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Loan Rates
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Please call (651) 451-5160 for current rates.
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Rates Effective as of: 10-08-2024
Auto Loans
Type Model Year APR*(as low as) Terms New & Used Autos*** 2025-2014 5.99% Up to 2 Years New & Used Autos*** 2025-2014 5.99% Up to 3 Years New & Used Autos*** 2025-2014 5.99% Up to 4 Years New & Used Autos*** 2025-2014 5.99% Up to 5 years++++ New & Used Autos*** 2025-2014 6.49% Up to 6 years **** New & Used Autos*** 2025-2014 6.69% Up to 7 years**** Older Used Auto*** 2013 & older 6.99% Up to 2 years Older Used Auto*** 2013 & older 6.99% Up to 3 years Older Used Auto*** 2013 & older 7.29% 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 10/1/2024 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 5.99% APR would be 60 monthly payments of $19.38 per $1,000 borrowed.
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Rates Effective as of: 10-08-2024
Recreational Vehicle Loans
Type Model Year APR* (as low as) Term New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) 2025-2014 6.99% Up to 3 Years New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) 2025-2014 7.29% Up to 4 Years New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) 2025-2014 7.49% Up to 5 Years New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) 2025-2014 7.59% Up to 7 Years New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) 2025-2014 7.79% Up to 10 years**** Older Recreational Vehicles*** (Motorcycles, boats & RVs) 2013 & older 7.79% Up to 3 Years Older Recreational Vehicles*** (Motorcycles, boats & RVs) 2013 & older 7.79% Up to 4 Years New Untitled Vehicles*** (Four wheeler, snowmobile, personal watercraft etc.) 2025-2023 7.99% Up to 5 Years Used Untitled Vehicles*** (Four wheeler, snowmobile, personal watercraft etc.) 2022 & older 8.19% 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 10/1/2024 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.
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Rates Effective as of: 10-08-2024
Personal Loans and Credit Cards
Type APR* Terms Signature Loan*** As low as 12.29% Up to 5 Years Visa Platinum, Student & Business+++++ As low as 10.90% APR* Revolving Line Visa Platinum Rewards+++++ As low as 11.90% APR* Revolving Line Visa Signature+++++ As low as 13.90% APR* Revolving Line 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 10/1/2024 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-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.
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Rates Effective as of: 10-08-2024
Home Equity Closed End Loan – 80% LTV
Type APR* Terms Home Equity Closed End*** 6.59% Up to 5 years Home Equity Closed End*** 6.79% Up to 8 years Home Equity Closed End*** 6.99% Up to 10 years Home Equity Closed End*** 7.19% 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 10/1/2024 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.
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Rates Effective as of: 10-08-2024
Home Equity Closed End Loan – 90% LTV
Type APR* Terms Home Equity Closed End*** 7.59% Up to 5 years Home Equity Closed End*** 7.79% Up to 8 years Home Equity Closed End*** 7.99% Up to 10 years Home Equity Closed End*** 8.19% 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 10/1/2024 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
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Rates Effective as of: 10-08-2024
Home Equity Line of Credit – Open End
Type APR* Terms HELOC – Up to 80% LTV** 8.75% Revolving Line HELOC – Up to 90% LTV** 9.25% Revolving Line *APR is annual percentage rate. Not eligible for auto pay discount. These rates are in effect as of 10/1/2024 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.
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Rates Effective as of: 10-08-2024
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 10/1/2024 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.
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Rates Effective as of: 10-08-2024
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 11.29% 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 10/1/2024 and are subject to change.
+*Home Improvement Loan (Unsecured) – Rate effective 10/1/24 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 10/1/24 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%.
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Savings Rates
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Rates Effective as of: 10-08-2024
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) 2.97% 3.00% *APY is annual percentage yield. Rates quoted are in effect 10/1/2024 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) -
Rates Effective as of: 10-08-2024
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 10/1/2024 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. -
Rates Effective as of: 10-08-2024
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 10/1/2024 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. -
Minimum opening balance of $100 & aboveRates Effective as of: 10-08-2024
Certificate of Deposit Standard/IRA
Terms Dividend Rate APY* 6 Months 2.48% 2.50% 12 Months 2.23% 2.25% 15 Month Special** - no min to open 4.43% 4.50% 18 Months 2.48% 2.50% 24 Months 2.48% 2.50% 36 Months 2.23% 2.25% 48 Months 2.23% 2.25% 60 Months 2.23% 2.25% *APY is annual percentage yield. Rates quoted are in effect 10/1/2024 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.
** 15 Month CD Special - Rate effective 10/1/2024. At maturity, the balance of the certificate will automatically roll into a twelve month term certificate at the current rate at the time. Offer subject to change. Marketwatcher feature not available.
Minimum opening balance of $10,000 & aboveRates Effective as of: 10-08-2024Certificate of Deposit Jumbo/IRA
Terms Dividend Rate APY* 6 Months 2.72% 2.75% 12 Months 2.48% 2.50% 15 Month Special** - No min. to open 4.43% 4.50% 18 Months 2.72% 2.75% 24 Months 2.72% 2.75% 36 Months 2.48% 2.50% 48 Months 2.48% 2.50% 60 Months 2.48% 2.50% *APY is annual percentage yield. Rates quoted are in effect 10/1/2024 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.
** 15 Month CD Special - Rate effective 10/1/2024. At maturity, the balance of the certificate will automatically roll into a twelve month term certificate at the current rate at the time. Offer subject to change. Marketwatcher feature not available.
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Checking Rates
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Rates Effective as of: 10-08-2024
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 10/1/2024 and are subject to change. If interest is paid to another account, APY may vary.
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Rates Effective as of: 10-08-2024
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 10/1/2024 and are subject to change. If interest is paid to another account, APY may vary.
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Rates Effective as of: 10-08-2024
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 10/1/2024 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.
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