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 December 22, 2014.

Loan Product Name Interest Rate Annual Percentage Rate (APR)
New Car Loans
36 Month 2.00% 2.25%
For example:

Your monthly payment would be $716.06
$25,000.00 @ 2.00%

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
2011-2014, 36 Month 2.75% 3.17%
For example:

Your monthly payment would be $434.57
$15,000.00 @ 2.75%

2011-2014, 48 Month 3.00% 3.319%
For example:

Your monthly payment would be $332.02
$15,000.00 @ 3.00%

2011-2014, 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.

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Heritage Bank of Central Illinois