“Meet or Beat” Your Existing Rate by .50% or more*"

We promise to “Meet or Beat” your current rate by 0.50% or more*

Your rate depends on credit score, vehicle age, and loan terms. Financing is available up to the retail value of the vehicle. The lowest APR offered will be 5%. A minimum of $5000 new money is required. This offer applies only to vehicle loans currently held at other financial institutions. Rates, terms, and conditions may change without notice.

But that’s not all! We’re committed to offering you the best deal. If you find a better rate elsewhere, let us know. We promise to meet or beat the competition by .50%, ensuring you always get the best value with us.


You’ll also receive a $100 gas card at closing.

To apply, simply visit either of our local branches, or complete our online loan application. Remember, this special rate is available only for a limited time and is subject to credit approval.

Take the first step towards your new car today with Heartland Area Federal Credit Union, where your financial journey is our priority.


*Subject to credit approval.  Rate offered is based on creditworthiness. Terms and conditions apply.