Loan Rates

Rates below reflect A+ credit score and a .25% reduction for Pre-Approval and a .25% reduction for LifeStages - Ask for Details! Rates listed below effective 3/1/2015.


Auto Loans 2012 and Newer            APR*
1-63 Months as low as 2.35%
64-75 Months as low as 2.75%
76-84 Months as low as 3.55%

Auto Loans 2011 and Older             APR
1-63 Months as low as 3.35%
64-75 Months as low as 3.75%
76-84 Months as low as 4.55%

Motorcycles Loans 2012 and NewerAPR
1-63 Months as low as 3.35%
64-75 Months as low as 3.75%
76-84 Months as low as 4.55%

Motorcycles Loans 2011 and OlderAPR
1-63 Months as low as 4.35%
64-75 Months as low as 4.75%
76-84 Months as low as 5.55%

RV's and Boats 2011 and Newer              APR
1-63 Months $0-$10,000 as low as 4.85%
64-75 Months $10,001-$20,000 as low as 5.25%
76-84 Months $20,001-$50,000 as low as 6.05%
85-144 Months $50,000-$100,00 as low as 8.05%

Other Secured Lending 2012 and NewerAPR
1-63 Months as low as 7.85%
64-75 Months as low as 8.25%
76-84 Months as low as 9.05%

Other Secured Lending 2011 and OlderAPR
1-63 Months as low as 8.85%
64-75 Months as low as 10.25%
76-84 Months as low as 11.05%

Second Mortgage (80% LTV)        APR
60 Months as low as 5.50%
120 Months as low as 6.25%
180 Months as low as 7.00%

Second Mortgage (90% LTV)       APR
60 Months as low as 6.00%
120 Months as low as 6.75%
180 Months as low as7.50%

Home Equity Line of Credit APR
HELOC 80% Loan to Value as low as 3.00%
HELOC 90% Loan to Value as low as 3.25%

Personal LoansAPR
Share Secured 1-63 Months as low as 1.85%
Heart of the Home as low as
6.99%
Unsecured , Signature as low as9.25%

*APR= Annual Percentage Rate.

The rates stated above available on approved credit. Rates may be different as determined by the individual creditworthiness of each applicant or collateral condition. Not all applicants will qualify for the lowest rate. Self-employed income requires proof of income on all approvals. Not all applicants will qualify for maximum term or advance.

HOME EQUITY LOANS AND 2ND MORTGAGES: Actual rate based on credit history and loan-to-value. Variable rate loans adjust on the first day of each calendar quarter.

AUTO LOANS: $10,000 min for terms greater than 63 months; $20,000 min. for terms greater than 75 months. Terms greater the 75 months only on vehicles 2010 and newer. Vehicles 2006 and older add 1% to rate. Add 1% to rate if mileage exceeds 100,000 on any model year. 2007-2004 max term 48 months. Minimum loan amount $5,000. Refinances with cash out add 1% to rate, LTV up to 100%. 

MOTORCYCLE LOANS: $10,000 min for terms greater than 63 months; $20,000 min for terms greater than 75 months. Terms greater than 75 months only on vehicles 2010 and newer. Add 1% to rate if mileage exceeds 50,000 on any model year. Model years 2006 and older add 1%. 2007-2004 max term is 48 months. Minimum loan amount $5,000. Minimum loan amount $5,000 .50% above auto rates. 

OTHER SECURED LENDING - PURCHASE ONLY: $5,000 min loan amount for terms 1-63 months; $10,000 min for terms greater than 63 months; $20,000 min for terms greater than 75 months. Terms greater than 75 months only on vehicles 2010 and newer. 

Heartland FCU and Affinia FCU Merger Announcements


Heartland Online will be available on Sunday, March 1 by 2 pm. Bill pay will be available Monday, March 2 by 4 pm. 

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