Loan Rates

Mortgage Rates

Click here to view current rates. Or call us at (651) 451-5160 or (800) 813-9185 or visit a Heartland branch.

Auto Loans

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Type Model Year APR*(as low as) Terms
New & Used Autos*** 2017-2010 2.19% Up to 2 Years
2017-2010 2.19% Up to 3 years
2017-2010 2.29% Up to 4 years
2017-2010 2.39% Up to 5 years++++
2017-2012 2.79% Up to 6 years
2017-2012 3.79% Up to 7 years****
Older Used Auto*** 2009 & older 4.69% Up to 2 years
2009 & older 4.99% Up to 3 Years
2009 & older 5.29% 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
1.29% APR same as
auto rates
above
1.30% CD Matures at the
end of the loan term

Recreational Vehicle Loans

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Type Model Year APR* (as low as) Term
New & Used Recreational Vehicles***
(Motorcycles, boats & RVs)
2017-2010 2.48% Up to 3 Years
2.48% Up to 4 Years
2.48% Up to 5 Years
5.29% Up to 7 Years
6.69% Up to 10 years****
Older Recreational Vehicles***
(Motorcycles, boats & RVs)
2009 & older 5.19% Up to 3 Years
5.39% Up to 4 Years
New Untitled Vehicles***
(Four wheeler, snowmobile, personal watercraft etc.)
2017 2.48% Up to 4 Years
Used Untitled Vehicles***
(Four wheeler, snowmobile, personal watercraft etc.)
2016 & older 2.48% Up to 4 Years

Personal Loans

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Type APR* Terms
Signature*** 11.49% Up to 5 Years
Home Equity Line of Credit** 4.00% Revolving Line
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
Visa Platinum, Student & Business+++++ 8.90% Revolving Line
Visa Platinum Rewards+++++ 9.90% 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
Home Free Refinance 3.25% Up to 10 Years
Visa Signature+++++ 11.90% Revolving Line

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 3/1/2017 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. Visa rate is variable and subject to change semi-annually. Transaction Fees: Foreign Transaction – 1% of U.S. dollar transaction amount.

***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.

+APY is annual percentage yield. Rates quoted are in effect 3/1/2017 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.

+++ Rate effective 3/1/17 and subject to change without notice. Payment on a 10 year term at 3.25% APR is $488.60 per $50,000 borrowed. Not all applicants will qualify for a Home Free Refinance. Loan to value, credit qualifications and other restrictions apply. Rate varies based on credit history. Loans paid off within the first year are required to repay closing costs. Fees may apply to ensure Heartland’s title position. 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

+++++ 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 3/1/17 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 3/1/17 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%.

Toy Loan rate special as low as 2.48% APR for 3, 4 and 5 year terms on qualifying loans. APR is Annual Percentage Rate. Offer good thru 3/1/17 and subject to change without notice. Offer valid from 3/1/17-5/31/2017 on 2010–2017 motorcycles, boats, atvs, personal watercraft, snowmobiles and recreational vehicles. Loans currently financed with Heartland do not qualify. Qualifying terms are 3-5 years. Rates quoted include a .25% discount for Automatic Payments from a Heartland Checking account. Payment on a 36 month loan at 2.48% APR is $28.85 per $1,000 borrowed. Rates vary based on age of collateral and credit history. Other terms and conditions may apply. Qualifications apply.