Home equity is the amount of your home that you actually own. Specifically, equity is the difference between what your home is worth and what you owe your lender. As you make payments on your mortgage, you reduce the balance of your loan and you build equity.
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Certificates of Deposit
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Rates Effective as of: 12-15-2025
Certificate of Deposit Standard/IRA (Minimum opening deposit of $100 & above)
| Terms | Dividend Rate | APY* |
|---|---|---|
| 6 Months | 1.74% | 1.75% |
| 7-Month Special. No min. to open.+ | 3.22% | 3.25% |
| 12 Months | 2.23% | 2.25% |
| 18 Months | 2.23% | 2.25% |
| 24 Months | 1.99% | 2.00% |
| 36 Months | 1.99% | 2.00% |
| 48 Months | 2.48% | 2.50% |
| 60 Months | 2.48% | 2.50% |
*APY is annual percentage yield. Rates quoted are in effect 12/1/2025 and are subject to change. Any early withdrawal penalty may reduce earnings on certificates.
Compounding Frequency. For all term share certificates offered, the dividends will be compounded and credited to your account every quarter and at maturity. Alternatively, you may choose to have dividends paid to you or to another account quarterly and at maturity rather than credited to this account.
Daily Balance Computation Method. Dividends are calculated by the daily balance method, which applies a daily periodic rate to your balance each day.
Withdrawal of Dividends Prior to Maturity. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal may reduce earnings.
Marketwatcher option allows you to increase your rate during the term one time to the current Heartland rate by notifying us and adding $1,000 to your certificate. Your maturity date will remain the same and you will earn the higher rate for the remaining certificate term.
You will have a grace period of ten calendar days after maturity to withdrawal the funds without being charged an early withdrawal penalty.
+7 Month CD Special: Rate effective 12/1/2025. At maturity, the balance of the certificate will automatically roll into a six month term certificate at the current rate at that time. Offer subject to change. Marketwatcher feature not available.
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Rates Effective as of: 12-15-2025
Certificate of Deposit Jumbo/IRA (Minimum opening deposit of $10,000 & above)
| Terms | Dividend Rate | APY* |
|---|---|---|
| 6 Months | 1.99% | 2.00% |
| 7-Month-Special. No min. to open.+ | 3.22% | 3.25% |
| 12 Months | 2.48% | 2.50% |
| 18 Months | 2.48% | 2.50% |
| 24 Months | 2.23% | 2.25% |
| 36 Months | 2.23% | 2.25% |
| 48 Months | 2.72% | 2.75% |
| 60 Months | 2.72% | 2.75% |
*APY is annual percentage yield. Rates quoted are in effect 12/1/2025 and are subject to change. Any early withdrawal penalty may reduce earnings on certificates.
Compounding Frequency. For all term share certificates offered, the dividends will be compounded and credited to your account every quarter and at maturity. Alternatively, you may choose to have dividends paid to you or to another account quarterly and at maturity rather than credited to this account.
Daily Balance Computation Method. Dividends are calculated by the daily balance method, which applies a daily periodic rate to your balance each day.
Withdrawal of Dividends Prior to Maturity. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal may reduce earnings.
Marketwatcher option allows you to increase your rate during the term one time to the current Heartland rate by notifying us and adding $1,000 to your certificate. Your maturity date will remain the same and you will earn the higher rate for the remaining certificate term.
You will have a grace period of ten calendar days after maturity to withdrawal the fund without being charged an early withdrawal penalty.
+7 Month CD Special: Rate effective 12/01/2025. At maturity, the balance of the certificate will automatically roll into a six month term certificate at the current rate at that time. Offer subject to change. Marketwatcher feature not available.
Money Market/Business Money Market
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Rates Effective as of: 12-15-2025
Money Market/Business Money Market
| Money Market/Business Money Market | Dividend | APY* |
|---|---|---|
| Up to $2,499.99+ | 0.10% | 0.10% |
| $2,500 – $9,999.99 | 0.10% | 0.10% |
| $10,000 – $24,999.99 | 0.20% | 0.20% |
| $25,000 – $49,999.99 | 0.30% | 0.30% |
| $50,000 – $74,999.99 | 0.40% | 0.40% |
| $75,000 – $99,999.99 | 0.40% | 0.40% |
| $100,000 + | 0.50% | 0.50% |
*APY is annual percentage yield. Rates quoted are in effect 12/1/2025 and are subject to change. If interest is paid to another account, APY may vary.
Minimum $2,500 to open
+Balances under $2,500 will incur a fee. Refer to fee schedule.
Dividends are compounded and paid monthly.
Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.
IRA and Coverdell Savings
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Rates Effective as of: 12-15-2025
IRA and Coverdell Savings ($50 to open)
| IRA and Coverdell Savings ($50 to open) | Dividend | APY* |
|---|---|---|
| $0.01 – $2,499.99 | 0.05% | 0.05% |
| $2,500 – $9,999.99 | 0.05% | 0.05% |
| $10,000 + | 0.05% | 0.05% |
*APY is annual percentage yield. Rates quoted are in effect 12/1/2025 and are subject to change. If interest is paid to another account, APY may vary.
Dividends are compounded and paid monthly.
Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.
Basic Savings Accounts
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Rates Effective as of: 12-15-2025
Basic Savings Accounts
| Basic Savings Accounts | Dividened | APY* |
|---|---|---|
| Primary Share Savings ($5 min. to open) | 0.05% | 0.05% |
| Youth Savings ($5 min. to open) | 0.05% | 0.05% |
| Business Savings ($5 min. to open) | 0.05% | 0.05% |
| Secondary Savings Accounts ($5 min. to open) | 0.05% | 0.05% |
| Automatic Savings ($10 min. to open) | 2.82% | 2.85% |
*APY is annual percentage yield. Rates quoted are in effect 12/1/2025 and are subject to change. If interest is paid to another account, APY may vary. Dividends are compounded and paid monthly.
Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.
Automatic Savings Account – Minimum automatic deposit of $10 per month is required. Additional deposits allowed anytime. Refer to the fee schedule for account details.
+Anticipated dividend (interest)
Business Checking
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Rates Effective as of: 12-15-2025
Business Checking Rates
| Business Checking +* | Dividend | APY** |
|---|---|---|
| $0.01-$2,499.99 | 0.05% | 0.05% |
| $2,500 | 0.05% | 0.05% |
* $30 min. to open
+ Checking Accounts: Dividends are compounded and paid monthly. Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.
**APY is annual percentage yield. Rates quoted are in effect 12/1/2025 and are subject to change. If interest is paid to another account, APY may vary.
High-Yield Checking
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Rates Effective as of: 12-15-2025
High-Yield Checking Rates
| High-Yield Checking +**^ | Dividend | APY** |
|---|---|---|
| $0.01-$20,000 (requirements met) | 4.91% | 5.00% |
| $20,000.01+ (requirements met) | 0.05% | 0.05% |
| $0.01+ (requirements not met) | 0.00% | 0.00% |
+ Dividends are compounded and paid monthly. Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account. If requirements are met, a higher rate will be paid for the first $20,000 and a lower rate will be paid for any amounts over $20,000. If requirements are not met, you will not earn a dividend rate on your entire balance.
**APY is annual percentage yield. Rates quoted are in effect 12/1/2025 and are subject to change. If interest is paid to another account, APY may vary.
^ Requirements:
1. Have a minimum monthly qualified direct deposit of $500 in salary, pension, social security or other regular income electronically deposited through the Automated Clearing House (ACH) network to this checking account by an employer or an outside agency.
2. Make 20 debit card purchases. Conduct a minimum of 20 debit card purchase transactions made in good faith, initiated and cleared per calendar month.
Free 55 Checking
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Rates Effective as of: 12-15-2025
Free 55 Checking Rates
| Free 55 Checking +* | Dividend | APY** |
|---|---|---|
| $0.01 – $2,499.99 | 0.05% | 0.05% |
| $2,500 + | 0.05% | 0.05% |
*$30 min. to open'
+ Checking Accounts: Dividends are compounded and paid monthly. Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.
**APY is annual percentage yield. Rates quoted are in effect 12/1/2025 and are subject to change. If interest is paid to another account, APY may vary.
Recreational Vehicle Loans
Includes RVs, Boats, ATVs, Motorcycles, Ice Houses etc.
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Rates Effective as of: 12-15-2025
Recreational Vehicle Loans
| Type | Model Year | APR* (as low as) | Term |
|---|---|---|---|
| New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) | 2026-2016 | 6.79% | Up to 4 Years |
| New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) | 2026-2016 | 6.99% | Up to 5 Years |
| New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) | 2026-2016 | 7.19% | Up to 6 Years |
| New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) | 2026-2016 | 7.39% | Up to 7 Years |
| New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) | 2026-2016 | 7.59% | Up to 10 years**** |
| Older Recreational Vehicles*** (Motorcycles, boats & RVs) | 2015 & older | 7.79% | Up to 3 Years |
| Older Recreational Vehicles*** (Motorcycles, boats & RVs) | 2015 & older | 7.79% | Up to 4 Years |
| New Untitled Vehicles*** (Four wheeler, snowmobile, personal watercraft etc.) | 2026-2025 | 7.79% | Up to 5 Years |
| Used Untitled Vehicles*** (Four wheeler, snowmobile, personal watercraft etc.) | 2024 & older | 7.99% | Up to 5 Years |
*APR is annual percentage rate. Auto pay from an active Heartland Checking account is required to receive the lowest quoted rate on auto, recreational, signature, home equity closed end, and home improvement loans. Add .50% without auto pay. These rates are in effect as of 12/1/2025 and are subject to change.
***Rates may vary based upon credit history. Other terms are available. Please contact the Heartland loan department for details regarding how your rate and term is determined.
****Term good for loans of $35,000 or more.
Home Improvement Loans
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Rates Effective as of: 12-15-2025
Home Improvement Loans
| Type | APR*(as low as) | Term |
|---|---|---|
| Home Improvement+* (Secured) – Max loan amt. $100,000 | 10.49% | Up to 5 years |
| Home Improvement+* (Secured) – Max loan amt. $100,000 | 10.79% | Up to 8 years |
| Home Improvement+* (Secured) – Max loan amt. $100,000 | 10.99% | Up to 10 years |
| Home Improvement+* (Secured) – Max loan amt. $100,000 | 11.29% | Up to 15 years |
| Home Improvement+* (Unsecured) – Max loan amt. $7,500 | 11.49% | Up to 5 years |
| Home Improvement+* (Unsecured) – Max loan amt. $7,500 | 11.99% | Up to 10 years |
| Home Improvement+* (Unsecured) – Max loan amt. $7,500 | 12.29% | Up to 15 years |
*APR is annual percentage rate. Auto pay from an active Heartland Checking account is required to receive the lowest quoted rate on auto, recreational, signature, home equity closed end, and home improvement loans. Add .50% without auto pay. These rates are in effect as of 12/1/2025 and are subject to change.
+*Home Improvement Loan (Unsecured) – Rate effective 12/1/25 and subject to change without notice. Payment on a 5 year term at 11.49% APR is $21.99 per $1,000 borrowed. Not all applicants will qualify for a Home Improvement (Unsecured) Loan. Rate varies based on credit history. Improvements must be made on Primary Home and copies of bid and/or receipts are required. Consult a tax advisor for information regarding the deductibility of interest and charges. Loan amounts up to $7,500. Term up to 10 years.
+*Home Improvement Loan (Secured) – Rate effective 12/1/25 and subject to change without notice. Payment on a 15 year term at 11.29% APR is $115.49 per $10,000 borrowed. Not all applicants will qualify for a Home Improvement (Secured) Loan. Rate varies based on credit history. Improvements must be made on Primary Home (mobile homes do not qualify) and copies of bid and/or receipts are required. Consult a tax advisor for information regarding the deductibility of interest and charges. Loan amounts up to $100,000. Term up to 15 years. Minnesota and Wisconsin properties only. Closing costs do apply. LTV up to 133%.
Personal Loans
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Rates Effective as of: 12-15-2025
Personal Loans
| Type | APR* (as low as) | Terms |
|---|---|---|
| Signature Loan*** | As low as 11.99% | Up to 5 Years |
| Share Secured (minimum rate 3.00%) | 2.00% over share rate | Up to 5 Years |
| CD Secured (minimum rate 3.00%) | 2.00% over CD rate | Up to 5 Years |
| Ready Cash Plus | 15.00% | Revolving Line |
*APR is annual percentage rate. Auto pay from an active Heartland Checking account is required to receive the lowest quoted rate on auto, recreational, signature, home equity closed end, and home improvement loans. Add .50% without auto pay. These rates are in effect as of 12/1/2025 and are subject to change.
***Rates may vary based upon credit history. Please contact the Heartland loan department for details regarding how your rate and term is determined. Example of a 5-year-fixed rate monthly payment at 11.99% APR would be 60 monthly payments of $22.34 per $1,000 borrowed.
+++++ +++++ Transaction Fees: Foreign Transaction – 1% of U.S. dollar transaction amount. Annual Percentage Rate (APR) for purchases, balance transfers and cash advances: Visa Platinum-10.90%-14.90% APR. Visa Platinum Rewards-11.90%-15.90% APR. Visa Signature -13.90%-17.90% APR. These APRs are based on your credit worthiness.
Home Free Loans
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Rates Effective as of: 12-15-2025
Home Free
| Type | APR*(as low as) | Terms |
|---|---|---|
| Home Free – No Closing Costs+++ | 6.49% | 10 years |
| Home Free+** | 6.99% | 15 years |
Financing available on owner occupied residences in Minnesota and Wisconsin only.
*APR is annual percentage rate. Not eligible for auto pay discount. These rates are in effect as of 12/1/2025 and are subject to change. Rates may vary based on credit history.
+++Home Free 10 year: Loans paid off within the first year are required to repay closing costs. Fees may apply to ensure Heartland’s title position. Mortgage must be in the first position in the chain of title. Property insurance required. Consult a tax advisor for information regarding the deductibility of interest and charges. Heartland does not escrow for taxes and insurance. Not eligible for .25% APR discount for auto pay. Loan amounts from $50,000 – $400,000
+**Home Free 15 year: Fees may apply to ensure Heartland’s title position. Mortgage must be in the first position in the chain of title. Property insurance required. Consult a tax advisor for information regarding the deductibility of interest and charges. Heartland does not escrow for taxes and insurance. Not eligible for .25% APR discount for auto pay. Loan amounts from $50,000 – $400,000. Closing costs: $499 for loans $50,000-$100,000. $999 for loans $100,001 – $400,000. Max loan amount $400,000.
Credit Cards
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Rates Effective as of: 12-15-2025
Credit Cards
| Type | APR* | Terms |
|---|---|---|
| Visa Platinum, Student & Business+++++ | 10.90%-14.90% APR* | Revolving Line |
| Visa Platinum Rewards+++++ | 11.90%-15.90% APR* | Revolving Line |
| Visa Signature+++++ | 13.90%-17.90% APR* | Revolving Line |
*APR is annual percentage rate. Auto pay from an active Heartland Checking account is required to receive the lowest quoted rate on auto, recreational, signature, home equity closed end, and home improvement loans. Add .50% without auto pay. These rates are in effect as of 12/1/2025 and are subject to change.
***Rates may vary based upon credit history. Please contact the Heartland loan department for details regarding how your rate and term is determined. Example of a 5-year-fixed rate monthly payment at 12.29% APR would be 60 monthly payments of $22.49 per $1,000 borrowed.
+++++ +++++ Transaction Fees: Foreign Transaction – 1% of U.S. dollar transaction amount. Annual Percentage Rate (APR) for purchases, balance transfers and cash advances: Visa Platinum-10.90%-14.90% APR. Visa Platinum Rewards-11.90%-15.90% APR. Visa Signature -13.90%-17.90% APR. These APRs are based on your credit worthiness.
Home Equity Loans
Home Equity Closed End Loan – 80% LTV
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Rates Effective as of: 12-15-2025
Home Equity Closed End Loan – 80% LTV
| Type | APR (as low as)* | Terms |
|---|---|---|
| Home Equity Closed End*** | 6.19% | Up to 5 years |
| Home Equity Closed End*** | 6.39% | Up to 8 years |
| Home Equity Closed End*** | 6.59% | Up to 10 years |
| Home Equity Closed End*** | 6.79% | Up to 15 years |
*APR is annual percentage rate. Auto pay from an active Heartland Checking account is required to receive the lowest quoted rate on auto, recreational, signature, home equity closed end, and home improvement loans. Add .50% without auto pay. These rates are in effect as of 12/1/2025 and are subject to change.
***Rates may vary based upon credit history. Other terms are available. Please contact the Heartland loan department for details regarding how your rate and term is determined. Closing cost range for the Home Equity Closed End is $100 – $750.
Home Equity Closed End Loan – 90% LTV
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Rates Effective as of: 12-15-2025
Home Equity Closed End Loan – 90% LTV
| Type | APR (as low as)* | Terms |
|---|---|---|
| Home Equity Closed End*** | 7.19% | Up to 5 years |
| Home Equity Closed End*** | 7.39% | Up to 8 years |
| Home Equity Closed End*** | 7.59% | Up to 10 years |
| Home Equity Closed End*** | 7.79% | Up to 15 years |
*APR is annual percentage rate. Auto pay from an active Heartland Checking account is required to receive the lowest quoted rate on auto, recreational, signature, home equity closed end, and home improvement loans. Add .50% without auto pay. These rates are in effect as of 12/1/2025 and are subject to change.
***Rates may vary based upon credit history. Other terms are available. Please contact the Heartland loan department for details regarding how your rate and term is determined. Closing cost range for the Home Equity Closed End is $100 - $750
Home Equity Line of Credit – Open End
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Rates Effective as of: 12-15-2025
Home Equity Line of Credit – Open End
| Type | APR* (Variable Rate) | Terms |
|---|---|---|
| HELOC – Up to 80% LTV** | 7.75% | Revolving Line |
| HELOC – Up to 90% LTV** | 8.25% | Revolving Line |
*APR is annual percentage rate. Not eligible for auto pay discount. These rates are in effect as of 12/1/2025 and are subject to change. Rates may vary based on credit history.
**Home Equity Line of Credit rate is variable and subject to change quarterly. The maximum APR for a Home Equity Line of Credit is 15.5% APR. Closing cost range for the Home Equity Line of Credit is $100 – $750. LTV is Loan to Value.
Auto Loans
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Rates Effective as of: 12-15-2025
Auto Loans
| Type | Model Year | APR*(as low as) | Terms |
|---|---|---|---|
| New & Used Autos*** | 2026-2016 | 4.99% | Up to 2 Years |
| New & Used Autos*** | 2026-2016 | 5.19% | Up to 3 Years |
| New & Used Autos*** | 2026-2016 | 5.29% | Up to 4 Years |
| New & Used Autos*** | 2026-2016 | 5.49% | Up to 5 years++++ |
| New & Used Autos*** | 2026-2016 | 5.69% | Up to 6 years **** |
| New & Used Autos*** | 2025-2016 | 5.89% | Up to 7 years**** |
| Older Used Auto*** | 2015 & older | 6.49% | Up to 2 years |
| Older Used Auto*** | 2015 & older | 6.49% | Up to 3 years |
| Older Used Auto*** | 2015 & older | 6.79% | Up to 4 years |
*APR is annual percentage rate. Auto pay from an active Heartland Checking account is required to receive the lowest quoted rate on auto, recreational, signature, home equity closed end, and home improvement loans. Add .50% without auto pay. These rates are in effect as of 11/1/2025 and are subject to change..
***Rates may vary based upon credit history. Other terms are available. Please contact the Heartland loan department for details regarding how your rate and term is determined.
****Six-year term good for loans of $25,000 or more. Seven-year term good for loans of $35,000 or more.
++++ Auto Loan: Example of a 5-year-fixed rate monthly payment at 5.49% APR would be 60 monthly payments of $19.14 per $1,000 borrowed.