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Ready Cash Plus (Line of Credit)

For when life happens

Cash whenever you need it.

  • Overview

    Protect yourself from unexpected costs

    Mistakes happen and life is full of unexpected events—we get it. With a Ready Cash Plus (Line of Credit Loan), you’ll always be prepared. So when you forget to enter that last purchase amount in your check register, the car repairs cost way more than you planned, or you’ve simply miscalculated, we’ll automatically transfer the funds from your Ready Cash Plus to cover you. Think of it as an extra layer of protection—this line of credit loan costs you nothing to have available, accrues interest only when you draw from it and can be paid off as quickly as you want to save on interest.

    Cash when you need it

    Revolving line of credit.

    Flexible payment options

    Make it work for you.

    No early payment fees

    Pay off your balance anytime to avoid additional days of interest.

  • Rates
    Rates Effective as of: 06-17-2021
    TypeAPR*Terms
    Signature Loan***As low as 11.49%Up to 5 Years
    Visa Platinum, Student & Business+++++As low as 8.90% Variable APR* Revolving Line
    Visa Platinum Rewards+++++As low as 9.90% Variable APR*Revolving Line
    Visa Signature+++++ As low as 11.90% Variable APR*Revolving Line
    Share Secured (minimum rate 3.00%)2.00% over share rateUp to 5 Years
    CD Secured (minimum rate 3.00%)2.00% over CD rateUp to 5 Years
    Ready Cash Plus15.00%Revolving Line

    *APR is annual percentage rate. Auto pay from an active Heartland Checking account is required to receive the lowest quoted rate on collateral, home equity closed end, and signature loans. Add .25% without auto pay. These rates are in effect as of 11/1/2020 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.

    +++++ Transaction Fees: Foreign Transaction – 1% of U.S. dollar transaction amount. Annual Percentage Rate (APR) for purchases, balance transfers and cash advances: Visa Platinum-8.90%-12.90% APR. Visa Platinum Rewards-9.90%-13.90% APR. Visa Signature -11.90%-15.90% APR. These APRs are variable and based on your credit worthiness and uses the Wall Street Journal Prime rate as its index. Rates are subject to change semi-annually.

  • FAQs
    • Your payment will be automatically transferred to your loan from your Heartland checking account on the 28th of the month. You can also make your payments through Online Banking, Mobile Banking, check or by calling us to transfer a payment from your Heartland account at (651) 451-5160 or (800) 813-9185. We cannot make payments for you from another financial.

    • Yes. You can pay down your Ready Cash Plus balance as soon as you’d like. The quicker you pay down the balance the less interest you’ll pay. If you want to payoff and close your Ready Cash Plus loan please contact us to get an accurate payoff amount.

    • You can transfer money from your Ready Cash Plus to your Heartland Checking or Savings account via Online Banking or Mobile Banking or call us at (651) 451-5160 or (800) 813-9185 and we can transfer it to your Heartland Checking or Savings.

    • You could be approved the same day if you meet our credit criteria and funds would be available the same day. If your application needs to be reviewed further by an underwriter, you should receive a decision within the same day or following day. If you’ve applied and you do not meet our criteria, you will be notified of a decision on your application within two business days.

    • No, there are no fees to have it available in case you need it. You’ll only pay interest when you use it.

    • A Ready Cash Plus is best used as an emergency source of funds when you need it and overdraft protection, in case your Heartland Checking account doesn’t have enough funds in it to cover your purchases.

Thanks again to Heartland CU for coming thru during a vehicle breakdown. I have been a member of Heartland for approx. 25 years and no other credit union gives the 'personal touch' as you folks do.  I will remain a member for my lifetime.

Mark L.

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