*Rates as low as 3.48% APR are available for 45 month auto loans $10,000 and higher at 100% loan-to-value (LTV) or less. Payment must be deducted from Heartland Bank savings or checking account, to receive the advertised rate. Taxes, title, extended warranty, etc. cannot be included in loan amount. Rates for smaller loan amounts, longer terms, or higher LTV may be higher. Loan fees apply. Loan payment and APR will vary based on the loan amount, the term, and any fees. Actual APR will be determined when you apply and will be based on your application and credit information. Loan payment example: a $10,000 auto loan at a 2.69% interest rate for 45 months with a $150 loan fee will have a 3.48% APR and a monthly payment of $238.20. Rates are subject to change. Some additional restrictions may apply. Rates not available when refinancing a current Heartland Bank auto loan. Limited time offer, special may be withdrawn at any time.