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Rates

Enjoy the rates you deserve

We're committed to providing Heartland members with competitive loan, savings and checking rates.

  • Loan Rates
    • Please call (651) 451-5160 or (800) 813-9185 for current rates.

    • Rates Effective as of: 11-25-2020

      Auto Loans

      TypeModel YearAPR*(as low as)Terms
      New & Used Autos***2020-20132.99%Up to 2 Years
      New & Used Autos***2020-20132.99%Up to 3 Years
      New & Used Autos***2020-20132.99%Up to 4 Years
      New & Used Autos***2020-20132.99%Up to 5 years++++
      New & Used Autos***2020-20153.99%Up to 6 years
      New & Used Autos***2020-20154.99%Up to 7 years****
      Older Used Auto***2012 & older5.69%Up to 2 years
      Older Used Auto***2012 & older5.99%Up to 3 years
      Older Used Auto***2012 & older6.49%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 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. 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.

      ++++ An example of a 5-year fixed rate monthly payment at the quoted rate would be 60 monthly payments of $17.96 per $1,000 borrowed.

       

    • Rates Effective as of: 11-25-2020

      Recreational Vehicle Loans

      TypeModel YearAPR* (as low as)Term
      New & Used Recreational Vehicles*** (Motorcycles, boats & RVs)2020-20133.69%Up to 3 Years
      New & Used Recreational Vehicles*** (Motorcycles, boats & RVs)2020-20133.89% Up to 4 Years
      New & Used Recreational Vehicles*** (Motorcycles, boats & RVs)2020-20133.99% Up to 5 Years
      New & Used Recreational Vehicles*** (Motorcycles, boats & RVs)2020-20135.69%Up to 7 Years
      New & Used Recreational Vehicles*** (Motorcycles, boats & RVs)2020-20136.99%Up to 10 years****
      Older Recreational Vehicles*** (Motorcycles, boats & RVs)2012 & older5.69%Up to 3 Years
      Older Recreational Vehicles*** (Motorcycles, boats & RVs)2012 & older5.99%Up to 4 Years
      New Untitled Vehicles*** (Four wheeler, snowmobile, personal watercraft etc.)20203.99%Up to 4 Years
      Used Untitled Vehicles*** (Four wheeler, snowmobile, personal watercraft etc.)2019 & older4.99%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 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. 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.

    • Rates Effective as of: 11-25-2020

      Personal Loans and Credit Cards

      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.

    • Rates Effective as of: 11-25-2020

      Home Equity Closed End Loan – 80% LTV

      TypeAPR*Terms
      Home Equity Closed End***4.09%Up to 5 years
      Home Equity Closed End***4.59%Up to 8 years
      Home Equity Closed End***4.89%Up to 10 years
      Home Equity Closed End***5.29%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 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. 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.

    • Rates Effective as of: 11-25-2020

      Home Equity Closed End Loan – 90% LTV

      TypeAPR*Terms
      Home Equity Closed End***5.29%Up to 5 years
      Home Equity Closed End***5.79%Up to 8 years
      Home Equity Closed End***6.09%Up to 10 years
      Home Equity Closed End***6.19%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 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. 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

    • Rates Effective as of: 11-25-2020

      Home Equity Line of Credit – Open End

      TypeAPR*Terms
      HELOC – Up to 80% LTV**3.50%Revolving Line
      HELOC – Up to 90% LTV**4.00%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.

      **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.

    • Rates Effective as of: 11-25-2020

      Home Free

      TypeAPR*Terms
      Home Free – No Closing Costs+++2.99%10 years
      Home Free+**3.29%15 years

      Financing available on owner occupied residences in Minnesota and Wisconsin only.

      *APR is annual percentage rate. Rate effective 11/1/20 and subject to change without notice.

      +++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 – $250,000

      +**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 – $250,000. Closing costs: $499 for loans $50,000-$100,000. $999 for loans $100,001 – $250,000.Max loan amount $250,000.

    • Rates Effective as of: 11-25-2020

      Home Improvement Loans

      TypeAPR*(as low as)Term
      Home Improvement+* (Secured) – Max loan amt. $100,000 5.59%Up to 5 years
      Home Improvement+* (Secured) – Max loan amt. $100,000 6.09%Up to 8 years
      Home Improvement+* (Secured) – Max loan amt. $100,000 6.39%Up to 10 years
      Home Improvement+* (Secured) – Max loan amt. $100,000 6.79%Up to 15 years
      Home Improvement+* (Unsecured) – Max loan amt. $7,5008.39%Up to 5 years
      Home Improvement+* (Unsecured) – Max loan amt. $7,5009.39%Up to 8 years
      Home Improvement+* (Unsecured) – Max loan amt. $7,50010.39% Up to 10 years

      *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.

      +*Home Improvement Loan (Unsecured) – Rate effective 11/1/20 and subject to change without notice. Payment on a 5 year term at 8.39% APR is $20.46 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 11/1/20 and subject to change without notice. Payment on a 15 year term at 6.79% APR is $88.71 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%.

  • Savings Rates
    • Rates Effective as of: 11-25-2020

      Basic Savings Accounts

      Basic Savings AccountsDividenedAPY*
      Primary Share Savings ($5 min. to open)0.05%0.05%
      Bean Sprout ($5 min. to open)0.05%0.05%
      iSave 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)0.15%0.15%

      *APY is annual percentage yield. Rates quoted are in effect 11/1/2020 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. Refer to the fee schedule for account details.
      +Anticipated dividend (interest)

    • Rates Effective as of: 11-25-2020

      IRA and Coverdell Savings ($50 to open)

      IRA and Coverdell Savings ($50 to open)DividendAPY*
      $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 11/1/2020 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: 11-25-2020

      MoneyMaker/Business MoneyMaker

      MoneyMaker/Business MoneyMakerDividend APY*
      Up to $2,499.99+0.05% 0.05%
      $2,500 – $9,999.990.05% 0.05%
      $10,000 – $24,999.990.10%0.10%
      $25,000 – $49,999.990.10%0.10%
      $50,000 – $74,999.990.15%0.15%
      $75,000 – $99,999.990.15%0.15%
      $100,000 +0.20%0.20%

      *APY is annual percentage yield. Rates quoted are in effect 11/1/2020 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.

    • Rates Effective as of: 11-25-2020

      Certificates of Deposit

      Certificates of Deposit – IRAsTermsDividend RateAPY*
      $1,000 minimum6 Months 0.25%0.25%
      $10,000 minimum6 Months 0.30%0.30%
      $1,000 minimum12 Months0.35%0.35%
      $10,000 minimum12 Months0.40%0.40%
      $1,000 minimum18 Months0.50%0.50%
      $10,000 minimum18 Months0.60%0.60%
      $1,000 minimum24 Months0.60%0.60%
      $10,000 minimum24 Months0.70%0.70%
      $1,000 minimum36 Months0.80%0.80%
      $10,000 minimum 36 Months1.00%1.00%
      $1,000 minimum48 Months1.00%1.00%
      $10,000 minimum48 Months1.10%1.10%
      $1,000 minimum60 Months1.10%1.10%
      $10,000 minimum60 Months1.20%1.20%

      *APY is annual percentage yield. Rates quoted are in effect 11/1/2020 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 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.

    • Rates Effective as of: 11-25-2020

      Youth Certificate of Deposit Rates

      Youth Certificate of Deposit RatesTermDividend RateAPY*
      $100 minimum for Bean Sprout, iSave, Coverdell6 Months0.25% 0.25%
      $100 minimum for Bean Sprout, iSave, Coverdell12 Months0.35%0.35%
      $100 minimum for Bean Sprout, iSave, Coverdell18 Months0.50% 0.50%
      $100 minimum for Bean Sprout, iSave, Coverdell24 Months 0.60%0.60%
      $100 minimum for Bean Sprout, iSave, Coverdell36 Months0.80%0.80%
      $100 minimum for Bean Sprout, iSave, Coverdell48 Months1.00%1.00%
      $100 minimum for Bean Sprout, iSave, Coverdel60 Months1.10%1.10%

      *APY is annual percentage yield. Rates quoted are in effect 11/1/2020 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 rate by notifying us and adding $100 to your youth 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.

  • Checking Rates
    • Rates Effective as of: 11-25-2020

      Free 55 Checking Rates

      Free 55 Checking +*DividendAPY**
      $0.01 – $2,499.990.05%0.05%
      $2,500 + 0.05%0.05%

      *$25 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 11/1/2020 and are subject to change. If interest is paid to another account, APY may vary.

    • Rates Effective as of: 11-25-2020

      Business Checking Rates

      Business Checking +*DividendAPY**
      $0.01-$2,499.990.05%0.05%
      $2,5000.05%0.05%

      * $25 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 11/1/2020 and are subject to change. If interest is paid to another account, APY may vary.

    • Rates Effective as of: 11-25-2020

      Rewards Checking Rates

      Rewards Checking +***DividendAPY**
      $0.01-$2,499.990.05%0.05%
      $2,500.00 +0.05%0.05%

      ***$1000 min. to open. If monthly balance falls below $1,000 a maintenance fee of $10 will be charged. Rewards Checking also requires a minimum of 10 debt transactions per month to remain active. Inactive fee is $25.

      + 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 11/1/2020 and are subject to change. If interest is paid to another account, APY may vary.