Heartland Federal Credit Union

Overview / Commentary
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.
See current membership details


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Health Grade Components

NCUA #264
Year Chartered1935
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
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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

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

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

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

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

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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