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 823rd largest credit union in the nation. It was established in 1946 and as of June of 2018, it had grown to 80 employees and 30,757 members at 5 locations. Heartland CU (IL)'s CD 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 anyone who works or lives in the Illinois counties of Cass, Christian, Dewitt, Logan, Macon, Macoupin, Madison, McLean, Menard, Montgomery, Morgan, or Sangamon. 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. 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. 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 - YTD0.92%
Return on Equity - YTD8.35%
Annual Interest Income$4.7MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$289.0MM$275.8MM
LoansQ2 2018vs Q2 2017$237.1MM$222.4MM
DepositsQ2 2018vs Q2 2017$254.9MM$244.1MM
Equity CapitalQ2 2018vs Q2 2017$32.2MM$29.8MM
Loan Loss AllowanceQ2 2018vs Q2 2017$780.00K$715.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$255.00K$191.00K
Real Estate OwnedQ2 2018vs Q2 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

0.55%--IRA Savings Account
0.40%--Christmas Club Account
0.40%--Vacation Club Account
0.35%$100-Savings Account

Heartland CU (IL) Money Market Rates

0.50%*$25k*-Platinum Money Market Account
OTHER TIERS: 0.35% Up to $25k
0.45%*$25k*-Money Market Account
OTHER TIERS: 0.35% $2k - $25k

Heartland CU (IL) CD Rates

3.14%$1k-36 Month CD Special (New Money Only)
2.07%$10k-60 Month CD Special
2.02%$5k-12 Month CD Special (New Money Only)
1.91%$1k-48 Months CD
1.82%$1k-24 Months CD
1.82%$1k-30 Months CD
1.66%$1k-18 Months CD
1.21%$1k-16 Months CD
1.21%$1k-17 Months CD
1.21%$1k-15 Months CD
1.16%$1k-12 Month CD
1.16%$1k-12 Months Teen Club CD
1.16%$1k-13 Months CD
1.16%$1k-14 Months CD
0.60%*$5k*-11 Months CD
OTHER TIERS: 0.55% $1k - $5k
0.55%$1k-6 Months CD
0.55%$1k-6 Months Teen Club CD
0.55%$1k-7 Months CD
0.25%$1k-3 Months CD
0.25%$1k-3 Months Teen Club CD

Heartland CU (IL) IRA Rates

3.14%$1k-36 Month IRA
1.66%$1k-18 Month IRA

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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