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.

15 year term would be 180 monthly payments of $8.04 per $1,000 borrowed.

30 year term would be 360 monthly payments of $5.92 per $1,000 borrowed.

15 year term would be 180 monthly payments of $8.04 per $1,000 borrowed.

30 year term would be 360 monthly payments of $5.92 per $1,000 borrowed.

Jumbo Loan Rates

3/6 ARM term would be 36 monthly payments of $6.08 per $1,000 borrowed. Rate may adjust every 6 months after that, with a maximum increase of 2% per year, and 5% for the life of the loan.

5/6 ARM term would be 60 monthly payments of $6.24 per $1,000 borrowed. Rate may adjust every 6 months after that, with a maximum increase of 2% per year, and 5% for the life of the loan.

7/6 ARM term would be 84 monthly payments of $6.32 per $1,000 borrowed. Rate may adjust every 6 months after that, with a maximum increase of 5% per year, and 5% for the life of the loan.

10/6 ARM term would be 120 monthly payments of N/A per $1,000 borrowed. Rate may adjust every 6 months after that, with a maximum increase of 5% per year, and 5% for the life of the loan.

Construction Loans: Construction-to-Permanent and Construction-to-Permanent Renovation loans with single closings.  Call for current rates at 614-490-7214

All lending products are subject to review and approval.

Payments - Payments do not include amount for property taxes and insurance premiums. The actual payment amount will be greater.

Insurance - Must be carried on the real property securing the loan.

Rates are subject to change at any time.  Rates, terms and conditions may vary based on creditworthiness, qualifications, and collateral conditions. You may call 614-552-0511 or 800-697-0049 for current rates.

¹APR Information: These APRs are based on $100,000.00 loan amount, 60% Loan to Value (LTV), borrower credit score of 740+, include applicable points, $450.00 loan processing fee, $250.00 settlement fee, $11.00 life of loan flood certification, $450 underwriting fee and $110 verification of employment processing fee.

³ARM Information: ARM Index - 30-day average Secured Overnight Financing Rates (SOFR), as made available by the New York Fed. Index value of 5.120% released 03/20/2023. ARM Rates - 3/6-month ARM information shown pertains to the initial three years of the loan and adjusts every 6 months thereafter. 5/6-month ARM information shown pertains to the initial five years of the loan and adjusts every 6 months thereafter. 7/6-month ARM information shown pertains to the initial seven years of the loan and adjusts every 6 months thereafter. 10/6-month ARM information shown pertains to the initial ten years of the loan and adjusts every 6 months thereafter. 

Home Equity Loan Rates

^*Annual Percentage Rate (APR) as of March 24, 2023.  Subject to application and credit approval. Equity Loans also subject to acceptable property appraisal and title search. Rates above are available for loan amounts over $2,000 and are subject to meeting certain underwriting criteria, such as owner occupancy and loan-to-value ratio. Your rate may also be different depending upon your credit history. Annual Percentage Rates base on $50,0000 loan amount, including a $175 Processing Fee (other fees may apply). 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. Terms of repayment vary based on length of term: 1-60 monthly payments of $19.06 per $1,000 borrowed; 61-120 monthly payments of $10.71 per $1,000 borrowed; 121-180 monthly payments of $8.35 per $1,000 borrowed.