© 2018 Heartland Area Federal Credit Union. All rights reserved.

2015 & Newer Vehicle Loans

All rates are subject to change. Rates set by individual creditworthiness, terms and age

of vehicle. 100% of sticker/Retail Value. $15,000 minimum.

Loan Rates

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
Home Access

Credit Rating:

750+  (A+)

700-749 (A)

650-699  (B)

620-649  (C)

581-619  (D)

<580  (E)

APR*

APR*

APR*

APR*

APR*

APR*

0-36 mos

37-48 mos

49-60 mos

61-72 mos**

2.20%

2.20%

2.20%

2.50%

2.45%

2.45%

2.45%

2.75%

2.95%

2.95%

2.95%

3.25%

3.95%

4.95%

5.95%

7.50%

9.00%

9.75%

10.75%

xxx

13.25%

14.25%

14.75%

xxx

*Annual Percentage Rate

** If loan amount is over $15,000

2016 & Newer Vehicle Loans

All rates are subject to change. Rates set by individual creditworthiness. We will finance 100% of the

lesser of the following two values- either NADA retail value or the purchase price.

Credit Rating:

Up to 84 mos**

4.00%

750+   (A+)

700-749 (A)

650-699 (B)

APR*

APR*

APR*

4.25%

4.50%

*Annual Percentage Rate

** If loan amount is over $20,000

NEWER Vehicle Loans

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.

Used 2012-2014 (NADA Retail Value)

All rates are subject to change. Rates set by individual creditworthiness, terms and age

of vehicle.

Credit Rating:

750+  (A+)

700-749 (A)

650-699  (B)

620-649  (C)

581-619  (D)

<580  (E)

APR*

APR*

APR*

APR*

APR*

APR*

0-36 mos

37-48 mos

49-60 mos

61-72 mos**

3.75%

4.20%

4.50%

5.00%

4.00%

4.50%

4.75%

5.25%

4.50%

5.00%

5.50%

6.00%

7.50%

8.50%

8.75%

9.75%

12.80%

13.80%

xxx

15.10%

15.80%

xxx

*Annual Percentage Rate

** If loan amount is over $15,000

USED Vehicle Loans

xxx

xxx

Used 2011 & Older (NADA Trade-In Value)

All rates are subject to change. Rates set by individual creditworthiness, terms and age

of vehicle.

Credit Rating:

750+  (A+)

700-749 (A)

650-699  (B)

620-649  (C)

581-619  (D)

<580  (E)

APR*

APR*

APR*

APR*

APR*

APR*

0-36 mos

37-48 mos

49-60 mos

4.30%

4.55%

4.80%

4.55%

4.80%

5.05%

5.05%

5.55%

5.80%

9.30%

9.55%

9.80%

15.30%

15.80%

16.80%

*Annual Percentage Rate

xxx

xxx

xxx

Disclosure

CLOSED-END CREDIT

THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT HEARTLAND AREA FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT

CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.

Terms Subject to Change. 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.

Personal Loans

Credit Rating:

750+  (A+)

700-749 (A)

650-699  (B)

620-649  (C)

581-619  (D)

<580  (E)

APR*

APR*

APR*

APR*

APR*

APR*

0-12mos

13-24 mos

25-36 mos

37-48 mos

6.50%

7.00%

7.50%

8.50%

7.50%

8.00%

8.50%

9.50%

8.50%

9.00%

9.50%

10.50%

12.50%

13.50%

14.00%

xxx

15.50%

16.50%

xxx

16.50%

17.50%

xxx

*Annual Percentage Rate

17.50%

18.00%

Rates set by individual creditworthiness.

Effective as of January 04, 2018. All rates are subject to change.

CLOSED-END CREDIT

THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT HEARTLAND AREA CREDIT UNION’S 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 January 04, 2018. 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.

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.

Share Covered Loans

Contact Credit Union 

Mortgage Loans

1st Mortgage Loan

80% of Appraised Value                  180 Months            3.75% APR

2nd Mortgage Loan

80% of Appraised Value or

85% of Assessed Value                    60 Months            4.75% APR*

80% of Appraised Value or

85% of Assessed Value                    84 Months            5.75% APR*

80% of Appraised Value or

85% of Assessed Value                    120 Months          6.75% APR*

*Annual Percentage Rate

CLOSED-END CREDIT

THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT HEARTLAND AREA CREDIT UNION’S 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 January 04, 2018. 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.

© 2018 Heartland Area Federal Credit Union. All Rights Reserved.

Loan

Rates

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

All rates effective as of current date.

Home Access

2015 & Newer Vehicle Loans

All rates are subject to change. Rates set by individual creditworthiness,

terms and age of vehicle. 100% of sticker/Retail Value. $15,000 minimum.

Credit Rating:

750+  (A+)

700-749 (A)

650-699  (B)

620-649  (C)

581-619  (D)

<580  (E)

APR*

APR*

APR*

APR*

APR*

APR*

0-36 mos

37-48 mos

49-60 mos

61-72 mos**

2.20%

2.20%

2.20%

2.50%

2.45%

2.45%

2.45%

2.75%

2.95%

2.95%

2.95%

3.25%

3.95%

4.95%

5.95%

7.50%

9.00%

9.75%

10.75%

xxx

13.25%

14.25%

14.75%

xxx

*Annual Percentage Rate

** If loan amount is over $15,000

2016 & Newer Vehicle Loans

All rates are subject to change. Rates set by individual creditworthiness. We

will finance 100% of the lesser of the following two values- either NADA

retail value or the purchase price.

Credit Rating:

Up to 84 mos**

4.00%

750+   (A+)

700-749 (A)

650-699 (B)

APR*

APR*

APR*

4.25%

4.50%

*Annual Percentage Rate

** If loan amount is over $20,000

NEWER Vehicle Loans

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.

Used 2012-2014 (NADA Retail Value)

All rates are subject to change. Rates set by individual creditworthiness, terms

and age of vehicle.

Credit Rating:

750+  (A+)

700-749 (A)

650-699  (B)

620-649  (C)

581-619  (D)

<580  (E)

APR*

APR*

APR*

APR*

APR*

APR*

0-36 mos

37-48 mos

49-60 mos

61-72 mos**

3.75%

4.20%

4.50%

5.00%

4.00%

4.50%

4.75%

5.25%

4.50%

5.00%

5.50%

6.00%

7.50%

8.50%

8.75%

9.75%

12.80%

13.80%

xxx

15.10%

15.80%

xxx

*Annual Percentage Rate

** If loan amount is over $15,000

USED Vehicle Loans

xxx

xxx

Used 2011 & Older (NADA Trade-In Value)

All rates are subject to change. Rates set by individual creditworthiness,

terms and age of vehicle.

Credit Rating:

750+  (A+)

700-749 (A)

650-699  (B)

620-649  (C)

581-619  (D)

<580  (E)

APR*

APR*

APR*

APR*

APR*

APR*

0-36 mos

37-48 mos

49-60 mos

4.30%

4.55%

4.80%

4.55%

4.80%

5.05%

5.05%

5.55%

5.80%

9.30%

9.55%

9.80%

15.30%

15.80%

16.80%

*Annual Percentage Rate

xxx

xxx

xxx

Disclosure

CLOSED-END CREDIT

THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT HEARTLAND

AREA FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT

CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.

Terms Subject to Change. 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.

Personal Loans

Credit Rating:

750+  (A+)

700-749 (A)

650-699  (B)

620-649  (C)

581-619  (D)

<580  (E)

APR*

APR*

APR*

APR*

APR*

APR*

0-12mos

13-24 mos

25-36 mos

37-48 mos

6.50%

7.00%

7.50%

8.50%

7.50%

8.00%

8.50%

9.50%

8.50%

9.00%

9.50%

10.50%

12.50%

13.50%

14.00%

xxx

15.50%

16.50%

xxx

16.50%

17.50%

xxx

*Annual Percentage Rate

17.50%

18.00%

Rates set by individual creditworthiness.

Effective as of January 04, 2018. All rates are subject to change.

CLOSED-END CREDIT

THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT HEARTLAND

AREA CREDIT UNION’S 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 January 04, 2018.

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.

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.

Share Covered Loans

Contact Credit Union 

Mortgage Loans

1st Mortgage Loan

80% of Appraised Value                  180 Months            3.75% APR

2nd Mortgage Loan

80% of Appraised Value or

85% of Assessed Value                    60 Months            4.75% APR*

80% of Appraised Value or

85% of Assessed Value                    84 Months            5.75% APR*

80% of Appraised Value or

85% of Assessed Value                    120 Months          6.75% APR*

*Annual Percentage Rate

CLOSED-END CREDIT

THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT HEARTLAND

AREA CREDIT UNION’S 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 January 04,

2018. 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.