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Loan Rates
Rates Effective: September 2, 2010

 Type  Model Year  APR* (as low as)  Terms
New & Used Autos*** 2010-2003 3.44% Up to 2 years
    4.14% Up to 3 years
    4.34% Up to 4 years
    4.44% Up to 5 years
    5.14% Up to 6 years****
    6.14% Up to 7 years ****
       
Older Used Auto*** 2002 & older 6.69% Up to 2 years
    7.69% Up to 3 years
    8.49% Up to 4 years
 Type  Dividend  APY*  Term
Auto Savings Loan++ -
Hybrid Auto Loan with an attached CD		 1.89% 1.90% CD Matures at the
end of the loan term
(Auto Loan with a built-in high-dividend earning CD. Simply add a minimum of $25 to your loan payment and we'll deposit it into a high-dividend earning CD. Auto Savings Loan rates are the same as the New & Used Auto and Older Used Auto rates listed above.)
 Type  Model Year  APR* (as low as)  Terms
New & Used Recreational Vehicles***

(Motorcycles, boats & RVs)

      
  2010-2003 5.94% Up to 3 years
    6.14% Up to 4 years
    6.19% Up to 5 years
    6.89% Up to 7 years
    7.89% Up to 10 years****
       
Older Recreational Vehicles***

(Motorcycles, boats & RVs)

      
  2002 & older 7.94% Up to 3 years
    8.24% Up to 4 years
       
New Untitled Vehicles***
(Four wheeler, snowmobile, personal watercraft etc.)		      
  2010 7.49% Up to 4 years
       
Used Untitled Vehicles***
(Four wheeler, snowmobile, personal watercraft etc.)		      
  2009 & older 8.49% Up to 4 years
       
Signature***   11.75% Up to 5 years
       
Computer Signature***   9.60% Up to 3 years
       
Home Equity Line of Credit**   3.50%-5.25% Revolving Line
Home Equity Closed End***   5.78% Up to 5 years
    6.19% Up to 8 years
    6.59% Up to 10 years
    7.09% Up to 15 years
       
Visa Gold Rewards**   9.90% Revolving Line
Visa Classic, Student & Business**   12.90% Revolving Line
       
Ready Cash Plus   15.00% 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

 

Looking for current mortgage rates? Contact a Heartland Loan Representative at (651) 451-5160 or
(800) 813-9185

 
*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 09/02/2010 and are subject to change. For current rates please call the Heartland office nearest you.

**Home Equity Line of Credit rate is variable and subject to change quarterly. Visa rate is variable and subject to change semi-annually.

*** 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.

**** Special qualifications are applicable.

+APY is annual percentage yield. Rates quoted are in effect 09/02/2010 and are subject to change.

++Withdrawals from Auto Savings Loan CD can be made penalty-free for vehicle repairs. Proof of repair is required. Withdrawal penalties for other purposes apply. See addendum from a Heartland Loan officer for complete product details and requirements.

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