Heartland Credit Union

5325 High Crossing Boulevard
Madison, WI 53718
1.800.362.3944
www.heartlandcu.org

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Heartland Credit Union is headquartered in Madison and is the 26^th largest credit union in the state of Wisconsin. It is also the 950^th largest credit union in the nation. It was established in 1936 and as of September of 2011, it had grown to 64 employees and 17,130 members. Heartland Credit Union has a 4-star health rating.

Heartland Credit Union Routing Number: 275978886

3.50% Reward Checking Account at a Wisconsin CU (Heartland) - 1/16/2008

Update 4/11/09: The top yield has fallen to 3.50% APY. See bottom of the post for the rate history.Heartland Credit Union has a rewards checking that pays 3.50% APY on balances up to $25,000 (0.35% for over) and refunds ATM fees (up to $15/cycle) if the...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Heartland Credit Union Checking Account Rates

Apy	Min	Max	Product
2.50%	-	$25k	Rewards Checking
0.20%	-	-	Go Local Checking
0.05%	$10k	-	Business Checking

Heartland Credit Union Savings Account Rates

Apy	Min	Max	Product
0.20%	$15k	-	Health Savings Account
0.15%	$100	-	Retirement/Education Savings
0.10%	$100	-	Regular Membership Savings
0.10%	$100	-	Special Purpose Savings

Heartland Credit Union Money Market Rates

Apy	Min	Max	Product
0.45%	$500k	-	Platinum Money Manager
0.30%	$50k	-	Gold Money Manager

Heartland Credit Union CD Rates

Apy	Min	Max	Product
1.60%	$500	-	60 Month CD
1.30%	$500	-	48 Month CD
1.20%	$500	-	36 Month CD
1.10%	$5k	-	36 Month Bump-up CD
0.90%	$500	-	30 Month CD
0.80%	$500	-	24 Month CD
0.75%	$5k	-	15 Month CD Special
0.70%	$5k	-	24 Month Bump-up CD
0.60%	$500	-	18 Month CD
0.50%	$500	-	12 Month CD
0.35%	$250	-	12 Month Add-On CD
0.30%	$500	-	6 Month CD
0.20%	$500	-	3 Month CD

Heartland Credit Union IRA Rates

Apy	Min	Max	Product
1.60%	$500	-	60 Month IRA
1.60%	$500	-	60 Month CESA
1.60%	$500	-	60 Month Roth IRA
1.30%	$500	-	48 Month IRA
1.30%	$500	-	48 Month CESA
1.30%	$500	-	48 Month Roth IRA
1.20%	$500	-	36 Month IRA
1.20%	$500	-	36 Month CESA
1.20%	$500	-	36 Month Roth IRA
1.10%	$5k	-	36 Month Bump-up IRA
1.10%	$5k	-	36 Month Bump-up Roth IRA
1.10%	$5k	-	36 Month Bump-up CESA
0.90%	$500	-	30 Month IRA
0.90%	$500	-	30 Month CESA
0.90%	$500	-	30 Month Roth IRA
0.80%	$500	-	24 Month IRA
0.80%	$500	-	24 Month CESA
0.80%	$500	-	24 Month Roth IRA
0.75%	$5k	-	15 Month IRA Special
0.75%	$5k	-	15 Month Roth IRA Special
0.75%	$5k	-	15 Month CESA Special
0.70%	$5k	-	24 Month Bump-up IRA
0.70%	$5k	-	24 Month Bump-up Roth IRA
0.70%	$5k	-	24 Month Bump-up CESA
0.60%	$500	-	18 Month IRA
0.60%	$500	-	18 Month CESA
0.60%	$500	-	18 Month Roth IRA
0.50%	$500	-	12 Month IRA
0.50%	$500	-	12 Month CESA
0.50%	$500	-	12 Month Roth IRA
0.35%	$250	-	12 Month Add-On IRA
0.35%	$250	-	12 Month Add-On CESA
0.35%	$250	-	12 Month Add-On Roth IRA
0.30%	$500	-	6 Month IRA
0.30%	$500	-	6 Month CESA
0.30%	$500	-	6 Month Roth IRA
0.20%	$500	-	3 Month IRA
0.20%	$500	-	3 Month CESA
0.20%	$500	-	3 Month Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

HEARTLAND
NCUA #	66710
BankRate Report	View
Year Established	1936
Employees	64
Primary Regulator
Assets and Liabilities
Assets	$172.96 million
Loans	$139.67 million
Deposits	$156.44 million
Equity Capital	$13.96 million
Loan Loss Allowance	$1.41 million
Unbacked Noncurrent Loans	$1.86 million
Real Estate Owned	$49,000
Historic Data - September 2010
Assets	$164.95 million
Equity Capital	$14.44 million
Loan Loss Allowance	$734,000
Unbacked Noncurrent Loans	$1.18 million
Real Estate Owned	$311,000
Profit Margin - Quarterly
Net Interest Margin	3.48%
Return on Assets	0.33%
Return on Equity	4.11%
Interest Income	$5.95 million
Non-Interest Income	$2.55 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Heartland Credit Union had $1.91 million in non-current loans and owned real-estate with $15.37 million in equity and loan loss allowances on hand to cover it. This gives Heartland Credit Union a Texas Ratio of 12.43% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Heartland Credit Union held steady from 9.80% as of September 30, 2010 to 12.43% as of September 30, 2011, resulting in a negative change of 26.82%. This indicates that the balance sheet and financial strength for Heartland Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Heartland Credit Union has increased its total deposits by $8.93 million, resulting in 6.05% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Heartland Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Heartland Credit Union has $172.96 million in assets with $15.37 million in equity, resulting in a capitalization level of 8.89%, which is average.