Rates

*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 10/1/2023 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.

++++ Auto Loan: Example of a 5-year-fixed rate monthly payment at 6.99% APR would be 60 monthly payments of $19.86 per $1,000 borrowed.

*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 10/1/2023 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.

*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 10/1/2023 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.

*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 10/1/2023 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.

*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 10/1/2023 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

*APR is annual percentage rate. Not eligible for auto pay discount. These rates are in effect as of 10/1/2023 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.

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 10/1/2023 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.

*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 10/1/2023 and are subject to change.

+*Home Improvement Loan (Unsecured) – Rate effective 10/1/23 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 10/1/23 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%.

*APY is annual percentage yield. Rates quoted are in effect 10/1/2023 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)

*APY is annual percentage yield. Rates quoted are in effect 10/1/2023 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.

*APY is annual percentage yield. Rates quoted are in effect 10/1/2023 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.

*APY is annual percentage yield. Rates quoted are in effect 10/1/2023 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.

You will have a grace period of ten calendar days after maturity to withdrawal the fund without being charged an early withdrawal penalty.

9 Month CD Special: Rate effective 10/1/2023. Minimum balance required to open account or earn 5.30% APY is $25,000. Balance below $25,000 will earn 5.15% APY. 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.

*APY is annual percentage yield. Rates quoted are in effect 10/1/2023 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.

9 Month CD Special: Rate effective 10/1/2023. Minimum balance required to open account or earn 5.30% APY is $25,000. Balance below $25,000 will earn 5.15% APY. 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.

*APY is annual percentage yield. Rates quoted are in effect 10/1/2023 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.

9 Month CD Special: Rate effective 10/1/2023. Minimum balance required to open account or earn 5.30% APY is $25,000. Balance below $25,000 will earn 5.15% APY. 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.

*$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 10/1/2023 and are subject to change. If interest is paid to another account, APY may vary.

* $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 10/1/2023 and are subject to change. If interest is paid to another account, APY may vary.

***$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 10/1/2023 and are subject to change. If interest is paid to another account, APY may vary.