© 2023 Heartland Area Federal Credit Union. All Rights Reserved.

Loan

Rates

All rates effective as of current date.

2021 & Newer Vehicle Loans  (NADA Retail Value)

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

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

*Annual Percentage Rate

** If loan amount is over $15,000

2021 & 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. Minimum $30,000

Credit Rating:

Up to 84 mos**

7.09%

750+   (A+)

700-749 (A)

650-699 (B)

APR*

APR*

APR*

7.84%

8.09%

*Annual Percentage Rate

** If loan amount is over $20,000. Meet or beat floor rate 2.45% 2017

and newer minimum $5,000 New Money.

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 Robert, 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 2017-2020 (NADA Retail Value)

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

and age of vehicle. $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*

*Annual Percentage Rate

** If loan amount is over $15,000

USED Vehicle Loans

Used 2016 & 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*

*Annual Percentage Rate

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

9.95%

10.45%

10.95%

11.95%

10.95%

11.45%

11.95%

12.95%

11.95%

 12.95%

 13.45%

 14.45%

16.95%

17.55%

17.95%

xxx

18.00%

18.00%

xxx

18.00%

18.00%

xxx

*Annual Percentage Rate

18.00%

18.00%

Rates set by individual creditworthiness.

Effective as of current date.  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

Up to and including 48 mo - 2.00% over current dividend rate

Mortgage Loans (1st and 2nd mortgages for 15 years or less)

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 September

26, 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.

Mortgage Loans (30 year loans)

Up to 48 mos

49-60 mos

61-72 mos**

7.84%

8.29%

9.09%

8.14%

8.54%

9.34%

8.64%

9.29%

10.09%

15.39%

15.79%

17.09%

17.69%

xxx

18.00%

xxx

18.00%

xxx

Up to 48 mos

49-60 mos

8.19%

8.59%

8.44%

8.84%

9.19%

9.59%

16.44%

16.84%

18.00%

*Annual Percentage Rate

xxx

xxx

18.00%

Credit Rating:

750+  (A+)

700-749 (A)

650-699  (B)

620-649  (C)

581-619  (D)

<580  (E)

APR*

APR*

APR*

APR*

APR*

APR*

Up to 48 mos

49-60 mos

61-72 mos**

5.85%

6.09%

6.59%

6.09%

6.34%

6.84%

6.59%

6.84%

7.34%

11.84%

12.99%

14.84%

 15.64%

 16.79%

xxx

18.00%

18.00%

xxx