--- title: "Heartland Credit Union: #1 Personal Loan in Kansas" description: "Heartland Credit Union has the lowest tracked personal loan rate in Kansas (16.90% APR) among 26 credit unions we verify. 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/kansas/heartland" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Heartland Credit Union: #1 Personal Loan in Kansas ### 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 13, 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 13, 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 13, 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 13, 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/kansas/heartland) , verified from [Heartland Credit Union's official website](https://www.hcu.coop/) Best product position **#1 of 26** personal loan Gap to state best **0 bp** State market leader Vs. state median **645 bp behind median** personal loan Products ranked **1** across tracked Kansas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 16.90% | #1 of 26 · lowest in Kansas | State market leader | 645 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=kansas&code=KS&name=Heartland%20Credit%20Union) Loading branch locator… ## About Heartland Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 40.6K Assets $708.6M Founded 1948 Locations reported 11 NCUA charter 62031 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 - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products 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. [**Credit Union of America** Hutchinson · Hutchinson · KS · 67502 About 3.1 miles away](https://rateapi.dev/credit-unions/kansas/credit-union-of-america) [**Dillon** Dillon Credit Union · Hutchinson · KS · 67502 About 3.3 miles away](https://rateapi.dev/credit-unions/kansas/dillon) [**Bell** Hutchinson Postal Credit Union · Hutchinson · KS · 67502 About 3.3 miles away](https://rateapi.dev/credit-unions/kansas/bell) [**Hutchinson Postal & Community** HUTCHINSON POSTAL & COMMUNITY CREDIT UNION · HUTCHINSON · KS · 67502 About 3.3 miles away](https://rateapi.dev/credit-unions/kansas/hutchinson-postal-community) [**Envista** 1803 N Lorraine · Hutchinson · KS · 67502 About 3.9 miles away](https://rateapi.dev/credit-unions/kansas/envista) [**Morton** Bell Credit Union · Hutchinson · KS · 67501 About 4.1 miles away](https://rateapi.dev/credit-unions/kansas/morton) 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. Verified from [Heartland Credit Union's membership page](https://www.hcu.coop/) . Final membership determination is always made by the credit union. ## Work at Heartland Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Heartland Credit Union ranks against Kansas peers. - See which AI assistants fetched Heartland Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Kansas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=heartland&state=kansas&code=KS&name=Heartland%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Heartland Credit Union offer? Heartland Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Heartland Credit Union rates updated? RateAPI verifies Heartland Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Heartland Credit Union's rate data? Rate data is collected directly from Heartland Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Heartland Credit Union's motorcycle & powersports loan rates? As of November 13, 2026, Heartland Credit Union offers vehicle loans from 5.49% APR. ### What is Heartland Credit Union's personal loan rate? As of November 13, 2026, Heartland Credit Union offers personal loans from 16.9% APR. ### Who can join Heartland Credit Union? Heartland Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Heartland Credit Union's rates against national credit-union benchmarks. [More Kansas credit unions](https://rateapi.dev/credit-unions/kansas) [Kansas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/kansas) [Kansas personal loan leaders](https://rateapi.dev/personal-loan-rates/kansas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.hcu.coop/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Heartland Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Kansas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Heartland Credit Union curl "https://api.rateapi.dev/credit-unions/kansas /heartland " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Heartland Credit Union locations Search, filter, and browse all 11 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/kansas/heartland Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp