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Heartland CU (IL)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.hcu.org
217-726-8877
2213 W White Oaks Dr
Springfield, IL 62704

Heartland CU (IL) is headquartered in Springfield and is the 22nd largest credit union in the state of Illinois. It is also the 728th largest credit union in the nation. It was established in 1946 and as of March of 2025, it had grown to 72 employees and 34,546 members at 3 locations. Heartland CU (IL) has 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

Reviews

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #64441
Year Chartered1946
Employees72
Primary Regulator
Profit Margin
Return on Assets - YTD1.95%
Return on Equity - YTD15.12%
Annual Interest Income$6.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$523MM$473.7MM
LoansQ1 2025vs Q1 2024$364MM$331.2MM
DepositsQ1 2025vs Q1 2024$454.3MM$413.2MM
Equity CapitalQ1 2025vs Q1 2024$66MM$57MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.5MM$1.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$614K$452K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Rates for Heartland CU (IL) are currently being reviewed.

Locations


Heartland CU (IL) Locations
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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