Heartland CU (IL)

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

Heartland CU (IL) is headquartered in Springfield and is the 26th largest credit union in the state of Illinois. It is also the 814th largest credit union in the nation. It was established in 1946 and as of December of 2018, it had grown to 80 employees and 30,658 members at 5 locations. Heartland CU (IL)'s money market rates are 3X 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 - YTD0.95%
Return on Equity - YTD8.21%
Annual Interest Income$9.8MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$296.4MM$280.1MM
LoansQ4 2018vs Q4 2017$236.9MM$226.3MM
DepositsQ4 2018vs Q4 2017$260.6MM$247.2MM
Equity CapitalQ4 2018vs Q4 2017$33.6MM$30.9MM
Loan Loss AllowanceQ4 2018vs Q4 2017$786.00K$752.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$202.00K$236.00K
Real Estate OwnedQ4 2018vs Q4 2017$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
0.75%--IRA Savings Account
0.60%--Christmas Club Account
0.60%--Vacation Club Account
0.55%$100-Savings Account

Heartland CU (IL) Money Market Rates

1.11%*$100k*-Platinum Money Market Account
OTHER TIERS: 0.55% Up to $25k | 0.70% $25k - $50k | 0.95% $50k - $100k
0.65%*$25k*-Money Market Account
OTHER TIERS: 0.55% $2k - $25k

Heartland CU (IL) CD Rates

2.48%$10k-60 Month CD Special
2.43%$1k-48 Month CD
2.38%$1k-36 Month CD
1.92%$1k-24 Month CD
1.92%$1k-30 Month CD
1.66%$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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