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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 63rd largest credit union in the state of Ohio. It is also the 1,638th largest credit union in the nation. It was established in 1935 and as of December of 2020, it had grown to 22 employees and 9,653 members at 5 locations. Heartland Federal Credit Union's savings rates are 3X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Heartland Federal Credit Union is open to those who live, work, worship, or attend school in Clark, Greene, Montgomery or Miami Counties in Ohio.
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Health
A+

Data as of Q4 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #264
Year Chartered1935
Employees22
Primary Regulator
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD3%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$113.2MM$99.2MM
LoansQ4 2020vs Q4 2019$64.3MM$65.0MM
DepositsQ4 2020vs Q4 2019$97.7MM$84.3MM
Equity CapitalQ4 2020vs Q4 2019$13.5MM$12.9MM
Loan Loss AllowanceQ4 2020vs Q4 2019$475.00K$530.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$359.00K$278.00K
Real Estate OwnedQ4 2020vs Q4 2019$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Heartland Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.