Heartland CU (IL)

Overview / Commentary
2213 W White Oaks Dr
Springfield, IL 62704

Heartland CU (IL) is headquartered in Springfield and is the 25th largest credit union in the state of Illinois. It is also the 805th largest credit union in the nation. It was established in 1946 and as of September of 2019, it had grown to 78 employees and 31,330 members at 5 locations. Heartland CU (IL)'s money market rates are 2X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Heartland Credit Union is open to: 1) anyone who works or lives in the Illinois counties of Cass, Christian, Dewitt, Logan, Macon, Macoupin, Madison, McLean, Menard, Montgomery, Morgan, or Sangamon; 2) Employees of Memorial Health System and its controlled affiliates, SIU School of Medicine, Southern Illinois Airport Authority, Springfield Mass Transit District, or the United States Government also qualify for membership; 3) Members of Gospel Kingdom Church, Laborers International Union of North America (LIUNA) or any Laborers' Local belonging to any District Council part of the Midwest Region are also eligible to join; 4) Immediate family of current Heartland Credit Union members also qualify.
See current membership details


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Health Grade Components

NCUA #64441
Year Chartered1946
Primary Regulator
Profit Margin
Return on Assets - YTD0.98%
Return on Equity - YTD8.45%
Annual Interest Income$8.4MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$311.7MM$285.9MM
LoansQ3 2019vs Q3 2018$241.0MM$238.5MM
DepositsQ3 2019vs Q3 2018$273.3MM$250.9MM
Equity CapitalQ3 2019vs Q3 2018$35.9MM$33.0MM
Loan Loss AllowanceQ3 2019vs Q3 2018$815.00K$766.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$402.00K$263.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heartland CU (IL) Savings Account Rates

2.02%--Round Up Saving Challenge 2019
0.65%--IRA Savings Account
0.50%--Christmas Club Account
0.50%--Vacation Club Account
0.45%$100-Savings Account

Heartland CU (IL) Money Market Rates

0.95%*$100k*-Platinum Money Market Account
OTHER TIERS: 0.45% Up to $25k | 0.60% $25k - $50k | 0.80% $50k - $100k
0.55%*$25k*-Money Market Account
OTHER TIERS: 0.45% $2k - $25k

Heartland CU (IL) CD Rates

2.22%$10k-60 Month CD Special
2.12%$1k-48 Month CD
2.02%$1k-36 Month CD
1.82%$1k-24 Month CD
1.82%$1k-30 Month CD
1.56%$1k-18 Month CD
1.46%$1k-16 Month CD
1.46%$1k-17 Month CD
1.46%$1k-15 Month CD
1.26%$5k-12 Month CD
1.26%$1k-12 Month Teen Club CD
1.26%$1k-13 Month CD
1.26%$1k-14 Month CD
0.95%*$5k*-11 Month CD
OTHER TIERS: 0.90% $1k - $5k
0.90%$1k-6 Month CD
0.90%$1k-6 Month Teen Club CD
0.90%$1k-7 Month CD
0.50%$1k-3 Month CD
0.50%$1k-3 Month Teen Club CD

Heartland CU (IL) Locations
Branch Office701 N 1st St Rm C18Springfield, IL 62781
Branch Office720 S Grand Ave WSpringfield, IL 62704
Branch Office2213 W White Oaks DrSpringfield, IL 62704
Branch Office2712 E Sangamon AveSpringfield, IL 62702
Branch Office610 E Saint Joseph StSpringfield, IL 62703

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