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Loan Rates

Rates as of May 1, 2021

Heartland Credit Union is currently accepting pre-approval and purchase mortgage loan applications. If you would like to apply for a mortgage, please call 217-726-8877.

* If you are interesting in refinancing your mortgage, please be aware there may be a waiting list. Contact to the CU for more details.

Calculate your payment

Personal Loans

TermBranchRate
36 monthsHCU9.040 %
48 monthsHCU10.040 %
60 monthsHCU12.040 %

*The Annual Percentage Rates listed above are based on credit worthiness and term. Terms and Conditions apply.

Selected Rates current as of 7/23/2021, for approved customers.

Home Equity Loans - Closed End

TermBranchFirst Lien positionSecond Lien Position
60 monthsHCU3.500 % 4.75 %
84 monthsHCU3.500 % 5.250 %
120 monthHCU3.750 % 5.500 %

*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 7/23/2021, for approved customers.

Home Equity Lines of Credit

TermBranchRate
Instant Equity LoanHCU7.000 %
Prime Line Equity LoanHCU4.000 %

Selected Rates current as of 7/23/2021, for approved customers.


Auto Loans

Model Year Term APR
 2019 - Newer  48 mo.  1.79%
   60 mo.  1.79%
   72 mo.  1.99%
 2016 - 2018  48 mo.  2.09%
   60 mo.  2.09%
   72 mo.  2.34%
 2014 - 2015  48 mo.  2.49%
   60 mo.  2.49%
   72 mo.  2.99%
 2012- 2013  48 mo.  4.84%
   60 mo.  4.84%
 2008 - 2011  48 mo.  6.34%

*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. Offer valid on new loans only, applications dated after 10/30/2020. 

Recreational Loans(motorcycles, motorhomes, boats, ATV)

Model Year Term APR
 2018 - Newer  48 mo.  5.29%
   60 mo.  5.54%
 2015 - 2017  48 mo.  5.29%
   60 mo.  5.54%
 2013 - 2014  48 mo.  5.74%
   60 mo.  5.74%
 2011 - 2012  48 mo.  6.79%
   60 mo.  6.79%
 2007 - 2010  48 mo.  7.64%
     

*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.