© 2023 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.
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
Up to 60 months, loan minimum of $25,000 - 2.25% over current dividend rate
Up to 72 months, loan minimum of $50,000 - 2.50% over current dividend rate
Up to 84 months, loan minimum of $75,000 - 2.75% over current dividend rate
Up to 84 months, loan minimum of $100,000 - 3.00% 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.
Call for rates.
Mortgage Loans (30 year loans)
We partner with Pivot Lending Group for 30 year mortgages.
Click on the logo below to apply.
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