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Loan Rates
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Certificates of Deposit
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Certificate of Deposit (Minimum opening deposit of $500)
| Terms | Dividend Rate | APY* |
|---|---|---|
| 6 Months | 1.74% | 1.75% |
| 12 Months | 2.23% | 2.25% |
| 13-Month Special.+ | 3.21% | 3.25% |
| 18 Months | 2.23% | 2.25% |
| 24 Months | 1.99% | 2.00% |
| 36 Months | 1.99% | 2.00% |
| 48 Months | 2.23% | 2.25% |
| 60 Months | 2.23% | 2.25% |
*APY is annual percentage yield. Rates quoted are in effect 7/1/2026 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 funds without being charged an early withdrawal penalty.
+13 Month CD Special: Rate effective 7/1/2026. At maturity, the balance of the certificate will automatically roll into a 12 month term certificate at the current rate at that time. Offer subject to change.
Money Market/Business Money Market
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Money Market/Business Money Market
| Money Market/Business Money Market | Dividend | APY* |
|---|---|---|
| $0.01 - $9,999.99 | 0.10% | 0.10% |
| $10,000 – $49,999.99 | 0.25% | 0.25% |
| $50,000 – $99,999.99 | 0.40% | 0.40% |
| $100,000+ | 0.50% | 0.50% |
*APY is annual percentage yield. Rates quoted are in effect 7/1/2026 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.
IRA and Coverdell Savings
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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 1/1/2026 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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Basic Savings Accounts
| Basic Savings Accounts | Dividened | APY* |
|---|---|---|
| Primary Savings ($5 min. to open) | 0.05% | 0.05% |
| Youth Savings ($5 min to open) Up to $10,000 | 2.521% | 2.55% |
| Business Savings ($5 min. to open) | 0.05% | 0.05% |
| Secondary Savings Accounts ($5 min. to open) | 0.05% | 0.05% |
| High-Yield Savings -$10,000+ | 2.521% | 2.55% |
| $0.01-$9,999.99 | 0.747% | 0.75% |
*APY is annual percentage yield. Rates quoted are in effect 7/1/2026 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.
Business Checking
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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 7/1/2026 and are subject to change. If interest is paid to another account, APY may vary.
High-Yield Checking
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Incentive Checking Rates
| Incentive Checking* | Dividend | APY** |
|---|---|---|
| $0.00-$20,000 (requirements met) | 1.74% | 1.75% |
| $20,000.01+ (requirements met) | 0.05% | 0.05% |
| $0.01+ (requirements not met) | 0.00% | 0.00% |
* To receive dividends the following requirements must be met per month: (1) one payroll direct deposit of $250 or more, (2) enrolled in eStatements with a valid email address and (3) 12 Novation debit OR credit card purchase transactions that must average at least $5, excluding cash advances, ATM transactions, returned purchases, disputed or unauthorized/fraudulent transactions, or fees caused by check card use. Debit and credit card transactions CANNOT be combined to meet the 12 transactions minimum. Accounts that meet the requirements will earn tiered dividends—a higher rate on balances up to $20,000 and a lower rate on balances exceeding $20,000. No dividends earned if requirements are not met. Incentive Checking rates and program subject to change.
**APY is annual percentage yield. Rates quoted are in effect 7/1/2026 and are subject to change. If interest is paid to another account, APY may vary.
Free 55 Checking
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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 6/1/2026 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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Recreational Vehicle Loans
| Type | Model Year | APR* (as low as) | Term |
|---|---|---|---|
| New & Used Recreational Vehicles*** RV, Ice House, Boat, Motorcycle, ATVs, Snowmobiles, Jet Ski | 2021-2026 | 6.75% | Up to 84 Months |
| New and Used Recreational *** RV, Ice House, Trailer, Boat, Motorcycle, ATVs, Snowmobiles, Jet Ski | 2021-2026 | 7.50% | 85-180 Months |
| Older Recreational Vehicles*** RV, Ice House, Trailer, Boat, Motorcycle, ATVs, Snowmobiles, Jet Ski | 2020 and older | 7.75% | Up to 84 Months |
| Older Recreational Vehicles*** RV, Ice House, Trailer, Boat, Motorcycle, ATVs, Snowmobiles, Jet Ski | 2020 and older | 8.50% | 85-180 Months |
*APR is annual percentage rate. These rates are in effect as of 7/1/2026 and are subject to change. Rates may vary based upon credit history. Other terms are available. Please contact the Novation loan department for details regarding how your rate is determined.
Home Improvement Loans
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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 |
*APR is annual percentage rate. These rates are in effect as of 6/1/2026 and are subject to change.
+*Home Improvement Loan (Unsecured) – Rate effective 6/1/2026 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 6/1/2026 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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Personal Loans
| Type | APR* (as low as) | Terms |
|---|---|---|
| Lifestyle Loan*** | As low as 11.49% | Up to 5 Years |
| Share Secured (minimum rate 3.50%) | 3.00% over share rate | Up to 5 Years |
| CD Secured (minimum rate 3.50%) | 3.00% over CD rate | Up to 5 Years |
| Line of Credit | 12.50% | Revolving Line |
*APR is annual percentage rate. These rates are in effect as of 7/1/2026 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 11.49% APR would be 60 monthly payments of $21.99 per $1,000 borrowed.
Home Free Loans
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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. These rates are in effect as of 6/1/2026 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. 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. 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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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 |
+++++ Transaction Fees: Foreign Transaction – 1% of U.S. dollar transaction amount. Rate are non variable. 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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Home Equity Closed End Loan – 80% LTV
| Type | APR (as low as)* | Terms |
|---|---|---|
| Home Equity Closed End*** | 5.49% | Up to 60 months |
| Home Equity Closed End*** | 5.99% | 61-120 Months |
| Home Equity Closed End*** | 6.49% | 121-180 Months |
*APR is annual percentage rate. These rates are in effect as of 7/1/2026 and are subject to change.
***Rates may vary based upon credit history. Other terms are available. Please contact us 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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Home Equity Closed End Loan – 90% LTV
| Type | APR (as low as)* | Terms |
|---|---|---|
| Home Equity Closed End*** | 7.19% | Up to 60 months |
| Home Equity Closed End*** | 7.69% | 61-120 months |
| Home Equity Closed End*** | 8.19% | 121-180 months |
*APR is annual percentage rate. These rates are in effect as of 6/1/2026 and are subject to change.
***Rates may vary based upon credit history. Other terms are available. Please contact us 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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Home Equity Line of Credit – Open End
| Type | APR* (Variable Rate) | Terms |
|---|---|---|
| HELOC – Up to 80% LTV** | 6.75% | Revolving Line |
| HELOC – Up to 90% LTV** | 7.50% | Revolving Line |
*APR is annual percentage rate. These rates are in effect as of 7/1/2026 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 18% APR. Closing cost range for the Home Equity Line of Credit is $100 – $750.
Auto Loans
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Vehicle Loans
| Type | Model Year | APR*(as low as) | Terms |
|---|---|---|---|
| New & Used Vehicle*** | 2021 and Newer | 4.69% | Up to 36 Months |
| New & Used Vehicle*** | 2021 and Newer | 5.19% | 37-60 Months |
| New & Used Vehicle*** | 2021 and Newer | 5.44% | 61-72 Months |
| New & Used Vehicle*** | 2021 and Newer | 5.69% | 73 to 84 Months - min. $25,000 |
| Older Vehicle*** | 2020 and Older | 5.19% | Up to 36 Months |
| Older Vehicle*** | 2020 and Older | 5.69% | 37-60 Months |
| Older Vehicle*** | 2020 and Older | 6.19% | 61-72 Months - min $20,000 |
*APR is annual percentage rate. These rates are in effect as of 7/1/2026 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.
++++ Auto Loan: Example of a 60 month fixed rate monthly payment at 5.49% APR would be 60 monthly payments of $19.14 per $1,000 borrowed.
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