CD & Savings Secured Personal Loans

If you have a certificate of deposit (CD) or savings account, you can use it as collateral for a loan.

Borrow from your CD or savings account and get a lower annual percentage rate without touching your savings! Meanwhile, you continue to earn interest on your CD and savings balance. We can provide immediate funding and a fixed term, fixed rate loan.

Financing is quick and easy. We offer:

  • Easy application process
  • Fast approvals
  • Competitive rates
  • Flexible repayment terms
  • Automatic payment option
  • Personal, simple, and local service

Get started with your online application now!

How Secured Personal Loans Work

A secured personal loan simply means that you have funds or property where the value is equal to or greater than the amount financed that you can use to “back up” or secure the loan. It allows you to keep your property or funds in place. In some cases, using collateral can mean a more competitive percentage rate than other personal loan options*.

Heartland Bank customers use secured personal loans to pay off bills, handle sudden situations, cover their holiday expenses, and more.

If you do not have a CD or savings account with Heartland Bank but you do own a home, we also have options for you. Our Home Equity Loans and Lines of Credit are perfect for remodels, updating your vehicle and many other needs.

If you prefer not to use funds or property to secure your personal loan, we still may be able to help. Check out our line of Unsecured Personal Loans today!


To learn more about our CD and Savings Secured Loans, visit any of our convenient locations, or give us a call.

Customer Care Center: 888-897-2276
Monday-Friday: 7:00 am to 6:00 pm
Saturday: 8:00 am to 1:00 pm

*Loans are subject to approval, and fees may apply.