Best Loan Rates at Heartland Credit Union
Find loan rates below, including personal loans, auto loans, recreational vehicle loans, and more.
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Looking for a mortgage loan?
Heartland Credit Union is currently accepting pre-approval and purchase mortgage loan applications. If you would like to apply for a mortgage, please go to our mortgage page where you can choose a mortgage type, choose a lender, and apply online. Or call 217-726-8877 to receive personal service.
Personal Loans
| Term | Branch | Rate |
|---|
| 24 month | HCU | 9.500 % |
| 36 months | HCU | 11.500 % |
| 48 months | HCU | 12.500 % |
| 60 months | HCU | 14.500 % |
*The Annual Percentage Rates listed above are based on credit worthiness and term. Terms and Conditions apply.
Selected Rates current as of 6/18/2026, for approved members.
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 6/18/2026, for approved members.
Home Equity Lines of Credit
| Term | Branch | Rate |
|---|
| Instant Equity Loan | HCU | 7.000 % |
| Prime Line Equity Loan | HCU | 6.750 % |
Selected Rates current as of 6/18/2026, for approved members.
Auto Loans
| Model Year |
Term |
APR |
| 2024 - Newer |
51 mo. |
3.99% |
| |
66 mo. |
3.99% |
| |
72 mo. |
4.49% |
| |
78 mo. |
5.49% |
| 84 mo. | 5.84% |
| 2021 - 2023 |
51 mo. |
4.39% |
| |
66 mo. |
4.39% |
| |
72 mo. |
4.64% |
| 78 mo. | 5.64% |
| 2019 - 2020 |
51 mo. |
4.79% |
| |
66 mo. |
4.79% |
| |
72 mo. |
5.04% |
| 78 mo. | 6.04% |
| 2017 - 2018 |
51 mo. |
7.04% |
| |
66 mo. |
7.04% |
| 2011 - 2016 |
51 mo. |
7.49% |
*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 |
| 2024 - Newer |
51 mo. |
6.24% |
| |
66 mo. |
6.24% |
| 2021 - 2023 |
51 mo. |
6.39% |
| |
66 mo. |
6.39% |
| 2019 - 2020 |
51 mo. |
6.79% |
| |
66 mo. |
6.79% |
| 2017 - 2018 |
51 mo. |
9.04% |
| |
66 mo. |
9.04% |
| 2011 - 2016 |
51 mo. |
9.49% |
| |
|
|
*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)