Credit union · NCUA insured
Heartland Credit Union Auto Loan Rates
Heartland Credit Union auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Heartland Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Heartland Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Heartland Credit Union
4.99%APR
- Terms
- 37–60 months
- Discount
- None included
New & Used Vehicle
Lowest rate
Magnifi Financial
3.99%APR
- Terms
- —
- Discount
- Included in the rate
2nd-lowest rate
St. Paul Federal Credit Union
4.29%APR
- Terms
- up to 60 months
- Discount
- None included
Heartland Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Heartland Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New & Used Vehicle
Rates are the lowest rates available and are not guaranteed. Actual APR and term determined based on creditworthiness, collateral, loan amount, loan-to-value ratio, term, and other underwriting criteria. Maximum rate will not exceed 18% APR. Rates may vary based upon credit history. Other terms are available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Model year 2021 and newer. Rate as low as. |
| 37–60 months | 4.99% | Model year 2021 and newer. Rate as low as. |
| 61–72 months | 5.24% | Model year 2021 and newer. Rate as low as. |
| 73–84 months | 5.49% | Model year 2021 and newer. Minimum loan amount $25,000. Rate as low as. |
Sources (1)
- heartlandcu.com · captured Oct 5, 2026
Older Vehicle
Rates are the lowest rates available and are not guaranteed. Actual APR and term determined based on creditworthiness, collateral, loan amount, loan-to-value ratio, term, and other underwriting criteria. Maximum rate will not exceed 18% APR. Rates may vary based upon credit history. Other terms are available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Model year 2020 and older. Rate as low as. |
| 37–60 months | 5.49% | Model year 2020 and older. Rate as low as. |
| 61–72 months | 5.99% | Model year 2020 and older. Minimum loan amount $20,000. Rate as low as. |
Sources (1)
- heartlandcu.com · captured Oct 5, 2026
Who can join Heartland Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.