Heartland Mortgage Rates & Who Can Join

As of July 11, 2026, Heartland offers a 30-year-fixed mortgage at 6.636% APR (6.625% rate, 0.1160001 points).
Source: RateAPI.dev, verified from Heartland's official website

Who Can Join Heartland

Membership eligibility from Heartland's own published criteria. How we verify this.

Membership via employers (CHS Inc. +12 more)

LocationDakota, Scott, Rice, Le Sueur, Carver, McLeod, Hennepin, Ramsey, Washington, Anoka, Chisago
EmployerCHS Inc., 3M, Chart Industries, Cofina Financial, LLC, Farmers Union Business and Educational Activities of Minnesota, Genex Cooperative, Hennen & Associates, Land O’Lakes, Inc., Solventum, North American Trailer Services, LTD, Roadware Inc., Scott Equipment, TEMCO

Cost to join: About $5.

Verified from Heartland's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 11, 2026

30-year-fixed

6.636% APR

Rate6.625%

Points0.1160001

Agency 30 Year Fixed

15-year-fixed

6.125% APR

Rate6.125%

Points-0.07799995

Agency 15 Year Fixed

10-year-fixed

6.027% APR

Rate6.000%

Points0.121

Agency 10 Year Fixed

20-year-fixed

6.388% APR

Rate6.375%

Points0.104

Agency 20 Year Fixed

Frequently Asked Questions

What rates does Heartland offer?

Heartland currently offers mortgage rates. The rates shown on this page were last verified July 11, 2026 directly from the credit union's official website.

How often are Heartland rates updated?

RateAPI verifies Heartland's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 11, 2026.

Where does RateAPI get Heartland's rate data?

Rate data is collected directly from Heartland's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Heartland's mortgage rate?

As of July 11, 2026, Heartland offers a 30-year-fixed mortgage at 6.636% APR.

Related Rate Data

Compare Heartland's rates against national credit-union benchmarks.

More Minnesota credit unions Mortgage rate benchmark How we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal

# Get rates for Heartland
curl "https://api.rateapi.dev/credit-unions/minnesota/heartland" \
  -H "Authorization: Bearer YOUR_API_KEY"

Explore API Documentation Use with Claude