THIS DISCLOSURE NOTICE CONTAINS IMPORTANT
INFORMATION ABOUT HEARTLAND AREA CREDIT UNIONíS CLOSED END-CREDIT LOANS. YOU
SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.
Terms Subject to Change. The rates
contained herein are effective as of . However, the terms described
in this disclosure are subject to change at any time. If, prior to your signing
the loan documents, any of these terms have changed (other than the annual
percentage rate) and you decide, as a result, not to obtain a loan from us, you
would be entitled to a refund of any fees that you paid in connection with your
Terms of Repayment. Interest rates for
closed end credit are fixed. The terms of repayment for the currently published
interest rates are as listed above.
Certificate Secured, Loans covered by
Certificate of Deposit from the credit union will be charged 2% over the C.D.
Rate. Members can borrow 90% of face value of C.D. Loans covered by a
Certificate of Deposit from another institution will have a rate of 3% over
current credit union C.D. rate. Members can borrow 75% of face value of C.D.
Complete Disclosure Information