Heartland Federal Credit Union

Overview / Commentary
3400 Office Park Dr
Dayton, OH 45439

Heartland Federal Credit Union is headquartered in Dayton and is the 62nd largest credit union in the state of Ohio. It is also the 1,626th largest credit union in the nation. It was established in 1935 and as of June of 2019, it had grown to 28 employees and 9,793 members at 5 locations. Heartland Federal Credit Union's savings rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, worship, work, and attend school in Clark, Greene, Miami, and Montgomery counties in Ohio.
See current membership details

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Health Grade Components

NCUA #264
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.19%
Return on Equity - YTD1.51%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$100.4MM$101.9MM
LoansQ2 2019vs Q2 2018$64.5MM$66.3MM
DepositsQ2 2019vs Q2 2018$87.0MM$89.0MM
Equity CapitalQ2 2019vs Q2 2018$12.7MM$12.2MM
Loan Loss AllowanceQ2 2019vs Q2 2018$532.00K$680.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$440.00K$570.00K
Real Estate OwnedQ2 2019vs Q2 2018$65.00K$19.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heartland Federal Credit Union Savings Account Rates

1.51%--Emergency Fund Savings
1.50%--Education Account
0.35%--Regular IRA Shares Account
0.35%--IRA Roth Shares Account
0.35%--Health Savings Account
0.10%--Vacation Club Account
0.10%--Regular Shares Account
0.10%--Holiday Club Account

Heartland Federal Credit Union Money Market Rates

0.31%*$25k*-Full Service Money Market Account
OTHER TIERS: 0.20% $2.5k - $10k | 0.25% $10k - $25k

Heartland Federal Credit Union CD Rates

2.02%$500-36 Month Share Certificate
1.76%$500-24 Month Share Certificate
1.51%$500-18 Month Share Certificate
1.26%$500-15 Month Share Certificate
1.26%$500-12 Month Share Certificate
1.00%$1k-6 Month Share Certificate

Heartland Federal Credit Union IRA Rates

2.02%$500-36 Month IRA Share Certificate
1.76%$500-24 Month IRA Share Certificate
1.26%$500-12 Month IRA Share Certificate

Heartland Federal Credit Union Locations
Branch Office1620 Upper Valley PikeSpringfield, OH 45504-4065
Branch Office1933 Covington AvePiqua, OH 45356-2635
Branch Office3400 Office Park DrDayton, OH 45439
Branch Office3115 S Dixie DrMoraine, OH 45439-2200
Branch Office1 Reynolds WayKettering, OH 45430

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