Helping our members borrow for any prudent and reasonable need is one of the missions of Heartland Federal Credit Union. Small and large loans are available with interest rates and repayment terms that are exceptionally appealing.

Secured Loans:
We provide loans secured by collateral such as stock, automobiles, etc. Terms and rates vary depending on the member's credit history and ability to repay.

Share/Certificate Secured Loans:
Members electing to collateralize a loan by securing (pledging) funds in a regular share account or term share certificate may obtain a loan plus continue to earn interest on their savings.

Vehicle Loans, New/Used:
With the rising cost of vehicles, it is nice to know you can receive 100% financing and take up to 72 months to repay your loan. We provide simple interest repayment schedules with no pre-payment penalty. Interested in learning the value of a new or used vehicle? Click here to find out how much the vehicle you are interested in may be worth.

If you would like information about fuel economy and the benefits of using more fuel-efficient vehicles, visit http://www.fueleconomy.gov/.

Student Loans:
Members may borrow for associate, undergraduate, graduate, or technical/trade program. Monthly payments are required during the in school period and during the six-month separation period; by doing so borrowers avoid or lower the amount of capitalized interest and reduce their total loan cost. Click the link above for complete details and disclaimers

First Mortgages:
First Mortgages are available to those members wanting to finance their primary residence or an investment property. Rates are subject to change daily. Get preapproved so you can house hunt with confidence. For more information, contact our loan department.

What kind of payment should you expect to pay on your mortgage? Use our Mortgage Amorization Calculator to find out how much your mortgage payment will be.

Second Mortgages:
The interest rate for a Second Mortgage is a fixed rate and based on member's credit performance. You may borrow up to 80% of the appraised value of your home minus, any outstanding mortgages. For more information contact either office.

Home Equity:
The interest rate for a home equity loan is variable and is based on your credit performance. You may borrow up to 80% of the appraised value of your home, minus any outstanding mortgages.

You will be given a special checkbook to use when you need. You pay interest only on the amount you have used. Since this is considered an open-ended account, and you may use up to the approved amount any time. As you pay back the loan, that amount becomes availble for future use, with no need to reapply.

24 Hour Loan By Phone:
We know that for most people it is difficult to apply for a loan during normal business hours; therefore, we have provided a special service where you can apply for a loan over the telephone 24 hours a day and receive an answer within minutes. Just call 1-800-897-4748.

Click Here to view our rates

For more information about any of our loans, mortgages, or other produducts, please contact us. Or click here to apply for a loan online.