Credit union · NCUA insured
Iowa Heartland Credit Union Auto Loan Rates
Iowa Heartland Credit Union auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How Iowa Heartland Credit Union’s auto loan rates compare
Compared with banks and credit unions near Mason City, IA, where Iowa Heartland Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Iowa Heartland Credit Union
5.25%APR
- Terms
- —
Auto Loans
Lowest rate
CENT Credit Union
4.99%APR
- Terms
- up to 60 months
3rd-lowest rate
North Iowa Community Credit Union
5.49%APR
- Terms
- up to 60 months
Iowa Heartland Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Iowa 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.
Auto Loans
All loan rates quoted as APR. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.25% | Model Year 2024 to 2026. Call for term. Actual rates may be higher based on credit worthiness. |
| — | 6.00% | Model Year 2020 to 2023. Call for term. Actual rates may be higher based on credit worthiness. |
| — | 6.50% | Model Year 2019 and Older. Call for term. Actual rates may be higher based on credit worthiness. |
Collateralized (Title) Loans
Secured with titled collateral. All loan rates quoted as APR. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.25% | Model Year 2024 to 2026. Secured with titled collateral. Actual rates may be higher based on credit worthiness. |
| — | 6.00% | Model Years 2020 to 2023. Secured with titled collateral. Actual rates may be higher based on credit worthiness. |
| — | 6.50% | Model Years 2019 and Older. Secured with titled collateral. Actual rates may be higher based on credit worthiness. |
Sources (1)
- iowaheartland.org/loan-rates · captured Oct 7, 2026
Who can join Iowa Heartland Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who reside or work in Butler, Cerro Gordo, Floyd, Franklin, Hancock, Mitchell, Winnebago, Worth, or Wright County in North Iowa are eligible for membership.
Family and household
- Immediate family members of an existing Iowa Heartland Credit Union member are eligible to join.
Cost to join
- A $25.00 deposit is required to open a Share (Savings) Account and purchase one share of ownership in Iowa Heartland Credit Union.
Membership information collected October 4, 2026.