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Type
Rate
APR*
2.50%
2.658%
2.50%
2.695%
Type
Rate
APY*
0.45%
0.45%
0.35%
0.35%
Type
Rate
APY*
1.19%
1.20%
0.85%
0.85%
Type
Rate
APY*
0.75%
0.75%
0.50%
0.50%
View all rates / disclosures.

*(APY) Annual Percentage Yield

(APR) Annual Percentage Rate

View Mortgage Rates and Apply!
 
Current Interest Rates

Current Auto Loan Rates

The following information shows our current rates for new and used auto loans. We've even included sample loan amounts and payments for comparison purposes. For more specific numbers pertaining to your situation, use our handy Auto Loan Calculator. For more information about your auto loan options or to apply, contact one of our convenient locations.

Interest Rates and Annual Percentage Rates are current as of July 25, 2014.

Printable Version

Loan Product Name Interest Rate Annual Percentage Rate (APR)
New Car Loans
36 Month 2.50% 2.756%
For example:

Your monthly payment would be $721.59
$25,000.00 @ 2.50%

48 Month 2.50% 2.695%
For example:

Your monthly payment would be $547.90
$25,000.00 @ 2.50%

60 Month 2.50% 2.658%
For example:

Your monthly payment would be $443.73
$25,000.00 @ 2.50%

72 Month 3.00% 3.132%
For example:

Your monthly payment would be $379.87
$25,000.00 @ 3.00%

Used Car Loans
2011-2013, 60 Month 3.00% 3.262%
For example:

Your monthly payment would be $269.56
$15,000.00 @ 3.00%

2009-2010, 48 Month 3.75% 4.075%
For example:

Your monthly payment would be $337.04
$15,000.00 @ 3.75%

2007-2008, 36 Month 6.50% 6.936%
For example:

Your monthly payment would be $459.79
$15,000.00 @ 6.50%

PLEASE NOTE:
Subject to credit approval by Heritage Bank of Central Illinois. Additional terms and conditions may apply. The interest rates and Annual Percentage Rates (APR) shown above include a rate discount of 0.50% off the standard product rates for enrolling and maintaining automatic monthly loan payment deductions from any Heritage Bank of Central Illinois personal checking account. Loan product rates and rate discounts are subject to change without notice. Actual APR will be determined when you apply. A loan origination fee of $95 is required. The APR shown in the chart above includes the effect of such loan origination fee. Additional fees may apply. Rates shown assume good borrower credit history.

Education Center

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Click here to access the Education Center.

Lost / Stolen Debit Card

If you've lost your card and it is not during our normal business hours, you can call the STAR® network at:

1-800-523-4175

and respond to the prompts.

Facebook

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Click here to go to our Facebook page.

Education Center

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The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the Education Center.

Education Center – Online Banking Demo

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Click here to access the Education Center.

Education Center

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Click here to access the Education Center.

Deluxe Check Ordering

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Click here to access the Deluxe check ordering page.

Deluxe Check Ordering

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Click here to access the Deluxe check ordering page.

Personal Credit Card Login

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Click here to access the First Bankcard login page.

Business Credit Card Login

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The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the First Bankcard login page.

You are about to leave the Heritage Bank of Central Illinois web site. Please note that by clicking on the link below, you will enter a site NOT owned or operated by Heritage and therefore, our privacy policy does not apply. Please review that web site's privacy policy. The inclusion of this link is not an endorsement by Heritage of the site, its content, advertisers or sponsors.

The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.