2. Heartland Federal Credit Union

Heartland Federal Credit Union


Overview / Commentary
www.thinkheartland.com
937-294-1991
3400 Office Park Dr
Dayton, OH 45439

Heartland Federal Credit Union is headquartered in Dayton and is the 61st largest credit union in the state of Ohio. It is also the 1,610th largest credit union in the nation. It was established in 1935 and as of December of 2018, it had grown to 27 employees and 9,761 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
A

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #264
Year Chartered1935
Employees27
Primary Regulator
Profit Margin
Return on Assets - YTD0.06%
Return on Equity - YTD0.52%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$100.2MM$100.9MM
LoansQ4 2018vs Q4 2017$64.4MM$62.3MM
DepositsQ4 2018vs Q4 2017$87.2MM$87.7MM
Equity CapitalQ4 2018vs Q4 2017$12.2MM$12.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$610.00K$700.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$722.00K$473.00K
Real Estate OwnedQ4 2018vs Q4 2017$65.00K$198.00K
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
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$500-36 Month IRA Share Certificate
1.76%$500-24 Month IRA Share Certificate
1.26%$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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