How often do HCU's rates change?

Rates are reviewed regularly and can change based on market conditions. The rates listed on this page reflect current offerings. Contact a branch or call for the most up-to-date information.

Do I have to be a member to see HCU's rates?

No. Rates are publicly available on this page. Membership is required to open an account or apply for a loan.

What determines my rate on a loan?

Loan rates depend on factors such as credit history, collateral, loan term, and loan type. A loan officer can provide a personalized rate based on your application.

How do I find HCU's current rates?

Current rates are listed above. For real-time information or questions about a specific product, contact a branch or call.

Competitive Loan and Deposit Rates | Heartland Credit Union

Loan and deposit rates

Open an account or apply for a loan today and take advantage of rates designed to help you save more and borrow smarter.

Become a member

See how Heartland Credit Union loan and deposit rates work for you

Heartland Credit Union is a member-owned, not-for-profit credit union serving Hutchinson, Wichita, Hays, Newton, Ness City, Haven, and communities across Kansas. As a cooperative, our rates are set with our members' financial well-being in mind, not shareholder profit. Below you'll find current rates for our savings, checking, certificate, and loan products, including auto loans and real estate loans.

account_balanceLoan rates

HCU offers Auto Loans for new and used vehicles to members across Kansas, with rates based on term and credit history.

Auto Loan Rates (Includes Touring Motorcycles > 1200 CC)

Motorcycle Rates (Cruiser, Sportbikes, Scooters)

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savingsDeposit rates

Prime Share Savings, Special Savings, and other HCU savings accounts help members grow toward short- and long-term goals.

Savings Account

HCU Certificates (also called CDs) let members lock in a rate for a set term, with terms and minimums varying by certificate type.

9 Month Promo Certificate

16 Month Promo Certificate

Certificate Rates - $500 to $249,999

Certificate Rates - $250,000 and up

Add-On Certificate Rates

9 Month Promo Certificate

16 Month Promo Certificate

IRA/HSA Certificate Rates - $500 to $249,999

IRA/HSA Certificate Rates - $250,000 and up

contact_supportFrequent questions

Yes. Heartland Credit Union is a member-owned, not-for-profit credit union based in Hutchinson, Kansas, serving members across central and western Kansas since 1948.