Online Banking
Cross-Member Transfers:
Due to suspected fraud, cross-member transfers have been disabled in online banking. Scheduled transfers will not be affected.
Looking for extra cash this holiday season? Skip your auto, signature or recreational (toy) loan payment(s) for $40 per loan and put a little extra dough in your pocket for the holidays.
Make your skip request by the following date:
November 17 to skip your December payment.
December 15 to skip your January payment.
Requests received after these dates will be $65 per loan.
You are allowed to skip only one month.
Click here to see if your loan qualifies.
+ Business Accounts are not currently available on Mobile Banking
Rotate your phone sideways or swipe to the side to view full table.
| Terms | Dividend Rate | APY* |
|---|---|---|
| 6 Months | 1.74% | 1.75% |
| 7-Month-Special. No min. to open.+ | 3.22% | 3.25% |
| 12 Months | 2.23% | 2.25% |
| 18 Months | 2.23% | 2.25% |
| 24 Months | 1.99% | 2.00% |
| 36 Months | 1.99% | 2.00% |
| 48 Months | 2.48% | 2.50% |
| 60 Months | 2.48% | 2.50% |
*APY is annual percentage yield. Rates quoted are in effect 12/1/2025 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 funds without being charged an early withdrawal penalty.
+7 Month CD Special: Rate effective 12/1/2025. 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.
Rotate your phone sideways or swipe to the side to view full table.
| Terms | Dividend Rate | APY* |
|---|---|---|
| 6 Months | 1.99% | 2.00% |
| 7-Month-Special. No min. to open.+ | 3.22% | 3.25% |
| 12 Months | 2.48% | 2.50% |
| 18 Months | 2.48% | 2.50% |
| 24 Months | 2.23% | 2.25% |
| 36 Months | 2.23% | 2.25% |
| 48 Months | 2.72% | 2.75% |
| 60 Months | 2.72% | 2.75% |
*APY is annual percentage yield. Rates quoted are in effect 12/1/2025 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.
+7 Month CD Special: Rate effective 12/01/2025. 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.
Rotate your phone sideways or swipe to the side to view full table.
| 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 12/1/2025 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.
Rotate your phone sideways or swipe to the side to view full table.
| 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 12/1/2025 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.
Rotate your phone sideways or swipe to the side to view full table.
| 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) | 2.82% | 2.85% |
*APY is annual percentage yield. Rates quoted are in effect 12/1/2025 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)
Rotate your phone sideways or swipe to the side to view full table.
| 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 12/1/2025 and are subject to change. If interest is paid to another account, APY may vary.
Rotate your phone sideways or swipe to the side to view full table.
| 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 12/1/2025 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.
Rotate your phone sideways or swipe to the side to view full table.
| 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 12/1/2025 and are subject to change. If interest is paid to another account, APY may vary.
Includes RVs, Boats, ATVs, Motorcycles, Ice Houses etc.
Rotate your phone sideways or swipe to the side to view full table.
| Type | Model Year | APR* (as low as) | Term |
|---|---|---|---|
| New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) | 2026-2016 | 6.79% | Up to 4 Years |
| New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) | 2026-2016 | 6.99% | Up to 5 Years |
| New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) | 2026-2016 | 7.19% | Up to 6 Years |
| New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) | 2026-2016 | 7.39% | Up to 7 Years |
| New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) | 2026-2016 | 7.59% | Up to 10 years**** |
| Older Recreational Vehicles*** (Motorcycles, boats & RVs) | 2015 & older | 7.79% | Up to 3 Years |
| Older Recreational Vehicles*** (Motorcycles, boats & RVs) | 2015 & older | 7.79% | Up to 4 Years |
| New Untitled Vehicles*** (Four wheeler, snowmobile, personal watercraft etc.) | 2026-2025 | 7.79% | Up to 5 Years |
| Used Untitled Vehicles*** (Four wheeler, snowmobile, personal watercraft etc.) | 2024 & older | 7.99% | 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 12/1/2025 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.
Rotate your phone sideways or swipe to the side to view full table.
| 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 |
| 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 12/1/2025 and are subject to change.
+*Home Improvement Loan (Unsecured) – Rate effective 12/1/25 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 12/1/25 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%.
Rotate your phone sideways or swipe to the side to view full table.
| Type | APR* (as low as) | Terms |
|---|---|---|
| Signature Loan*** | As low as 11.99% | Up to 5 Years |
| 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 12/1/2025 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 11.99% APR would be 60 monthly payments of $22.34 per $1,000 borrowed.
+++++ +++++ 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.
Rotate your phone sideways or swipe to the side to view full table.
| 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 12/1/2025 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.
Rotate your phone sideways or swipe to the side to view full table.
| 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 |
*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 12/1/2025 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 12.29% APR would be 60 monthly payments of $22.49 per $1,000 borrowed.
+++++ +++++ 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.
Home Equity Closed End Loan – 80% LTV
Rotate your phone sideways or swipe to the side to view full table.
| Type | APR (as low as)* | Terms |
|---|---|---|
| Home Equity Closed End*** | 6.19% | Up to 5 years |
| Home Equity Closed End*** | 6.39% | Up to 8 years |
| Home Equity Closed End*** | 6.59% | Up to 10 years |
| Home Equity Closed End*** | 6.79% | 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 12/1/2025 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.
Home Equity Closed End Loan – 90% LTV
Rotate your phone sideways or swipe to the side to view full table.
| Type | APR (as low as)* | Terms |
|---|---|---|
| Home Equity Closed End*** | 7.19% | Up to 5 years |
| Home Equity Closed End*** | 7.39% | Up to 8 years |
| Home Equity Closed End*** | 7.59% | Up to 10 years |
| Home Equity Closed End*** | 7.79% | 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 12/1/2025 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
Home Equity Line of Credit – Open End
Rotate your phone sideways or swipe to the side to view full table.
| Type | APR* (Variable Rate) | Terms |
|---|---|---|
| HELOC – Up to 80% LTV** | 7.75% | Revolving Line |
| HELOC – Up to 90% LTV** | 8.25% | Revolving Line |
*APR is annual percentage rate. Not eligible for auto pay discount. These rates are in effect as of 12/1/2025 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.
Rotate your phone sideways or swipe to the side to view full table.
| Type | Model Year | APR*(as low as) | Terms |
|---|---|---|---|
| New & Used Autos*** | 2026-2016 | 4.99% | Up to 2 Years |
| New & Used Autos*** | 2026-2016 | 5.19% | Up to 3 Years |
| New & Used Autos*** | 2026-2016 | 5.29% | Up to 4 Years |
| New & Used Autos*** | 2026-2016 | 5.49% | Up to 5 years++++ |
| New & Used Autos*** | 2026-2016 | 5.69% | Up to 6 years **** |
| New & Used Autos*** | 2025-2016 | 5.89% | Up to 7 years**** |
| Older Used Auto*** | 2015 & older | 6.49% | Up to 2 years |
| Older Used Auto*** | 2015 & older | 6.49% | Up to 3 years |
| Older Used Auto*** | 2015 & older | 6.79% | 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 11/1/2025 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 5.49% APR would be 60 monthly payments of $19.14 per $1,000 borrowed.
You are leaving the Heartland Credit Union web site. The subsequent web site is not operated by the credit union, and the credit union is not responsible for the content of the web site. Heartland Credit Union does not represent either the third party or the member if the two enter into a transaction; and Privacy and security policies may differ from those practiced by the credit union.