Rates
| Rates effective 02/22/2010 |
Account Type |
Dividend Rate |
Annual Percentage Yield (APY) |
| Savings Account |
0.50% |
0.50% |
| Christmas Club |
1.25% |
1.26% |
| Vacation Club |
1.25% |
1.26% |
| MatriMoney |
1.00% |
1.00% |
| |
|
|
Account |
Dividend |
Annual Percentage Yield (APY) |
| Money Market Account |
|
|
| $0-$1,999.99 |
0.00% |
0.00% |
$2,000-$9,999.99 |
.60% |
.60% |
$10,000-$24,999.99 |
.75% |
.75% |
$25,000 and above |
1.00% |
1.00% |
|
|
|
Platinum Money Market Account |
|
|
$0-$24,999.99 |
0.50% |
0.50% |
$25,000 and above |
1.29% |
1.30% |
| |
|
|
IRA Savings Account |
1.50% |
1.51% |
Term |
Annual
Percentage Rate (APR) |
Annual
Percentage Yield (APY)
|
|
|
| 3 month* |
0.70% |
0.70% |
0.95% |
0.95% |
| 6 month* |
0.95% |
0.95% |
1.20% |
1.21% |
| 11 months** |
1.05% |
1.06% |
1.30% |
1.31% |
| 12 months** |
1.25% |
1.26% |
1.50% |
1.51% |
| 18 months** |
1.55% |
1.56% |
1.80% |
1.81% |
| 24 months** |
1.80% |
1.82% |
2.05% |
2.07% |
| 30 months** |
1.80% |
1.82% |
2.05% |
2.07% |
| 48 Months** |
2.50% |
2.53% |
2.75% |
2.78% |
| 60 Months |
2.80% |
2.84% |
3.05% |
3.09% |
360 day Trad. or
Roth IRA** |
1.25% |
1.26% |
1.50% |
1.51% |
36 mos. Trad. or
Roth IRA** |
2.20% |
2.22% |
2.45% |
2.48% |
* $1,000.00 minimum balance is required. 90 day early withdrawl penalty.
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Term |
Annual Percentage Rate (APR) |
Annual Percentage Yield (APY) |
|
|
| 7 month* |
1.00% |
1.00% |
1.25% |
1.26% |
| 11 month** |
1.25% |
1.26% |
1.50% |
1.51% |
| 13 months* |
1.35% |
1.36% |
1.60% |
1.61% |
| 14 months* |
1.35% |
1.36% |
1.60% |
1.61% |
| 15 months* |
1.35% |
1.36% |
1.60% |
1.61% |
| 16 months* |
1.35% |
1.36% |
1.60% |
1.61% |
| 17 months* |
1.35% |
1.36% |
1.60% |
1.61% |
* $1,000.00 minimum balance is required. 180 day early withdrawal penalty.
** Minimum balance of $5,000 is required. 180 day early withdrawal penalty.
Term |
Annual Percentage Rate (APR) |
Annual Percentage Yield (APY) |
| 3 months* |
0.70% |
0.70% |
| 6 months* |
0.95% |
0.95% |
| 12 months* |
1.25% |
1.26% |
| |
|
|
* $100 minimum balance required. Must be a Teen Club Member to qualify for rates.
Rates subject to change without notice
Model Year |
Term |
Annual Percentage Rate (APR)* |
| 2008 - 2010 |
48 mo. |
3.49% |
| |
60 mo. |
3.74% |
| 2006 - 2007 |
48 mo. |
3.74% |
| |
60 mo. |
3.99% |
| 2004-2005 |
48 mo. |
4.24% |
| |
60 mo. |
4.49% |
| 2002-2003 |
48 mo. |
5.24% |
| |
60 mo. |
5.49% |
| 2000-2001 |
48 mo. |
5.99% |
| |
60 mo. |
6.24% |
*Annual Percentage Rate and 100% financing (including tax, title, and license) available to qualified borrowers. Actual rate quoted is based on credit worthiness, model year, and term. Rates quoted above include .25% deduction for Auto Pay and .25% deduction for a Prime Plus relationship. Heartland Credit Union offers a 1% rate reduction for Hybrid vehicles with a floor of 3.00% Annual Percetage Rate.
Model Year |
Term |
Annual Percentage Rate (APR)* |
| 2007 - 2009 |
48 mo. |
7.25% |
| |
60 mo. |
7.50% |
| 2005 - 2006 |
48 mo. |
7.75% |
| |
60 mo. |
8.00% |
| 2003-2004 |
48 mo. |
8.00% |
| |
60 mo. |
8.25% |
| 2002-2000 |
48 mo. |
9.25% |
| |
60 mo. |
9.50% |
| 1998-1999 |
48 mo. |
9.75% |
| |
60 mo. |
10.00% |
*Annual Percentage Rate and 100% financing (including tax, title, and license) available to qualified borrowers. Actual rate quoted is based on credit worthiness, model year, and term. Rates quoted above include .25% deduction for Auto Pay and .25% deduction for a Prime Plus relationship.
| Term |
Annual Percentage Rate* |
| 36 mo. |
11.00% |
| 48 mo. |
12.00% |
| 60 mo. |
14.00% |
*The Annual Percentage Rates listed above are based on credit worthiness and term. Terms and Conditions apply.
Term |
Annual Percentage Rate |
| Instant Equity Loan* |
7.00% |
| Prime Line Equity Loan* |
4.00% |
| |
|
| Closed End HE Loan - 80% LTV** |
|
60 months |
4.50% |
84 months |
5.00% |
120 months |
5.50% |
| |
|
*Does not qualify for additional discounts. Terms and Conditions apply.
**The Annual Percentage Rates listed above are based on credit worthiness, and include .25% deduction for Auto Pay and .25% deduction for a Prime Plus relationship. Terms and Conditions apply.
Calculators