Loan Rates

Mortgage Rates

Please call Ben, our mortgage lender at (651) 289-9512

Auto Loans

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Type Model Year APR*(as low as) Terms
New & Used Autos*** 2018-2011 2.79% Up to 2 Years
2018-2011 2.79% Up to 3 years
2018-2011 2.89% Up to 4 years
2018-2011 2.99% Up to 5 years++++
2018-2013 3.29% Up to 6 years
2018-2013 4.19% Up to 7 years****
Older Used Auto*** 2010 & older 4.79% Up to 2 years
2010 & older 5.09% Up to 3 Years
2010 & older 5.39% Up to 4 years

Auto loan for first-time buyers 16 and older with a parent or guardian as co-applicant. 0.50% loan rate discount, as shown, if payment is made with auto pay from student’s Heartland checking account. Add as little as $10 to loan payment and we’ll deposit it to a certificate of deposit that earns a rate equal to the Heartland 60 month CD. See current savings rates.

Type Model Year APR*(as low as) Terms
New & Used Student Auto***+ 2018-2011 2.54% Up to 2 years
2018-2011 2.54% Up to 3 years
2018-2011 2.64% Up to 4 years
2018-2011 2.74% Up to 5 years
2018-2013 3.04% Up to 6 years
2018-2013 3.94% Up to seven years****
Older Student Auto*** 2010 & older 4.79% Up to 2 years
2010 & Older 5.09% Up to 3 years
2010 & Older 5.39% Up to 4 years

(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 CD Dividend APR* CD APY+ CD Term
Auto Savings Loan ++ –
Hybrid Auto Loan with an attached
Certificate of Deposit
1.79% APR same as
auto rates
above
1.80% CD Matures at the
end of the loan term

Recreational Vehicle Loans

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++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.

Type Model Year APR* (as low as) Term
New & Used Recreational Vehicles***
(Motorcycles, boats & RVs)
2018-2011 3.49% Up to 3 Years
2018-2011 3.99% Up to 4 Years
2018-2011 4.19% Up to 5 Years
2018-2011 5.29% Up to 7 Years
2018-2011 6.69% Up to 10 years****
Older Recreational Vehicles***
(Motorcycles, boats & RVs)
2010 & older 5.19% Up to 3 Years
2010 & older 5.39% Up to 4 Years
New Untitled Vehicles***
(Four wheeler, snowmobile, personal watercraft etc.)
2018 4.09% Up to 4 Years
Used Untitled Vehicles***
(Four wheeler, snowmobile, personal watercraft etc.)
2017 & older 5.09% Up to 4 Years

Personal Loans and Credit Cards

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Type APR* Terms
Signature Loan*** as low as 11.49% Up to 5 Years
Visa Platinum, Student & Business+++++ 8.90% Revolving Line
Visa Platinum Rewards+++++ 9.90% Revolving Line
Visa Signature+++++ 11.90% 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
Ready Cash Plus 15.00% Revolving Line

Home Equity Closed End Loan – 80% LTV

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Type APR* Terms
Home Equity Closed End*** 3.99% Up to 5 years
Home Equity Closed End*** 4.49% Up to 8 years
Home Equity Closed End*** 4.79% Up to 10 years
Home Equity Closed End*** 5.19% Up to 15 years

Home Equity Closed End Loan – 90% LTV

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Type APR* Terms
Home Equity Closed End*** 4.99% Up to 5 years
Home Equity Closed End*** 5.49% Up to 8 years
Home Equity Closed End*** 5.79% Up to 10 years
Home Equity Closed End*** 5.89% Up to 15 years

Home Equity Line of Credit – Open End

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Type APR Terms
HELOC – Up to 80% LTV** 5.00% Revolving Line
HELOC – Up to 90% LTV** 5.50% Revolving Line

Home Free

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Type APR* Terms
Home Free – No Closing Costs+++ 3.99% 10 years
Home Free+** 4.19% 15 years

Home Improvement Loans

Apply for a Secured Home Improvement Loan
Apply for an Unsecured Home Improvement Loan

Type APR* (as low as) Term
Home Improvement+* (Secured) – Max loan amt. $100,000 5.49% Up to 5 years
Home Improvement+* (Secured) – Max loan amt. $100,000 5.99% Up to 8 years
Home Improvement+*(Secured) – Max loan amt. $100,000 6.29% Up to 10 years
Home Improvement+*(Secured) – Max loan amt. $100,000 6.69% Up to 15 years
Home Improvement+* (Unsecured) – Max loan amt. $7,500 8.29% Up to 5 years
Home Improvement+* (Unsecured) – Max loan amt. $7,500 9.29% Up to 8 years
Home Improvement+* (Unsecured) – Max loan amt. $7,500 10.29% 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 8/1/2018 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 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.

****Term good for loans of $35,000 or more.

***+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. Add 0.50% to the rate if without auto pay.

+APY is annual percentage yield. Rates quoted are in effect 8/1/2018 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.

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

++++ An example of a 5-year fixed rate monthly payment at the quoted rate would be 60 monthly payments of $17.79 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-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.

+*Home Improvement Loan (Unsecured) – Rate effective 8/1/18 and subject to change without notice. Payment on a 5 year term at 8.29% APR is $20.42 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 8/1/18 and subject to change without notice. Payment on a 15 year term at 6.69% APR is $88.16 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%.