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Loan Rates


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.


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Personal Loans

TermBranchRate
24 monthHCU11.240 %
36 monthsHCU13.290 %
48 monthsHCU14.290 %
60 monthsHCU16.290 %

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

Selected Rates current as of 6/20/2024, for approved members.

Home Equity Loans - Closed End

TermBranchFirst Lien positionSecond Lien Position
60 monthsHCU6.000 % 7.500 %
84 monthsHCU6.250 % 7.750 %
120 monthHCU6.500 % 8.000 %

*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 6/20/2024, for approved members.

Home Equity Lines of Credit

TermBranchRate
Instant Equity LoanHCU7.500 %
Prime Line Equity LoanHCU8.500 %

Selected Rates current as of 6/20/2024, for approved members.


Auto Loans

Model Year Term APR
 2021 - Newer  48 mo.  5.49%
   60 mo.  5.49%
   72 mo.  5.74%
   84 mo.  7.09%
 2019 - 2020  48 mo.  5.64%
   60 mo.  5.64%
   72 mo.  5.89%
 2017 - 2018  48 mo.  6.04%
   60 mo.  6.04%
   72 mo.  6.29%
 2015 - 2016  48 mo.  8.04%
   60 mo.  8.04%
 2010 - 2014  48 mo.  8.49%

*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
 2021 - Newer  48 mo.  7.49%
   60 mo.  7.49%
 2019 - 2020  48 mo.  7.64%
   60 mo.  7.64%
 2017 - 2018  48 mo.  8.04%
   60 mo.  8.04%
 2015 - 2016  48 mo.  10.04%
   60 mo.  10.04%
 2010 - 2014  48 mo.  10.49%
     

*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)