Dayton, OH 45439


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 264
Date Established 1935
Assets $102.01 million
Loans $65.31 million
Deposits $88.91 million
Capital $13.00 million

Heartland is an NCUA insured institution located in Dayton, OH. It was founded in 1935 and has approximately $102.01 millions in assets.

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.

Deposit Rates - September 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.20% $2,501 $10,000 Learn MoreShow Less
Money Market
0.25% $10,001 $25,000 Learn MoreShow Less
Money Market
0.31% $25,001 - Learn MoreShow Less
Fixed IRA
1.26% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
1.00% $1,000 - Learn MoreShow Less
12 Mo CD
1.26% $500 - Learn MoreShow Less
18 Mo CD
1.51% $500 - Learn MoreShow Less
24 Mo CD
1.76% $500 - Learn MoreShow Less
36 Mo CD
2.02% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.35% $10 - Learn MoreShow Less

Loan Rates - September 22, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for HEARTLAND

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
NMLS ID: 2890
License#: MC-3098
3.536% 3.500% 0.50 $1,108 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Heartland branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Heartland Locations

Financial Details

Heartland Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Heartland. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Heartland U.S. Average
9.74% 6.77

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2019, Heartland had $1,264,107 in non-current loans and $60,026 in owned assets. To cover these potential losses it had $13,002,525 in net worth and $590,000 in loans loss reserves. That gives it a Texas Ratio of 9.74%.

Net Worth
Heartland U.S. Average
12.74% 13.47%

Heartland FCU has a net worth of 12.74% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Heartland

Branches and Savings

What is Heartland?

A federal credit union, registered with the NCUA under certificate #264.
Learn more about credit unions here.

Is Heartland FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Heartland?

Please see Field of Membership information above for information on who is eligible to join.

What are Heartland's share account and share certificate rates?

Heartland's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Heartland?

Heartland has total capital of $13.00 million. Full information on Heartland's financial position is located above.

Who owns Heartland?

Credit Unions are owned by their members.

Where are Heartland branches located?

See branch locations nearby.

Are Heartland ATMs Open 24/7?

Do Heartland ATMs accept cash deposits?

Can Heartland customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Heartland have a mobile app?

Does Heartland have mobile deposit?

Does Heartland have quick pay?

How can Heartland transfer money to other banks or credit unions?

Does Heartland report to credit bureaus?

Does Heartland use Chexsystems?

Does Heartland use Equifax?

What is Heartland's toll free phone number?

What is Heartland's ACH Routing Number?

What is Heartland's SWIFT code?

Where can I find Heartland's wire transfer form?

What is the Heartland address for deposits?

What Products Does Heartland Offer

Does Heartland offer mortgages?

Compare mortgage rates here.

Does Heartland offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Heartland offer auto and RV loans?

Compare auto loan rates here.

Does Heartland offer student loans or personal loans?

Compare personal loan rates here.

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