months)
| Term | Rate | |
|---|---|---|
|
Kwik Cash Line of Credit |
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Personal Loans |
Up to |
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Rates effective as of: September 13, 2025
*All rates are based on credit history. Please see an associate for details. Annual percentage rate (APR) can change at any time without notice. Normal lending policies apply. **Variable rate programs based on prime, currently at 8.5% as of July 26, 2023. See Heartland for more information including different rates & some fees.
| Term | APR as low as* |
|---|---|
|
Up to 36 months |
|
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37 - 60 months |
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61 - 72 months (Min. $20,000) |
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73 months or greater (Min. $30,000) |
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Rates effective as of: September 13, 2025
*APR is the Annual Percentage Rate. Vehicle Rates 5.24% – 22.49% APR. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Typical credit granting standards apply. Estimated monthly payment example = $30.09 per $1,000 (payment example is based on 5.24% APR and a term of 36 months).
| Term | APR as low as* |
|---|---|
|
Up to |
|
Rates effective as of: September 13, 2025
*APR is the Annual Percentage Rate. Vehicle Rates 5.24% – 22.49% APR. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Typical credit granting standards apply. Estimated monthly payment example = $30.09 per $1,000 (payment example is based on 5.24% APR and a term of 36 months).
| Term | APR as low as* |
|---|---|
|
Up to 36 months |
|
|
37 - 60 months |
|
|
61 - 72 months (Min. $20,000) |
|
|
73 months or greater (Min. $30,000) |
|
Rates effective as of: September 13, 2025
*APR is the Annual Percentage Rate. Vehicle Rates 5.24% – 22.49% APR. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Typical credit granting standards apply. Estimated monthly payment example = $30.09 per $1,000 (payment example is based on 5.24% APR and a term of 36 months).
Rates
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2022 and newer)
| Term | APR as low as* | Promo APR as low as ** |
|---|---|---|
|
Up to 36 months |
|
4.74 |
|
37 - 60 months |
|
5.25 |
|
61 - 72 months (Min. $20,000) |
|
5.49 |
|
73 months or greater (Min. $30,000) |
|
6.49 |
Rates effective as of: September 13, 2025
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: 5.24% – 17.49% (2024 and newer), 5.74% – 18.49% (2023 – 2016), 7.24% – 19.99% (2015 - 2010), 11.49% – 20.49% (2009 and older), and 7.49% – 19.99% (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 = $30.08 (2024 and newer), $30.30 (2023 – 2016), $31.10 (2015 – 2010), $32.97 (2009 and older), $31.10 (other recreation vehicles 2016 and newer), per $1,000 for 36 months. **APR is Annual Percentage Rate. A 0.50% interest rate discount is available on both refinance and purchase loans funded after June 9, 2025. Promotional rate is offered on all titled and motorized collateral. Promotion can end at any time at the discretion of the credit union. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat, and recreational vehicle promotional loan rates range from 4.74% – 19.49% Annual Percentage Rate (APR) as of June 09, 2025. Your rate will be based on your credit history, term, and collateral. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $29.86 per $1,000 (Payment example is based on a 4.74% APR for 36 months)
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2014 to 2021)
| Term | APR as low as* |
|---|---|
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Up to 36 months |
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37 - 60 months |
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61 - 72 months (Min. $20,000) |
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73 months or greater (Min. $30,000) |
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Rates effective as of: September 13, 2025
*APR is the Annual Percentage Rate. Vehicle Rates 5.24% – 22.49% APR. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Typical credit granting standards apply. Estimated monthly payment example = $30.09 per $1,000 (payment example is based on 5.24% APR and a term of 36 months).
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2013 and older)
| Term | APR as low as* |
|---|---|
|
Up to |
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Rates effective as of: September 13, 2025
*APR is the Annual Percentage Rate. Vehicle Rates 5.24% – 22.49% APR. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Typical credit granting standards apply. Estimated monthly payment example = $30.09 per $1,000 (payment example is based on 5.24% APR and a term of 36 months).
Recreational Vehicles: Snowmobiles | ATVs | Campers (2014 and newer)
| Term | APR as low as* |
|---|---|
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Up to 36 months |
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37 - 60 months |
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61 - 72 months (Min. $20,000) |
|
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73 months or greater (Min. $30,000) |
|
Rates effective as of: September 13, 2025
*APR is the Annual Percentage Rate. Vehicle Rates 5.24% – 22.49% APR. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Typical credit granting standards apply. Estimated monthly payment example = $30.09 per $1,000 (payment example is based on 5.24% APR and a term of 36 months).
Personal Loans
| Term | Rate | |
|---|---|---|
|
Kwik Cash Line of Credit |
|
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|
Personal Loans |
Up to |
|
Rates effective as of: September 13, 2025
*All rates are based on credit history. Please see an associate for details. Annual percentage rate (APR) can change at any time without notice. Normal lending policies apply. **Variable rate programs based on prime, currently at 8.5% as of July 26, 2023. See Heartland for more information including different rates & some fees.
Heartland Credit Cards
| Rate | |
|---|---|
|
Mastercard |
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Rates effective as of: September 13, 2025
*APR is Annual Percentage Rate. Non-promotional current rates will be applied to all purchases and cash advances. This is a variable rate program. APRs are tied to the Prime Rate as published in the Wall Street Journal (8.50% as of July 26, 2023), plus or minus a margin, and could be as low as 13.50% 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.
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