Heartland Federal Credit Union


Overview / Commentary
937-294-1991
3400 Office Park Dr
Dayton, OH 45439

Heartland Federal Credit Union is headquartered in Dayton and is the 63rd largest credit union in the state of Ohio. It is also the 1,640th largest credit union in the nation. It was established in 1935 and as of December of 2019, it had grown to 26 employees and 9,732 members at 5 locations. Heartland Federal Credit Union's savings rates are 3X the national average, and it has a B+ 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.
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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Heartland Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #264
Year Chartered1935
Employees26
Primary Regulator
Profit Margin
Return on Assets - YTD0.19%
Return on Equity - YTD1.43%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$99.2MM$100.2MM
LoansQ4 2019vs Q4 2018$65.0MM$64.4MM
DepositsQ4 2019vs Q4 2018$84.3MM$87.2MM
Equity CapitalQ4 2019vs Q4 2018$12.9MM$12.2MM
Loan Loss AllowanceQ4 2019vs Q4 2018$530.00K$610.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$278.00K$722.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$65.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.12%*-$1kFast Pass Savings
OTHER TIERS: 0.10% $1k+
2.00%*$25k*-Health Savings Account
OTHER TIERS: 0.35% Up to $2.5k | 0.50% $2.5k - $10k | 1.00% $10k - $25k
1.51%--Education Account
1.51%--Emergency Fund Savings
0.35%--Regular IRA Shares Account
0.35%--IRA Roth Shares Account
0.10%--Vacation Club Account
0.10%--Regular Shares Account
0.10%--Holiday Club Account

Heartland Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$25k*-Money Market Checking
OTHER TIERS: 0.20% $2.5k - $10k | 0.25% $10k - $25k
0.30%*$25k*-Money Market Savings
OTHER TIERS: 0.20% $2.5k - $10k | 0.25% $10k - $25k

Heartland Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$500-60 Month Share Certificate
1.16%$500-48 Month Share Certificate
1.11%$500-36 Month Share Certificate
1.06%$500-24 Month Share Certificate
1.00%$500-18 Month Share Certificate
0.95%$500-15 Month Share Certificate
0.95%$500-12 Month Share Certificate
0.60%$1k-6 Month Share Certificate

Heartland Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$500-60 Month IRA Share Certificate
1.16%$500-48 Month IRA Share Certificate
1.11%$500-36 Month IRA Share Certificate
1.06%$500-24 Month IRA Share Certificate
0.95%$500-12 Month IRA Share Certificate
Locations


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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