Heartland Credit Union is headquartered in Madison and is the 20th largest credit union in the state of Wisconsin. It is also the 664th largest credit union in the nation. It was established in 1936 and as of September of 2024, it had grown to 123 employees and 34,210 members at 13 locations. Heartland Credit Union's money market rates are 7X the national average, and it has a B+ health rating.
Field of Membership Restrictions
Heartland Credit Union is open to those who live, work, or own property in the Wisconsin counties of Columbia, Crawford, Dane, Dodge, Grant, Green, Iowa, Jefferson, Lafayette, Richland, Rock, Sauk, or Vernon; the Iowa counties of Allamakee, Bremer, Buchanan, Chickasaw, Clayton, Delaware, Dubuque, Fayette, Jackson, Jones, or Winneshiek; or the Illinois counties of Boone, Jo Daviess, Stephenson, Winnebago. Employees of AT&T, Credit Union Executives Society, Esterline Avista, or Lands' End are also eligible to join, as are shareholders, retirees and employees of Alliant Energy Corporation and its subsidiaries, the International Brotherhood of Electrical Workers - 6th District and 965, employees and directors of cooperative and independent telephone companies, and members of the Communication Workers of America who reside or are employed in Washington State. Patrons of Peoples Community Oil Co-op, New Horizons Supply Co-op of Fennimore, Dodgeville Agri-Service of Dodgeville, and Agri-Tech FS with offices in Grant, Dane, and Iowa Counties in Wisconsin.
See current membership details
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Don't Put Your Money There.
I definitely have had great luck with Heartland and Dane County Credit Unions over the last 50 years but the last 20 years they have continuously went downhill and I mean rapidly downhill. They no longer care about their members. Took me 3 weeks to get $5,000 out of my bank account because I was required to go to the bank that was open that day which was clear on the other side of town. So over and over again I tried to get that $5,000 but each time the location that was open that day was nowhere near me. Although I had three locations within 15 minutes from where I live it would have required me to drive clear across town to the One branch that was open. I did finally get there and I did not only take out the $5,000 I closed my accounts. If I could give them a negative rating I would.
Data as of Q3 2024
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 66710 |
| Year Chartered | 1936 |
| Employees | 123 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.68% |
| Return on Equity - YTD | 6.16% |
| Annual Interest Income | $21MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2024vs Q3 2023 | $606.9MM$615.2MM |
| Loans | Q3 2024vs Q3 2023 | $451.4MM$455.7MM |
| Deposits | Q3 2024vs Q3 2023 | $533.3MM$544.2MM |
| Equity Capital | Q3 2024vs Q3 2023 | $67.7MM$63MM |
| Loan Loss Allowance | Q3 2024vs Q3 2023 | $2.9MM$2.3MM |
| Unbacked Noncurrent Loans | Q3 2024vs Q3 2023 | $3MM$1.8MM |
| Real Estate Owned | Q3 2024vs Q3 2023 | $0$0 |
