Now's a great time to buy a new or used vehicle and finance it at Heartland Area FCU! The Board of Directors
recently approved a significant reduction in rates so you can save money when you finance with us.
There are no prepayment penalties, no application fees, and we always provide NO COST Loan Protection insurance up to $20,000 per loan for eligible members.
We have also lowered our personal loans with a rate as low as 8.00% APR*
*APR=Annual Percentage Rate
Interest rates are based on term, amount financed, and credit history. Apply in person, by phone or by completing a loan application online at www.heartlandfcu.org.
Subject to credit approval. If you currently have a loan balance, you must refinance with $1,000 in new money to receive
the lower rate for personal loans and refinance $2,000 in new money for your vehicle loan to receive the lower rate.
Your Current Vehicle Loan With Us
And Save Money
We want to help
you. For a limited time only, if you refinance your 2006 or newer vehicle from
another financial institution with us we will meet or beat your existing rate by
0.50% APR or more*
We will give you a $50.00 gas card at the time of loan closing. You can receive
up to 100% financing! Qualified members will receive Loan Protection
Insurance up to $20,000 at NO COST. Coverage on the borrower and co-borrower, if
applicable. A great benefit that costs you nothing.
*With approved credit. Rate can vary
based on creditworthiness, age of vehicle and terms of the loan. Financing up to
retail value of the vehicle is available. Minimum APR will be no lower than
1.90% APR. Minimum of $5,000 new money. This offer is valid only for refinancing
vehicle loans currently held at another financial institution. Rates, terms and
conditions are subject to change without notice. APR - Annual Percentage Rate.
Credit Unions have teamed up with GM to offer members great discounts on new American-made vehicles.
While the discounts vary depending on which vehicle you choose, everyone will drive away with a great deal. The deal gets even better when you finance your vehicle with us.
Thanks to our lower interest rates, your savings will really add up. Click on the link above to take advantage of these great offers!
Have Money to Lend and Want to Help!
Unlike many of the banks you've heard about in the news,
Heartland Area Federal Credit Union is safe and sound. We're owned by our
members and measure our success by our financial well-being.
If you are looking for a different
vehicle, put more money back into your pocket with a low rate credit union loan.
We have lowered our vehicle loan rates by 1.00% or more. (Check
out our rates in the loan rate section.) We may also be able to refinance
your current vehicle loan. Let us pay off your vehicle loan elsewhere and you
will get our low rate plus we will give you a $50.00 gas card for switching. You
may also qualify for No Cost Loan Protection Insurance up to $20,000that
covers both the borrower and co-borrower.
Statements Online statements are a great way to
eliminate paper clutter and have electronic access to your HAFCU
statements. An eStatement is an electronic copy of your statement that
includes the same information as your regular mailed statements. You will have
immediate access to your statement information rather than having to wait for
it in the mail.
Credit Union Deposits Are
Federally Insured To At Least $250,000
Every credit union in
Nebraska has federal deposit insurance just like the FDIC insurance;
deposits are insured to at least $250,000.
The federal insurance
safety-net at credit unions is provided by the National Credit Union
Administration (NCUA) - a U.S. government agency - and backed by the
full faith and credit of the United States.
No member has ever
lost a penny of federally insured deposits in a credit union.
Know? You are receiving FREE Life
& Loan Insurance from Your Credit
Union. Whether saving or borrowing
at the credit union, all qualifying members receive Life Savings and Loan Protection
Insurance at no charge.
Free life insurance is
automatically provided on regular share accounts (with certain exceptions). Each dollar in a qualified
member's account is matched all or in part with term life coverage up to
$3,000 - depending on the age of the member.
Most loans are
automatically insured in an amount equal to the outstanding loan balance up to a maximum
of $20,000 per loan. (This also covers the second named borrower on the
loan note who are jointly and equally responsible for payment of the
loan). Contact the credit union if you have any questions.
Thank you for visiting Heartland Area Federal
Credit Union's Web Site. You will find a vast assortment of information about
our Credit Union.
We are a Community Charter Credit Union. Our
membership base is now anyone who lives, works, worships, or attends school in
Douglas or Washington County, NE. If you are within
our field of membership, you will be able to apply for membership by clicking on the Membership link on the menu bar. Then fill
out the application and submit to us.
If you are currently a member, you can apply for a loan on line by clicking on Loan App. on the menu bar. Loan applications are