Heartland Credit Union

5325 High Crossing Blvd
Madison, WI 53718
608-282-7000
www.heartlandcu.org

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Heartland Credit Union is headquartered in Madison and is the 25^th largest credit union in the state of Wisconsin. It is also the 923^rd largest credit union in the nation. It was established in 1936 and as of December of 2012, it had grown to 70 employees and 17,643 members. Heartland Credit Union has a 5-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
2.00%	-	$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	-	IRA Savings
0.15%	$100	-	Education Savings
0.15%	$100	-	Roth IRA Savings
0.15%	$100	-	SEP IRA Savings
0.10%	$100	-	Regular Membership Savings
0.10%	$100	-	Special Purpose Savings

Heartland Credit Union Money Market Rates

Apy	Min	Max	Product
0.40%	$500k	-	Platinum Money Manager
0.25%	$50k	-	Gold Money Manager

Heartland Credit Union CD Rates

Apy	Min	Max	Product
1.30%	$500	-	60 Month CD
1.00%	$500	-	48 Month CD
0.80%	$500	-	36 Month CD
0.60%	$500	-	30 Month CD
0.55%	$500	-	24 Month CD
0.45%	$500	-	18 Month CD
0.30%	$500	-	12 Month CD
0.25%	$500	-	6 Month CD
0.25%	$250	-	12 Month Add-On CD
0.15%	$500	-	3 Month CD

Heartland Credit Union IRA Rates

Apy	Min	Max	Product
1.30%	$500	-	60 Month IRA
1.30%	$500	-	60 Month CESA
1.30%	$500	-	60 Month Roth IRA
1.30%	$500	-	60 Month SEP IRA
1.00%	$500	-	48 Month IRA
1.00%	$500	-	48 Month CESA
1.00%	$500	-	48 Month Roth IRA
1.00%	$500	-	48 Month SEP IRA
0.80%	$500	-	36 Month IRA
0.80%	$500	-	36 Month CESA
0.80%	$500	-	36 Month Roth IRA
0.80%	$500	-	36 Month SEP IRA
0.60%	$500	-	30 Month IRA
0.60%	$500	-	30 Month CESA
0.60%	$500	-	30 Month Roth IRA
0.60%	$500	-	30 Month SEP IRA
0.55%	$500	-	24 Month IRA
0.55%	$500	-	24 Month CESA
0.55%	$500	-	24 Month Roth IRA
0.55%	$500	-	24 Month SEP IRA
0.45%	$500	-	18 Month IRA
0.45%	$500	-	18 Month CESA
0.45%	$500	-	18 Month Roth IRA
0.45%	$500	-	18 Month SEP IRA
0.30%	$500	-	12 Month IRA
0.30%	$500	-	12 Month CESA
0.30%	$500	-	12 Month Roth IRA
0.30%	$500	-	12 Month SEP IRA
0.25%	$500	-	6 Month IRA
0.25%	$250	-	12 Month Add-On IRA
0.25%	$500	-	6 Month CESA
0.25%	$500	-	6 Month Roth IRA
0.25%	$250	-	12 Month Add-On CESA
0.25%	$250	-	12 Month Add-On Roth IRA
0.25%	$500	-	6 Month SEP IRA
0.25%	$250	-	12 Month Add-On SEP IRA
0.15%	$500	-	3 Month IRA
0.15%	$500	-	3 Month CESA
0.15%	$500	-	3 Month Roth IRA
0.15%	$500	-	3 Month SEP IRA

Rates updated: 5/21/2013

Data for Q4 2012

Institution Statistics

HEARTLAND
NCUA #	66710
BankRate Report	View
Year Chartered	1936
Employees	70
Primary Regulator
Assets and Liabilities
Assets	$191.49 million
Loans	$160.12 million
Deposits	$173.51 million
Equity Capital	$15.32 million
Loan Loss Allowance	$1.43 million
Unbacked Noncurrent Loans	$690,000
Historic Data - December 2011
Assets	$176.51 million
Equity Capital	$14.18 million
Loan Loss Allowance	$1.56 million
Unbacked Noncurrent Loans	$1.48 million
Real Estate Owned	$127,000
Profit Margin - Quarterly
Net Interest Margin	4.26%
Return on Assets	0.75%
Return on Equity	9.38%
Interest Income	$8.09 million
Non-Interest Income	$3.87 million

Institution Health

Overall Score:

5 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 December 31, 2012 Heartland Credit Union had $690,000 in non-current loans and owned real-estate with $16.75 million in equity and loan loss allowances on hand to cover it. This gives Heartland Credit Union a Texas Ratio of 4.12% which is excellent. 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 decreased significantly from 10.23% as of December 31, 2011 to 4.12% as of December 31, 2012, resulting in a positive change of 59.73%.This indicates that the balance sheet and financial strength for Heartland Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Heartland Credit Union has increased its total deposits by $13.96 million, resulting in 8.75% 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 $191.49 million in assets with $16.75 million in equity, resulting in a capitalization level of 8.75%, which is average.