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Welcome to Heartland Credit Union

Your Approval Letter Awaits You!

It's really that simple. We've eliminated the paperwork to offer you a hassle free application process. A few questions equals an on-line decision within minutes. It's just a few clicks away with MortgageClick.



Where to Start

Information For First-Timers

First-Time Home Buying

Congratulations! We're pleased to be helping you with your first home. The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

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Purchasing A Home

Purchasing a Home

Buying a new home is exciting and the process of financing it is now faster and easier than ever before.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check RatesCalculatorsApply

Start Saving By Refinancing

Refinancing a Home

If the current value of your home has increased, it may make sense to refinance at a better rate or refinance to consolidate debt or plan a home improvement project.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check RatesCalculatorsApply

Building A New Home

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check RatesApply



Today's Rates
Today's loan rates
RatePointsAPRPayment
30 Year Fixed
Interest Rate6.875%Discount Points0APR6.947%Payment Amount$985
15 Year Fixed
Interest Rate6.375%Discount Points0APR6.491%Payment Amount$1,296
5 YR HCU ARM
Interest Rate6.375%Discount Points0APR6.743%Payment Amount$936
7 YR HCU ARM
Interest Rate6.625%Discount Points0APR6.933%Payment Amount$960
WHEDA First Time Home Buyer <= 80% AMI
Interest Rate6.375%Discount Points0APR6.445%Payment Amount$936
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Assumptions Display the Rate Page


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Explore your loan options...

Just looking? Our Loan Consultant will provide you the best terms available.  Answer a few short questions and in moments you'll discover the rates and fees specific to your request.

Ready to Apply? First Choose the product that best meets your needs and then we will guide you through your application!