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Secured Personal Loans

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

Use secured personal loans to pay off bills, handle sudden situations, cover holiday expenses, and more. 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.

At Heartland Bank, you'll experience:

  • An easy application process
  • Competitive rates
  • Flexible repayment terms
  • An automatic payment option
  • Personal, simple, and local service

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 annual percentage rate than other personal loan options*.

If you do not have a CD or savings account with us, but you do own a home, we also have options for you. Our Home Equity Loans and Lines of Credit are perfect for remodeling your home, 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 your local branch or give us a call.

*Loans are subject to approval, and fees may apply. Terms and Loan to Value requirements are subject to change without notice.

We're Here For You!

Our Customer Care Representatives are ready to assist you Monday - Friday 8:00 a.m. - 6:00 p.m. and Saturday 8:00 a.m. - 1:00 p.m. Give us a call at 888-897-2276.