Heartland Credit Union


Overview / Commentary
608-282-7000
5325 High Crossing Blvd
Madison, WI 53718-2301

Heartland Credit Union is headquartered in Madison and is the 19th largest credit union in the state of Wisconsin. It is also the 645th largest credit union in the nation. It was established in 1936 and as of December of 2022, it had grown to 114 employees and 33,672 members at 11 locations. Heartland Credit Union's money market rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Heartland Credit Union is open to those who live, work, or own property in the counties of (1) Dane, Iowa, Grant, Crawford, Sauk, Lafayette, Richland, Green, Dodge, Rock, Columbia, Jefferson or Vernon in Wisconsin; (2) Allamakee, Dubuque, Clayton, Winneshiek, Bremer, Chickasaw, Fayette, Delawar, Buchanan, Jones or Jackson in Iowa; (3) Boone, Stephenson, Winnebago or Jo Daviess in Illinois. Also eligible for membership are (3) employees of AT&T, Credit Union Executives Society, Esterline Avista, and Lands' End; (4) 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; (5) 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

Reviews (2)

Long-time Member With No Plans of Leaving!

My now-husband and I became members of Heartland Credit Union when we were living in Platteville, WI. I was attending college and he was working full-time. We were not yet married but we were both contributing to our household bills. Heartland was so flexible in letting me be added as a joint user of his checking account at the time. It made our life so much easier. Then, when we married, it was a seamless transition to joint checking and joint savings. We actually also added an additional savings account. Shortly after, we went through Heartland for a mortgage. The loan officer was very nice and informative. We had all of our necessary paperwork together and she sat down with us for a couple of hours gathering all of the information that she needed. We put an offer on a house and had the loan approved within a couple of weeks at most. Since then, we have also financed two vehicles through Heartland's auto loans and have had other credit unions try to get us to transfer our loans to them but they have not been able to offer us the same low interest rates that Heartland has. So we will continue to be loyal Heartland Credit Union members for the foreseeable future.

They have a loyalty points program that I have many points accrued on. While I am not very interested in many of the items that I can redeem these points for and therefore have a large amount of points available to me, I have redeemed them a couple of times now for free boxes of checks. This is extremely helpful as I don't really care what my checks look like. As long as they are correct and simple, I am perfectly happy. Who would turn down free checks when I hardly even have to write checks anymore?

Additionally, I use the mobile site often and have even used mobile deposit on a couple of occasions. It's very handy to not have to head to the bank for any check that we happen to receive. However, I don't mind going into the local branch because they are so polite and fast. They always seem to remember us (and my three young children). I don't think I could come up a bad thing to say about this credit union from my experiences with them.

Heartland Credit Union

Posted by: |

Extremely poor customer service, website requires 2 separate passwords and to pay their credit cards are almost impossible. There are better choices then Heartland Credit Union.



Health

Health Grade Components

Overall
NCUA #66710
Year Chartered1936
Employees114
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD2.72%
Annual Interest Income$18.2MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$601.4MM$399.2MM
LoansQ4 2022vs Q4 2021$430.3MM$292.4MM
DepositsQ4 2022vs Q4 2021$536.2MM$352.9MM
Equity CapitalQ4 2022vs Q4 2021$54.8MM$32.1MM
Loan Loss AllowanceQ4 2022vs Q4 2021$2.5MM$2.0MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$1.8MM$930.00K
Real Estate OwnedQ4 2022vs Q4 2021$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Heartland Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heartland Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$15k*-Health Savings Account
OTHER TIERS: 0.05% $250 - $2.5k | 0.07% $2.5k - $5k | 0.12% $5k - $15k
0.08%$100-IRA Savings
0.05%$25-Saver's Sweepstakes Savings
0.03%$100-Regular Membership Savings
0.03%$100-Special Purpose Savings

Heartland Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$500k*-Platinum Money Manager
OTHER TIERS: 0.06% Up to $25k | 0.10% $25k - $50k | 0.50% $50k - $100k | 1.40% $100k - $200k | 1.70% $200k - $500k
1.00%*$200k*-Heartland Money Market
OTHER TIERS: 0.40% $50k - $100k | 0.50% $100k - $150k | 0.75% $150k - $200k

Heartland Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$10k-Business Checking

Heartland Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.40%$5k-14 Month CD Special
4.15%$5k-22 Month CD Special
2.50%$500-60 Month CD
1.80%$500-48 Month CD
1.50%$500-36 Month CD
0.90%$500-30 Month CD
0.85%$500-24 Month CD
0.80%$500-18 Month CD
0.75%$500-12 Month CD
0.70%$250-12 Month Add-On CD
0.60%$500-6 Month CD
0.50%$500-3 Month CD

Heartland Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$500-60 Month IRA
1.80%$500-48 Month IRA
1.50%$500-36 Month IRA
0.90%$500-30 Month IRA
0.85%$500-24 Month IRA
0.80%$500-18 Month IRA
0.75%$500-12 Month IRA
0.70%$250-12 Month Add-On IRA
0.60%$500-6 Month IRA
0.50%$500-3 Month IRA
Locations

Availability



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