Heartland Credit Union Info + Review
Heartland Credit Union is the CU that we’ll be focused on in this profile. Get ready for all the important info on them and a solid review.
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This will cover things like their routing number, phone number, and what product offerings they have. In-line with our other review/profiles, we’ll be looking at whether or not they are involved in any philanthropy at Heartland Credit Union or not.
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Here we go.
*Routing #: 275978886
*Phone numbers: 800.362.3944 • 608.282.7000
Heartland Credit Union Hours
Lobby Hours
Monday – Friday: 9:00 a.m. – 5:00 p.m.
Drive-Up Hours
Monday – Friday: 9:00 a.m. – 5:00 p.m.
Saturday: 9:00 a.m. – Noon
These are affected by holidays, so call first or check online before going there on any of the big ones. That’s Christmas, Thanksgiving, 4th and 5th of July, etc.
Some of Their History
I love when credit unions give a really detailed history on their websites. Heartland Credit Union does just that. In fact, they give details right down to the first loan granted by their team.
They were started in a cold February 1936. I can personally attest that the heartland gets very cold around that time of year. Like, freezing your toes off cold. Anyway, it looks like they started on the first floor of a telephone company building in Madison, Wisconsin.
They probably enjoyed their cheese. Their first employee was a man named John Cash. After doing some digging, I couldn’t find whether there was any relationship to THE Johnny Cash or not.
On their first night in business, Heartland Credit Union took in some money and gave out their first loan to a guy named Nick Guerten. Close to 100 years later, they have assets of over $400 million dollars in assets and are still going strong today.
Membership at Heartland Credit Union
If you want to join, you can live, work, or own property in a few different counties and states. In Wisconsin, that’s Dane, Grant, Iowa, Crawford, Lafayette, Sauk, Richland, Dodge, Green, Rock, Jefferson, Columbia or Vernon County.
If you live in Iowa, that’s Allamakee, Clayton, Dubuque, Winneshiek, Chickasaw, Bremer, Fayette, Buchanan, Delaware, Jackson or Jones County. In Illinois that’s Boone, Jo Daviess, Stephenson or Winnebago County.
Those aren’t the only ways to qualify, since you can also qualify as an employee of certain organizations. Those include AT&T, Credit Union Executives Society(CUES), Esterline Avista or Lands’ End.
There are also a handful of other ways, so, there’s a good chance you can get. Take a look at the full list of ways into membership on their site here.
Financial Products at Heartland Credit Union
You can choose from typical financial products here, like checking accounts, savings accounts, and credit cards. Aside from their traditional savings account, they also offer things like HSAs, IRAs, and special purpose accounts, among others.
If you need a mortgage, then Heartland Credit Union has you covered. You can choose from a lot of different rates, here are some that are current as of this writing:
| Interest Rate3.000% | Discount Points | APR3.081% | Payment Amount$632 |
| Interest Rate2.750% | Discount Points | APR2.863% | Payment Amount$813 |
| Interest Rate2.250% | Discount Points | APR2.395% | Payment Amount$983 |
| Interest Rate3.125% | Discount Points | APR3.206% | Payment Amount$643 |
They also offer refinancing, in addition to the mortgages and other lending products. Their vehicle loan rates (as of this writing) are:
VEHICLE LOAN Rates at Heartland Credit Union
Rates as of September 1, 2021 and are subject to change without notice.
| New Car, Trucks, Motorcycles, Boats, and Motor Homes (2020 and newer) | APR as low as* |
|---|---|
| Up To 36 months | 1.99% |
| 37 – 60 months | 2.49% |
| 61 – 72 months (Min. $20,000) | 2.99% |
| 73 to 84 months or greater (Min. $30,000) | 3.99% |
| Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2012 to 2019) | APR as low as*** |
| Up To 36 months | 2.74% |
| 37 – 60 months | 2.99% |
| 61 – 72 months (Min. $20,000) | 4.24% |
| 73 to 84 months or greater (Min. $30,000) | 5.24% |
| Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2011 and older) | APR as low as*** |
| Up to 60 months | 7.99% |
| Recreational Vehicles: Snowmobiles • ATVs • Campers | APR as low as*** |
| Up to 36 months | 4.24% |
| 37 – 60 months | 4.24% |
| 61 to 72 months (Min. $20,000) | 5.24% |
***Based upon independent research conducted by Datatrac for 4128 financial institution locations in Wisconsin
Other Services and Philanthropy
Heartland also offers various products related to ag businesses and other business services. These include remote deposit capture, merchant services, loans and other products. They also support a number of different local organizations, which are listed here.
Heartland Credit Union – Tying It All Together
If you’re looking for a solid credit union and you qualify, then look no further than Heartland Credit Union. There are affordable rates, their team looks good and qualified for handling your finances, and you’ll probably feel like family here.
*All information in this article was current at the time of this writing, however, it could change without notice. We do our best to keep these updated, however, there is no guarantee you will find the same information on the CU’s website or at the time of opening an account with them.
**This site is not affiliated with the Credit Union mentioned in this article.