Heartland Credit Union is currently accepting pre-approval and purchase mortgage loan applications. If you would like to apply for a mortgage, please apply online or call 217-726-8877.
Calculate your payment
Personal Loans
| Term | Branch | Rate |
|---|
| 24 month | HCU | 10.740 % |
| 36 months | HCU | 12.790 % |
| 48 months | HCU | 13.790 % |
| 60 months | HCU | 15.790 % |
*The Annual Percentage Rates listed above are based on credit worthiness and term. Terms and Conditions apply.
Selected Rates current as of 11/21/2025, for approved customers.
Home Equity Loans - Closed End
| Term | Branch | First Lien position | Second Lien Position |
|---|
| 60 months | HCU | 5.500 % | 7.000 % |
| 84 months | HCU | 5.750 % | 7.250 % |
| 120 month | HCU | 6.000 % | 7.500 % |
*Does not qualify for additional discounts. Terms and Conditions apply.
**The Annual Percentage Rates listed above are based on credit worthiness, term and 80% LTV.
Selected Rates current as of 11/21/2025, for approved customers.
Home Equity Lines of Credit
| Term | Branch | Rate |
|---|
| Instant Equity Loan | HCU | 7.000 % |
| Prime Line Equity Loan | HCU | 7.000 % |
Selected Rates current as of 11/21/2025, for approved customers.
Auto Loans
| Model Year |
Term |
APR |
| 2023 - Newer |
48 mo. |
4.49% |
| |
60 mo. |
4.49% |
| |
72 mo. |
4.74% |
| |
84 mo. |
6.09% |
| 2020 - 2022 |
48 mo. |
4.64% |
| |
60 mo. |
4.64% |
| |
72 mo. |
4.89% |
| 2018 - 2019 |
48 mo. |
5.04% |
| |
60 mo. |
5.04% |
| |
72 mo. |
5.29% |
| 2016 - 2017 |
48 mo. |
7.29% |
| |
60 mo. |
7.29% |
| 2011 - 2015 |
48 mo. |
7.74% |
*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. Other terms are available, please contact the Credit Union for more information.
Recreational Loans(motorcycles, motorhomes, boats, ATV)
| Model Year |
Term |
APR |
| 2023 - Newer |
48 mo. |
6.49% |
| |
60 mo. |
6.49% |
| 2020 - 2022 |
48 mo. |
6.64% |
| |
60 mo. |
6.64% |
| 2018 - 2019 |
48 mo. |
7.04% |
| |
60 mo. |
7.04% |
| 2016 - 2017 |
48 mo. |
9.29% |
| |
60 mo. |
9.29% |
| 2011 - 2015 |
48 mo. |
9.74% |
| |
|
|
*Annual Percentage Rate (APR) and 100% financing (including tax, title, and license) available to qualified borrowers. Actual rate quoted is based on credit worthiness, model year, and term.
* Annual Percentage Yield (APY)