--- title: "Heartland Credit Union Rates: Vehicle 5.49%, Personal 16.90%" description: "Heartland Credit Union rates today: vehicle loans from 5.49% APR, personal loans from 16.90% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Heartland Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/illinois/heartland" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Heartland Credit Union Rates: Vehicle 5.49%, Personal 16.90% ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan Rates (Includes Touring Motorcycles > 1200 CC) (Up to 72 months)** motorcycle_any_72mo | 5.490% APR | 5.490% | 72 mo | Standard | | **Motorcycle Rates (Cruiser, Sportbikes, Scooters) (Up to 48 months)** motorcycle_any_48mo | 8.990% APR | 8.990% | 48 mo | Standard | | **Other Secured (ATV, UTV, PWC) (Up to 36 months)** powersports_any_36mo | 12.240% APR | 12.240% | 36 mo | Standard | | **Other Secured (ATV, UTV, PWC) (Up to 48 months)** powersports_any_48mo | 12.490% APR | 12.490% | 48 mo | Standard | Heartland Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Overdraft Line of Credit** personal | 16.900% APR | 16.900% | — | Standard | Heartland Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Everyday VISA** credit_card | 13.490% APR | 13.490% | — | Standard | | **Your Rewards VISA** credit_card_rewards | 17.490% APR | 17.490% | — | Standard | Heartland Credit Union credit card rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **12-Month Introductory Offer** other | 6.490% % | 6.490% | — | Introductory offer | Heartland Credit Union other rates as of November 12, 2026 Vehicle loans available from 5.49% APR for 72 months. Personal loan rates from 16.9% APR. Credit card rates from 13.49% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/illinois/heartland) , verified from [Heartland Credit Union's official website](https://www.hcu.org/) Best product position **Room to improve vs. the Illinois median** personal loan Gap to state best **1485 bp** 1485 bp from state best Vs. state median **715 bp behind median** personal loan Products ranked **1** across tracked Illinois markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 16.90% | Room to improve vs. the Illinois median | 1485 bp from state best | 715 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Heartland Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=heartland&state=illinois&code=IL&name=Heartland%20Credit%20Union) Loading branch locator… ## About Heartland Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 35.5K Assets $574.6M Founded 1946 Locations reported 3 NCUA charter 64441 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Illinois Educators** Montvale · Springfield · IL · 62704-4260 About 0.8 miles away](https://rateapi.dev/credit-unions/illinois/illinois-educators) [**Citizens Equity First** Springfield Iles Member Center · Springfield · IL · 62704-4330 About 1.0 miles away](https://rateapi.dev/credit-unions/illinois/citizens-equity-first) [**Credit Union 1** Springfield · SPRINGFIELD · IL · 62704 About 1.2 miles away](https://rateapi.dev/credit-unions/illinois/credit-union-1) [**Land of Lincoln** Springfield · Springfield · IL · 62704-3716 About 1.7 miles away](https://rateapi.dev/credit-unions/illinois/land-of-lincoln) [**Funeral Service** Funeral Service CU · Springfield · IL · 62704 About 1.7 miles away](https://rateapi.dev/credit-unions/illinois/funeral-service) [**Illinois State Police** ISPFCU · Springfield · IL · 62703 About 2.2 miles away](https://rateapi.dev/credit-unions/illinois/illinois-state-police) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Heartland Credit Union Membership eligibility from Heartland Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Heartland Credit Union's website. Check the membership page below to confirm whether you qualify. - Location cass, macoupin, christian, madison, de witt, menard, logan, montgomery, mclean, morgan, macon, sangamon — IL - Employer United States Government, Memorial Health System and controlled affiliates of Memorial Health System, SIU School of Medicine, Southern Illinois Airport Authority, Springfield Mass Transit District - Association Gospel Kingdom Church, Laborers' Local belonging to any District Council part of the Midwest Region Laborers International Union of North America (LIUNA), Laborers International Union of North America (LIUNA) Verified from [Heartland Credit Union's membership page](https://www.hcu.org/about/hcu-membership/) . Final membership determination is always made by the credit union. ## Membership rules for Heartland Credit Union Geography 12 counties · Employers 5 · Associations 3 · Family 2 34 published paths to membership, last verified August 27, 2026, quoted from Heartland Credit Union’s own published criteria. ### Geography 12 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Cass County, IL - Christian County, IL - De Witt County, IL - Logan County, IL - Macon County, IL - Macoupin County, IL - Madison County, IL - Mclean County, IL - Menard County, IL - Montgomery County, IL - Morgan County, IL - Sangamon County, IL “Membership is available to
anyone who resides or works
in one of the following counties: