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Mortgage Rates

FHA 30 Yr. Fixed Points Payment
4.375% 5.177% APR* 0.125pts $813
VA 30 Yr. Fixed  
4.375% 4.699% APR* 0.375 pts $809
Conventional 30 Yr. Fixed  
4.875% 5.253% APR* 0.125 pts $858
Conventional 15 Yr. Fixed  
4.500% 4.947% APR * 0.000 pts $1,246
*APR  = Annual Percentage Rate - this is the cost of credit over the term as the loan expressed as an annual rate. The APR shown here is based on the interest rates and points, it does not include other loan specific finance charges that you may be charged.
*All stated rates are effective as of  7/17/2018 and are based on a home purchase transaction of $200,000, a minimum down payment of $40,000, a loan amount of $160,000 and repayment term as stated. Payments are estimated on a monthly basis and include principal and interest only. They do not include taxes and insurance which make the actual total payment obligation greater. The stated APR is the lender's standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual's credit history and transaction specific underwriting factors.  30 year term= 360 months and applies to 30 year conventional, FHA, and VA loans.  15 year term = 180 months and applies to 15 year conventional loans. All loan programs, rates terms, and conditions are subject to change at any time without notice. Rate scenarios are based on a 30 day lock. Rates may acutally be different from this page, and rates may change at anytime and without notice on this page.  NMLS#402641.  NMLS Consumer Access Site


Business Banking - Payroll Services

Do you want to save money and time with your payroll processing? 

Along with Heartland's great merchant service program, they also offer payroll services. Their program is an all inclusive solution for your payroll requirements – time and attendance, point-of-sale integration, workers’ compensation programs… and more. Plus they offer a three-year, fixed-price guarantee to ensure that your payroll processing costs won’t arbitrarily increase.

Count on Heartland to deliver:

  • Comprehensive, customizable payroll capabilities
  • Payroll automation that frees you so that you can concentrate on your core business
  • Online access so that your employees can view their pay stubs
  • Payroll related tax service
  • Dedicated, skilled account representatives for speedy response to inquiries and extended, US-based customer service hours.
  • Plus so much more!!

For more information please feel free to talk to any of our Customer Service Representatives.  Contact us today!