Rate Center

Heartland Bank's Current Rates

Thinking of coming on over to Heartland? Maybe our rates will help you make your decision. Check below for our most current interest rates, APYs and minimums required on our accounts: Checking, Savings, Certificates of Deposit, Individual Retirement, Health Savings, Money Market Savings, and Business. We also provide rates for our Home Loans and Home Equity Lines/Loans along with Auto Loan rates.

Rates effective as of  

Auto Loan

Auto Loan
Model Year
Term Rates as Low as APR as Low as* Monthly Payment Amount
(per $1,000 borrowed)
2021 72 months 3.50% 4.104% $15.42
2020 66 months 3.50% 4.156% $16.68
2019 66 months 3.50% 4.156% $16.68
2018 66 months 3.50% 4.156% $16.68
2017 60 months 3.75% 4.470% $18.30
2016 54 months 3.79% 4.586% $20.17
2015 48 months 4.24% 5.133% $22.69
2014 48 months 4.94% 5.838% $23.00
2013 36 months 5.75% 6.934% $30.31


*Subject to application and credit approval. Rates available for terms up to 84 months and for $2,000 or more. Rates available subject to meeting certain underwriting criteria. Your rate may be different depending on credit history. Annual percentage rates based on $10,000 amount financed, including a $175 document fee, a $19 LSI fee and a $15 title fee. Other rates, terms, payments and loan amounts are available. There is no prepayment charge if you pay off this loan in full or in part early. Partial prepayments will not affect your obligation to pay the regular monthly payment amount on the payment due dates following partial prepayment (as long as amounts owed) unless we agree differently in writing. All lending products are subject to application and credit approval. Home equity loans and lines also subject to acceptable appraisal and title search.