Loan Rates

Vehicle Rates

Rates Effective 04/23/26 – “As low as” rates listed below includes all eligible discounts.* *
DescriptionMaximum Term
Months
APR*
as low as
  
2023 & Newer ($30k+ financing)84 Months
5.79 %
Calculate
2023 & Newer ($15k+ financing)72 Months
4.99 %
Calculate
2023 & Newer60 Months
4.79 %
Calculate
2023 & Newer48 Months
4.59 %
Calculate
SPECIAL: New purchases on 2023 or newer for 48-60 months – limited time only48 to 60 Months
3.99 %
Calculate
SPECIAL: Refinance from another lender a 2023 or newer for 48-60 months – limited time only48 to 60 Months
3.99 %
Calculate
2021-202284 Months
5.99 %
Calculate
2021-202272 Months
5.39 %
Calculate
2021-202260 Months
4.99 %
Calculate
2021-202248 Months
4.79 %
Calculate
Used Vehicles
 
2018-2020 ($25k+ financing)84 Months
6.59 %
Calculate
2018-2020 ($15k+ financing)72 Months
5.99 %
Calculate
2018-202060 Months
5.59 %
Calculate
2018-202048 Months
5.39 %
Calculate
2016-201760 Months
6.79 %
Calculate
2016-201748 Months
6.39 %
Calculate
2014-201548 Months
7.49 %
Calculate
2013 & older42 Months
7.79 %
Calculate
APR = Annual Percentage Rate. Rates are subject to change at any time. *Rates based on credit performance, age of vehicle and terms of the loan. **Rate listed reflects 730+ FICO 8 credit score.

Motorcycles, ATVs, Trailers, & Jet Skis:

Rates Effective 04/23/26 “As low as” rates listed below includes all eligible discounts.* *
DescriptionMaximum Term
Months
APR*
as low as
  
2023 & newer motorcycles ($25k+ financing)84 Months
6.99 %
Calculate
2023 & newer ($15k+ financing)72 Months
6.49 %
Calculate
2023 & newer60 Months
5.99 %
Calculate
Used Motorcycles/ATVs/Trailers/Jet Skis
 
2021-2022 used ($25k+ financing)84 Months
7.19 %
Calculate
2021-2022 used ($15k+ financing)72 Months
6.59 %
Calculate
2021-202260 Months
6.29 %
Calculate
2018-2020 ($25k+ financing)84 Months
7.79 %
Calculate
2018-2020 ($15k+ financing)72 Months
6.99 %
Calculate
2018-2012060 Months
6.59 %
Calculate
2017 & Older60 Months
8.79 %
Calculate
APR = Annual Percentage Rate. Rates are subject to change at any time. *Rates based on credit performance, age of vehicle and terms of the loan. **Rate listed reflects 730+ FICO 8 credit score.

Recreational Vehicles

Rates Effective 04/23/26 “As low as” rates listed below includes all eligible discounts.* *
DescriptionMaximum Term
Months
APR*
as low as
  
2023 & newer ($20k+ financing)180 Months
8.59 %
Calculate
2023 & newer120 Months
8.39 %
Calculate
2023 & newer96 Months
8.29 %
Calculate
2023 & newer84 Months
7.99 %
Calculate
2023 & newer72 Months
7.89 %
Calculate
2023 & newer60 Months
7.79 %
Calculate
2021-2022120 Months
8.99 %
Calculate
2021-202296 Months
8.89 %
Calculate
2021-202284 Months
8.79 %
Calculate
2019-202072 Months
8.69 %
Calculate
2019-202060 Months
7.99 %
Calculate
Used Recreational Vehicles
 
2017-2018120 Months
8.99 %
Calculate
2017-201896 Months
8.89 %
Calculate
2017-201884 Months
8.79 %
Calculate
2016 & older96 Months
9.29 %
Calculate
2016 & older84 Months
9.19 %
Calculate
2016 & older72 Months
9.09 %
Calculate
APR = Annual Percentage Rate. Rates are subject to change at any time. *Rates based on credit performance, age of vehicle and terms of the loan. **Rate listed reflects 730+ FICO 8 credit score.

Boats

Rates Effective 04/23/26 "As low as" rates listed below includes all eligible discounts.* *
DescriptionMaximum Term
Months
APR*
as low as
  
2023 & newer ($20k+ financing)180 Months
7.59 %
Calculate
2023 & newer120 Months
7.49 %
Calculate
2023 & newer 96 Months
7.29 %
Calculate
2023 & newer 84 Months
7.19 %
Calculate
2023 & newer 72 Months
7.09 %
Calculate
2023 & newer 60 Months
6.99 %
Calculate
2021-2022120 Months
8.99 %
Calculate
2021-202296 Months
8.79 %
Calculate
2021-202284 Months
8.29 %
Calculate
2021-202272 Months
8.09 %
Calculate
2021-202260 Months
7.99 %
Calculate
Used Boats
 
2019-2020120 Months
8.89 %
Calculate
2019-202096 Months
8.79 %
Calculate
2019-202084 Months
8.69 %
Calculate
2018 & older96 Months
8.99 %
Calculate
2018 & older84 Months
8.89 %
Calculate
2018 & older72 Months
8.79 %
Calculate
APR = Annual Percentage Rate. Rates are subject to change at any time. *Rates based on credit performance, age of vehicle and terms of the loan. **Rate listed reflects 730+ FICO 8 credit score.

Signature (Personal) Loans

Rates Effective 04/23/26
DescriptionMaximum Term
Months
APR*
as low as
  
Up to $18k financing**84 Months
8.79 %
Calculate
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APR = Annual Percentage Rate. Rates are subject to change at any time. *Rates based on credit performance, age of vehicle and terms of the loan. **Rate listed reflects 760+ FICO 8 credit score.

Share Secured Loans

Rates Effective 04/23/26 "As low as" rates listed below includes all eligible discounts.* *
DescriptionMaximum Term
Months
APR*
as low as
  
ANY AMOUNT Up to 120
5.95 %
 
ANY AMOUNT Up to 60
4.95 %
 
Share Certificate Secured Loans 12 months
rate is 2% APR above certificate of deposit
 
(4.95%APR min on <60 month term;
 
5.95% APR min on 61-120 month term)
 
APR = Annual Percentage Rate. **Rate listed reflects 730+ FICO 8 credit score.

Lawn & Garden Loans

Rates Effective 04/23/26 "As low as" rates listed below includes all eligible discounts.* *
DescriptionMaximum Term
Months
APR*
as low as
  
New Lawn & Garden ($20k+ financing) 60 Months
7.19 %
Calculate
New Lawn & garden (up to $20k financing)84 Months
7.29 %
Calculate
New Lawn & Garden48 Months
6.99 %
Calculate
Used lawn & Garden...48 Months
7.99 %
Calculate
APR = Annual Percentage Rate. Rates are subject to change at any time. **Rate listed reflects 730+ FICO 8 credit score.


* For All Loan Rates, your rate and terms may vary depending on your credit score. Subject to credit approval. Rates are subject to change without notice.
APR=Annual Percentage Rate.

Contact

MemberFirst Mortgage


Indiana Heartland FCU has teamed up with Member First Mortgage, LLC (MFM)  to provide our members with expert mortgage solutions! Together we offer competitive rates, excellent service, and a complete suite of mortgage programs, including: Conventional Fixed and Adjustable Rate Mortgages, Government programs like FHA, VA, and USDA/RD and more!

Apply Today Member First Mortgage NMLS ID# 149532. Indiana Heartland NMLS ID# 1651413. Equal Housing Opportunity Lender.

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