Personal Loans
Personal Loans – EFFECTIVE December 1, 2023
All rates are subject to change. Rates set by individual creditworthiness
*Annual Percentage Rate
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)
Call for rates.
(30 year loans)
We partner with Pivot Lending Group for 30 year mortgages. Click on the logo at right to get started.
***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.
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.