Refinance
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*
PLUS
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 2.95% 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.
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We
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 $20,000 that
covers both the borrower and co-borrower.
Centennial
Lending
We've partnered with Centennial Lending
to offer a variety of mortgage loans and commercial lending. Centennial Lending
is credit union owned and operated, so they always have your best interests at
heart with the credit union values of quality, service and straight talk.
Centennial Lending will provide you with a large variety of home loan options,
including fixed and adjustable rate mortgages, 15 year, 20 year, 30 year or 40
year. They will work to explain all of your options and the pros and cons of
each.
If you are a business owner with financing needs or you are considering
purchasing an existing business, you should consider financing through the
credit union. Through our lending partnership with Centennial Lending we are now
offering: Commercial Mortgage Loans, Term Loans, Lines of Credit, Equipment
Loans, Commercial Vehicle Loans, Development Loans, Commercial/Residential
Construction.
With more options to choose from, you can get the right loans to fit your needs.
You can apply for a loan quickly and easily from the convenience of your own
home or office anytime – day or night.
Call today or go online at www.centennial-lending.com.
Whether you are home shopping or running a business, Centennial Lending can
tailor your loan to help make life easier.
Route 66 Extended
Warranty
Route 66 Extended Warranty Route 66 Warranty has a complete line of coverage
designed to keep your vehicle on the road. Even the most reliable vehicle can
develop a mechanical problem. No matter where you travel in the United States,
Route 66 protects you against major mechanical expenses and there is NO
DEDUCTIBLE on covered parts and labor. There are three types of coverage:
-
Easy Street - Factory
Type Coverage (best coverage available)
-
Main Street - Deluxe
Coverage
-
First Street - Drive
train Coverage
Call Teresa, our loan officer, if
you have any questions. Also you can go online at www.route66warranty.com
or phone Route 66 at 1-800-808-0828.
Skip-A-Payment
on any Qualifying Loan
Give your budget a boost! Pick your month - skip one loan payment per year
anytime between January 1 and December 31***. Pick up a coupon (REQUIRED) at the
credit union today.
***There is a $20.00
administration fee per loan. On vehicle loans, the loan balance cannot exceed
the NADA retail/trade-in value at the time the loan skipped. Excludes mortgage,
home equity, insurance, one-pay, credit card and leased loans. You must complete
and submit a Skip Loan Payment Coupon prior to your loan payment due date.
Contact the credit union for details or to get your coupon.
Fill in the GAP on your next
vehicle loan
You finance a car and you take out
insurance to protest it, but what most people don't realize is that may not be
enough protection.
Most cars depreciate by thousands of dollars as soon as they are
purchased. Unfortunately, if your vehicle is stolen, accidentally damaged beyond
repair, or otherwise declared as a total loss, your insurance will reimburse you
for your car's value, but not necessarily enough to cover what you actually owe
and you are still liable to pay the difference. The difference (known as the
"gap") between your insurer's settlement and your loan balance comes
out of your pocket for a vehicle that, for all practical purposes, no longer
exists.
So how do you fully protect yourself? With
MEMBER'S CHOICE™ Guaranteed Asset Protection (GAP), available at your credit
union -- it could save you thousands of dollars.
GAP is low-cost coverage that pays the
potentially high-cost difference between your insurance settlement and your loan
balance on items directly related to the purchase of your vehicle. The cost on
any vehicle (new or used) is $299.00 (which is only $5 a month over the life of
a 60 month loan.) Get GAP when you buy a vehicle or add it to your existing
vehicle loan. Contact the credit union for details or for more information.
Receive a FREE Credit Report
Residents in Midwestern states, including Iowa and Nebraska, now can get a free
copy of their credit reports. To obtain copies of your free credit reports by
phone:
- Call 1-877-322-8228
- You will be prompted for your home phone
number to confirm your address
- You also will need to supply information like
your Social Security number and other financial information to confirm your
identity
- Your credit report will be mailed to you.
To obtain copies of your free credit report
online:
- Visit www.annualcreditreport.com and select
your state.
- You will be prompted to enter your name,
Social Security number and current address.
- You will be redirected to credit reporting
agency web sites and asked for more information, such as the amount of your
mortgage payment. Have your financial records handy.
- You will be able to print out a copy of your
credit report
