Rates effective 011/01/2011
| Account |
Dividend |
Annual Percentage Yield (APY) |
| Savings Account |
0.25% |
0.25% |
| Christmas Club |
0.40% |
0.40% |
| Vacation Club |
0.40% |
0.40% |
| MatriMoney |
0.40% |
0.40% |
| Account |
Dividend |
Annual Percentage Yield (APY) |
Money Market
Account |
|
|
| $0-$1,999.99 |
0.00% |
0.00% |
| $2,000-$9,999.99 |
0.30% |
0.30% |
| $10,000-$24,999.99 |
0.35% |
0.35% |
| $25,000 and above |
0.40% |
0.40% |
|
|
|
| Platinum Money Market Account |
|
|
| $0-$24,999.99 |
0.25% |
0.25% |
| $25,000 and above |
0.50% |
0.50% |
| |
|
|
IRA Savings
Account |
0.40% |
0.40% |
| Term |
Annual Percentage Rate (APR) |
Annual Percentage Yield (APY) |
| 3 month* |
0.10% |
0.10% |
| 6 month* |
0.25% |
0.25% |
| 11 months** |
0.35% |
0.35% |
| 12 months** |
0.45% |
0.45% |
| 18 months** |
0.70% |
0.70% |
| 24 months** |
0.85% |
0.85% |
| 30 months** |
0.85% |
0.85% |
| 48 Months** |
1.45% |
1.46% |
| 60 Months*** |
1.70% |
1.71% |
18 month Trad or
Roth IRA** |
0.70% |
0.70% |
36 mos. Trad. or
Roth IRA** |
1.20% |
1.21% |
* $1,000.00 minimum balance is required. 90 day early withdrawl penalty. ** Minimum balance of $1,000 is required. 180 day early withdrawal penalty. ***Minimum balance of $10,000 in required. Special Certificates - Available for a limited time only
| Term |
Annual Percentage Rate (APR) |
Annual Percentage Yield (APY) |
| 7 month* |
0.30% |
0.30% |
| 11 month** |
0.40% |
0.40% |
| 13 months* |
0.55% |
0.55% |
| 14 months* |
0.55% |
0.55% |
| 15 months* |
0.55% |
0.55% |
| 16 months* |
0.55% |
0.55% |
| 17 months* |
0.55% |
0.55% |
* $1,000.00 minimum balance is required. 180 day early withdrawal penalty. ** Minimum balance of $5,000 is required. 180 day early withdrawal penalty.
Teen Club Certificates
| Term |
Annual Percentage Rate (APR) |
Annual Percentage Yield (APY) |
| 3 months* |
0.10% |
0.10% |
| 6 months* |
0.25% |
0.25% |
| 12 months* |
0.45% |
0.45% |
* $100 minimum balance required. Must be a Teen Club Member to qualify for rates. Rates subject to change without notice.
Auto Loans Loan
Annual Percentage Rate as low as
| Term |
Annual Percentage Rate (APR) |
Annual Percentage Yield (APY) |
| 2010 - 2012 |
48 mo. |
2.24% |
| |
60 mo. |
2.24% |
| 2008 - 2009 |
48 mo. |
3.49% |
| |
60 mo. |
3.74% |
| 2006-2007 |
48 mo. |
3.99% |
| |
60 mo. |
4.24% |
| 2004-2005 |
48 mo. |
5.24% |
| |
60 mo. |
5.49% |
| 2002-2003 |
48 mo. |
5.74% |
| |
60 mo. |
5.99% |
*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. Heartland Credit Union offers a 1% rate reduction for Hybrid vehicles with a floor of 3.00% Annual Percetage Rate.
Recreational Loans (motorcylces, motorhomes, boats, ATV)
| Model Year |
Term |
Annual Percentage Rate (APR) |
| 2010 - 2012 |
48 mo. |
5.99% |
| |
60 mo. |
6.24% |
| 2008 - 2009 |
48 mo. |
6.49% |
| |
60 mo. |
6.74% |
| 2006-2007 |
48 mo. |
6.99% |
| |
60 mo. |
7.24% |
| 2004-2005 |
48 mo. |
8.24% |
| |
60 mo. |
8.49% |
| 2002-2003 |
48 mo. |
8.74% |
| |
60 mo. |
8.99% |
*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.
Life Style Loans
| Term |
Annual Percentage Rate (APR) |
| 36 mo. |
7.99% |
| 48 mo. |
8.99% |
| 60 mo. |
10.99% |
*The Annual Percentage Rates listed above are based on credit worthiness and term. Terms and Conditions apply.
Home Equity Loans
| Term |
Annual Percentage Rate (APR) |
| Instant Equity Loan* |
7.00% |
| Prime Line Equity Loan* |
4.00% |
| |
|
| Closed End HE Loan - 80% LTV** |
|
| 60 months |
2.50% |
| 84 months |
3.00% |
| 120 months |
3.50% |
*Does not qualify for additional discounts. Terms and Conditions apply.
**The Annual Percentage Rates listed above are based on credit worthiness.
Current Mortgage Rates
Calculators