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    HEARTLAND mortgage rates

    HEARTLAND's lowest publicly advertised 30-year fixed rate today is 6.822% APR — the national average is 7.147%. That's about $31,410 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. HEARTLAND dates its published rate sheet Sep 17, 2025.

    Today's rates from HEARTLAND

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%6.822%—Nov 2, 2026
    Lender's sheet dated Sep 17, 2025
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    20 Year Fixed6.625%6.718%—Nov 2, 2026
    Lender's sheet dated Sep 17, 2025
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    15 Year Fixed6.5%6.616%—Nov 2, 2026
    Lender's sheet dated Sep 17, 2025
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    10 Year Fixed6.375%6.538%—Nov 2, 2026
    Lender's sheet dated Sep 17, 2025
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    5 Year ARM6.5%6.795%—Nov 2, 2026
    Lender's sheet dated Sep 17, 2025
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    7 Year ARM6.875%6.947%—Nov 2, 2026
    Lender's sheet dated Sep 17, 2025
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    10 Year ARM7.25%7.203%—Nov 2, 2026
    Lender's sheet dated Sep 17, 2025
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    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

    Membership at Heartland Credit Union is open to anyone who lives, works, worships, or attends school in South Central or Southwestern Wisconsin. Individuals who own property or a small business in these regions are also eligible. Immediate family members of current members, such as a spouse, child, parent, or sibling, can also join, regardless of their location.

    Family of a member
    Immediate family of members
    County
    Grant, WI, Iowa, WI, Lafayette, WI, Green, WI, Rock, WI, Walworth, WI, Kenosha, WI, Racine, WI, Milwaukee, WI, Waukesha, WI, Jefferson, WI, Dane, WI…

    Where HEARTLAND writes mortgages

    HEARTLAND publishes mortgage lending in 1 state.

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

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