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Fuel Economy Guide

Heartland Area FCU
6111 N. 72nd Street
Omaha, NE 68134-2157
Toll Free 1-866-314-2328
Phone (402) 571-8444
Fax (402) 571-0462

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Used Vehicle Loans
All rates are subject to change. Rates set by individual creditworthiness, terms and age of vehicle.

Used 2011-2013 (NADA Retail Value) Effective as of

Credit Rating 750+ 700-749 650 - 699 620 - 649 581 - 619 < 580
  A+ A B C D E
  APR* APR* APR* APR* APR* APR*
0-36
Months
3.75% 4.00% 4.50% 7.50% 12.80% 15.10%
37-48
Months
4.20% 4.50% 5.00% 8.50% 13.80% 15.80%
49-60
Months
4.50% 4.75% 5.50% 8.75% XXX XXX
61-72
Months**
5.00% 5.25% 6.00% 9.75% XXX XXX

*Annual Percentage Rate
**
If loan amount is over $15,000

Used 2010 & Older (NADA Trade-In Value) Effective as of

Credit Rating 750+ 700 - 749 650 - 699 620 - 649 581 - 619 <580
  A+ A B C D E
  APR* APR* APR* APR* APR* APR*
0-36
Months
4.30% 4.55% 5.05% 9.30% 15.30% 16.80%
37-48
Months
4.55% 4.80% 5.55% 9.55% 15.80% XXX
49-60
Months
4.80% 5.05% 5.80% 9.80% XXX XXX

*Annual Percentage Rate

Apply for a loan online

Route 66 Extended Warranty
Route 66 Extended Warranty Route 66 Warranty has a complete line of coverage designed to keep your vehicle on the road. Even the most reliable vehicle can develop a mechanical problem. No matter where you travel in the United States, Route 66 protects you against major mechanical expenses and there is NO DEDUCTIBLE on covered parts and labor. There are three types of coverage:

  1. Easy Street - Factory Type Coverage (best coverage available)

  2. Main Street - Deluxe Coverage 

  3. First Street - Drive train Coverage

Call Linda, our loan officer, if you have any questions. Also you can go online at www.route66warranty.com or phone Route 66 at 1-800-808-0828.

Skip-A-Payment on any Qualifying Loan
Give your budget a boost! Pick your month - skip one loan payment per year anytime between January 1 and December 31***. Pick up a coupon (REQUIRED) at the credit union today.  ***There is a $30.00 administration fee per loan. On vehicle loans, the loan balance cannot exceed the NADA retail/trade-in value at the time the loan skipped. Excludes mortgage, home equity, insurance, one-pay, credit card and leased loans. You must complete and submit a Skip Loan Payment Coupon prior to your loan payment due date. Contact the credit union for details or to get your coupon.

Disclosures:

CLOSED-END CREDIT

THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT HEARTLAND AREA FEDERAL 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 application.

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.
Complete Disclosure Information


Your savings Federally insured to at least $250,000
and backed by the full faith and credit of the United States Government.
National Credit Union Administration,
a U.S. Government Agency.


We do business in accordance with the
Federal Fair Housing Law and the
Equal Credit Opportunity Act.