Heartland Credit Union
Headquarters
2213 W White Oaks Dr
Springfield, IL 62704
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2024 Overview
General Credit Union Information
Heartland is an NCUA insured institution located in Springfield, IL. It was founded in 1946 and has approximately $451.87 millions in assets.
Who can join?
Anyone living, working or owning property in these counties:
Wisconsin: Dane, Grant, Iowa, Crawford, Lafayette, Sauk, Richland, Dodge, Green, Rock, Jefferson, Columbia or Vernon County
Iowa: Allamakee, Clayton, Dubuque, Winneshiek, Chickasaw, Bremer, Fayette, Buchanan, Delaware, Jackson and Jones County
Illinois: Boone, Jo Daviess, Stephenson & Winnebago County
You can also qualify for membership if affiliated with any of these organizations:
Any employee and/or their family member(s) who works for AT&T, SBC, TDS Metro or Independent or Cooperative Telephone Companies in Wisconsin
Dodgeville Agri-Service: Patrons, employees and their family members
Lands' End: Any employee or family member
New Horizons Supply Cooperative of Fennimore: Patrons and family members
Peoples Community Oil Cooperative of Lancaster: Patrons and family members
Scenic River Electric Cooperative
Immediate family of existing Heartland Credit Union members are also eligible to join
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 64441 |
| Date Established | 1946 |
| Assets | $451.87 million |
| Loans | $329.10 million |
| Deposits | $392.94 million |
| Capital | $56.73 million |
Field of Membership Restrictions
Heartland Credit Union of Illinois is open to the residents and the people that maintain employment within these qualified counties: Cass, Christian, DeWitt, Logan, McLean, Macon, Macoupin, Madison, Menard, Montgomery, Morgan, and Sangamon, as well as any federal employees, and the employees of the credit union affiliated select employee groups or members of the organizations that are both listed on the credit union website, along with the family members of current credit union members.
Deposit Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.20% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.01% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.01% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.16% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.16% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.31% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.31% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.20% | $2,500 | $3,499 | Learn More |
Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.774% | 6.750% | 0.25 | $803 | $2,076 | Learn More |
NMLS ID: 2059741 |
6.994% | 6.875% | 0.63 | $3,901 | $2,103 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Heartland
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Branches
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:
Columbus,Ohio
Climate Policy and Initiatives
HEARTLAND is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 3.11% | 6.97 |
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 December 31, 2023, Heartland had $1,787,446 in non-current loans and $0 in owned assets. To cover these potential losses it had $56,727,073 in net worth and $763,556 in loans loss reserves. That gives it a Texas Ratio of 3.11%.
Net Worth
| Heartland | U.S. Average |
|---|---|
| 12.54% | 13.62% |
Heartland FCU has a net worth of 12.54% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Heartland
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