Loan Rates

For more information, contact any Heartland Credit Union office. Quoted loan rates are in effect as of March 1, 2007 and are subject to change.

Qualified applicants may borrow up to 100% of the cost of a new vehicle and the average retail price on used vehicles (including tax and license).

	APR as low as*	Term
New & Used Autos & Trucks ***
2007-2000 models	5.29% 6.00% 6.20% 6.25% 6.80% 7.80%	Up to 2 years Up to 3 years Up to 4 years Up to 5 years Up to 6 years** Up to 7 years**
'99 and older	7.95% 8.95% 9.75%	Up to 2 years Up to 3 years Up to 4 years
New & Used RVs, Boats and Motorcycles ***
'07 - '00 models	7.10% 7.30% 7.35% 7.90% 8.90%	Up to 3 years Up to 4 years Up to 5 years Up to 7 years Up to 10 years****
'99 and older	9.05% 9.35%	Up to 3 years Up to 4 years
Untitled Vehicles (Snowmobiles, ATVs, personal watercraft, etc.) ***
New ('07) Used ('06 and older)	8.60% 9.60%	Up to 4 years Up to 4 years
Signature ***	11.35%	Up to 5 years
Computer Signature ***	9.60%	Up to 5 years
Home Equity Line of Credit **	8.50% - 10.25%	Revolving Line
Home Equity Closed End **	6.84% 7.15% 7.55% 8.15%	Up to 5 yrs Up to 8 yrs Up to 10 yrs Up to 15 yrs
Home Improvement ***	7.60% 8.75% 9.65% 10.89%	3 years 5 years 10 years 15 years
Mortgage Loans Realty, mortgage and title services – all in one location and at a fraction of the normal cost! Buy or refinance your mortgage thru Heartland Credit Union and our CU Companies partner.
Visa GOLD - with CU Rewards	10.90%	Revolving Line
Visa Classic & Student	12.90%	Revolving Line
Ready Cash Plus	15.00%	Revolving Line
Share Secured (Minimum rate 3.00%)	2.00% over share rate	Up to 5 years
CD Secured (Minimum rate 3.00%)	2.00% over CD rate	Up to 5 years

* APR is annual percentage rate. Auto-Pay from a Heartland checking account is required to receive the lowest quoted rate on collateral, home improvements, and signature loans. Add .25% without Auto-Pay.

** Home Equity Line of Credit rate is variable and subject to change quarterly. HELOC and home equity closed end rates are based on the loan to value of the property and credit history.

*** Loan rates may vary based upon your credit history. Other terms are available.

**** Special qualifications are applicable.


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