Home state: Illinois
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    HEARTLAND mortgage rates

    HEARTLAND's lowest publicly advertised 30-year fixed rate today is 7.041% APR — the national average is 7.147%. That's about $10,290 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read HEARTLAND's rates every weekday, starting around 11 a.m. Central.

    We last read HEARTLAND's rates page on Nov 2, 2026.

    Today's rates from HEARTLAND

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%7.041%—Nov 2, 2026Visit
    20 Year Fixed6.625%6.839%—Nov 2, 2026Visit
    15 Year Fixed6.5%6.765%—Nov 2, 2026Visit
    10 Year Fixed6.25%6.619%—Nov 2, 2026Visit

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join HEARTLAND

    You can join Heartland Credit Union if you live or work in one of 12 qualifying Illinois counties, including Sangamon, McLean, or Macon. Membership is also open to employees of the US Government and Memorial Health System, members of LIUNA, and immediate family of current members.

    Employer
    United States Government, Memorial Health System, SIU School of Medicine, Southern Illinois Airport Authority, Springfield Mass Transit District
    Association / SEG
    Gospel Kingdom Church, Laborers International Union of North America (LIUNA), Laborers' Local Mid-West Region District Council
    County
    Cass County, IL, Macoupin County, IL, Christian County, IL, Madison County, IL, Dewitt County, IL, Menard County, IL, Logan County, IL, Montgomery County, IL, McLean County, IL, Morgan County, IL, Macon County, IL, Sangamon County, IL

    Where HEARTLAND writes mortgages

    HEARTLAND publishes mortgage lending in 1 state.

    Illinois counties where HEARTLAND serves members

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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