Heartland Credit Union Ness City KS | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Heartland, your trusted partner in financial well-being since 1948. Located at 202 S Topeka Ave, Ness City, KS 67560, we have proudly served our community for over 75 years. With a strong commitment to our members, we currently support a vibrant community of 40,098 individuals who benefit from our range of services tailored to meet their needs. At Heartland, we understand that financial choices can be overwhelming. That's why we're here to help simplify those choices for you. With total assets exceeding $647,519,323 and total deposits of $36,762,690, we provide a solid foundation for your financial journey. Our team works diligently to ensure that you feel secure in your banking decisions. Under the leadership of CEO Dan Springer and Board President Rex Christner, our dedicated staff of 145 employees is ready to assist you with everything from personal banking and auto loans to business financing solutions. We pride ourselves on being more than just a credit union; we are a community hub where relationships matter. While members can visit us at our branch location, official correspondence should be sent to the same address: 202 S Topeka Ave, Ness City, KS 67560-1936. For any inquiries or assistance, feel free to reach out at (620) 669-0177 or explore our website at Heartland Credit Union. Join us today and discover how Heartland can help you achieve your financial goals! Whether you're looking for guidance on loans or simply want to manage your accounts better through online and mobile banking options, we're here for you every step of the way.

Branch History & Mission

Heartland has a rich legacy that began in 1948, serving the community of Ness City, Kansas. Since opening our doors at 202 S Topeka Ave, we have been dedicated to providing exceptional financial services tailored to meet the needs of our members. Over the years, Heartland has grown significantly, now boasting a total membership of 40,098 and assets amounting to an impressive $647,519,323. Our mission is clear: we strive to empower our members through accessible financial solutions while fostering a sense of community and belonging. At Heartland, we believe that everyone deserves the opportunity for financial stability and growth. We offer a range of services from personal banking and auto loans to mortgage refinancing and business banking. Our commitment extends beyond transactions; we genuinely care about improving the lives of our members and supporting local initiatives. As we reflect on our journey, we've embraced change and innovation. We've made significant digital advancements to enhance member experiences with features like online banking and mobile payments. Our drive-thru service allows for convenient banking without leaving your vehicle, ensuring accessibility for all. While our main office is located in Hutchinson, KS, official correspondence can be sent to our branch at 202 S Topeka Ave, Ness City, KS 67560-1936. As part of our dedication to inclusivity, we ensure ADA compliance across all platforms and services. Community outreach is at the heart of what we do. We actively partner with local organizations to uplift those around us, understanding that a strong community leads to strong members. We invite you to join us at Heartland and experience the benefits of being part of a credit union that truly cares about its members. Whether you're looking for a checking account or considering financing options for your next vehicle, we're here to help you every step of the way. Together, let's build a brighter financial future! For more information or to become a member today, please call us at 620-669-0177 or visit us online at Heartland.

Branch Location & Accessibility

Welcome to Heartland, your friendly neighborhood credit union located at 202 S Topeka Ave in Ness City, KS! Our branch is conveniently situated just a stone's throw away from local favorites like the Ness County Historical Society and the vibrant downtown area, making it easy for you to stop by while running errands or enjoying a day out. At Heartland, we understand that accessibility is key for our members. Our location features ample parking and is designed to accommodate everyone, including those with mobility challenges. Whether you're visiting us for personal banking services or need assistance with loans and accounts, our welcoming environment ensures that you feel right at home. We're here to serve you during convenient hours: our lobby is open Monday through Friday from 9 AM to 4 PM, while our drive-thru service operates from 8 AM to 4 PM. This means you can quickly take care of deposits and withdrawals without ever having to leave your car! While members can visit us at 202 S Topeka Ave, official correspondence should be sent to our mailing address at 202 S Topeka Ave, Ness City, KS 67560-1936. If you have any questions or need further assistance, don't hesitate to give us a call at 620-669-0177. Although we do not currently have ATM services available at this location, our drive-thru does provide basic banking services such as deposits and simple transactions. We are dedicated to offering personal banking solutions tailored to your needs, including checking and savings accounts, auto loans, mortgage options, and more. So why wait? Come visit us at Heartland today your financial journey starts here!

Member Eligibility

At Heartland, we believe that everyone deserves a place to belong, and becoming a member is your first step into our supportive community. If you live, work, or worship in the area around 202 S Topeka Ave Ness City Ks 67560, you're already eligible! We welcome individuals who are seeking a financial partner that truly cares about their needs. Membership with us means not only gaining access to our range of services but also becoming part of a community focused on helping each other thrive. You can find more detailed information about eligibility on our website at https://consumer.hcu.coop . Opening an account with us is straightforward and welcoming. Just visit our site at http://www.hcu.coop/loan-apps to get started. If you have any questions or need assistance, feel free to give us a call at (620) 669-0177. We're here to help you every step of the way as you join the Heartland family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $921 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $73,160,026, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having a reliable partner to handle your payment processing needs while you focus on what you do best running your business. Our merchant services provide the tools you need to accept payments easily, making transactions smooth for both you and your customers. This means less time worrying about finances and more time dedicated to growing your brand. If you're in the Ness City area, stop by our branch located at 202 S Topeka Ave Ness City Ks 67560 or give us a call at (620) 669-0177. Let's explore how we can help your business thrive!

Comprehensive List Of Services

Business Banking Solutions

Running a business comes with its own set of challenges. That's why at Heartland, we provide comprehensive business banking services, including merchant services and business loans tailored to support your growth. Our team understands the importance of having reliable financial backing, so we work hard to offer solutions that make sense for your unique business needs.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features, allowing you to access your accounts anytime, anywhere. With services like person-to-person payments and mobile payments, managing your money has never been easier.

Drive-Thru Banking Services

For those who prefer face-to-face interaction, our basic drive-thru banking allows you to conduct simple transactions such as deposits and withdrawals quickly and efficiently without leaving your car. At Heartland, we're here to help navigate all aspects of your financial life. Whether you're looking for personal assistance or exploring business opportunities, our friendly staff is ready to assist you at our branch located at 202 S Topeka Ave Ness City KS 67560. If you're interested in learning more about how Heartland can support your financial goals or if you're ready to open an account, don't hesitate to give us a call at 620-669-0177 or visit us online at Heartland Credit Union. We look forward to serving you!

Personal Banking Services

We understand that your financial journey is unique. That's why we offer various personal banking options, including checking and savings accounts designed to help you save and manage your money effectively. If you're considering purchasing a new vehicle, our auto loans and vehicle financing can help you drive away with the car of your dreams without breaking the bank. For those looking to buy a home, our mortgage loans and refinancing options ensure that you can secure the best rates available. If life throws unexpected expenses your way, our personal loans and debt consolidation services offer flexible terms to get you back on track. Plus, with our credit cards featuring rewards, you can earn benefits while making everyday purchases.

Digital & Online Banking

Convenience and Accessibility

We also offer mobile payments, making it simple to pay for purchases directly from your phone. Imagine leaving your wallet behind and still being able to make transactions effortlessly! Our services are designed to fit into your lifestyle seamlessly. Managing your account in real-time has never been easier. With features like instant notifications for transactions and updates, you'll always know what's happening with your money. At Heartland, we believe in empowering our members through technology while ensuring that every interaction remains secure and straightforward. Whether you're a tech-savvy user or just getting started, our digital banking services are here to help you navigate your financial journey confidently.

Key Services Offered

With our online banking platform, accessible at https://www.hcu.coop/ , you have 24/7 access to your accounts. This means you can manage your money whenever it suits you. Our user-friendly mobile application makes it even easier to stay on top of your finances. You can pay bills, transfer money between accounts, and even make person-to-person transfers with just a few taps. Security is a top priority for us. That's why we provide electronic signature authorization for added safety when handling transactions. Plus, you can enjoy the peace of mind that comes with having e-statements available. This not only helps you keep track of your financial activity but also reduces paper clutter.

Financial Strength

Commitment to Innovation

With $52,222,682 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $11,247 in used auto loans and $539,626,911 in total loans and leases.

Growing Membership Base

We have a robust member base with a total of 79,108 share accounts, showing that more individuals trust us with their finances. With net shares available for lending and investments totaling $20,268,796, we are well-positioned to meet your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Heartland is your trusted partner. Visit us at 202 S Topeka Ave Ness City Ks 67560 or call (620) 669-0177 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 140 full-time employees and 5 part-time employees. This ensures our branches are always ready to serve you with a knowledgeable, committed team.

Secured Member Savings

Members' savings are secured through $189,877,623 in share certificates and $103,927,526 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $19,892,329, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $55,795,373, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $860 demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $206,767,627 in used vehicle loans and $38,189,385 in new vehicle loans already helping members get on the road. Whether you're looking for a brand-new vehicle or a reliable used car, we have options that can fit your budget.

Business Solutions

For business owners, our outstanding commercial loans totaling $73,160,026 provide the capital needed to grow and expand. We understand that every business is unique; that's why we work closely with you to find the right financing solution.

Easy Refinancing Options

If you're considering refinancing any existing loans for better rates or terms, we encourage you to reach out. We offer various refinancing options that can help lower your monthly payments and reduce your overall interest costs. To explore our loan offerings further or learn about eligibility options, feel free to visit us at 202 S Topeka Ave Ness City KS 67560, call us at 620-669-0177, or check out our website at Heartland. We are dedicated to providing you with the best service possible. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Heartland Credit Union, we're here to support your financial journey!

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $30,107,926, make buying or refinancing simple. We believe that everyone deserves a place to call home, and our mortgage team is here to guide you through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $9,939,550 in loans helping members manage their finances effectively. These cards are perfect for those who need access to credit without collateral requirements.

Loan Aggregator

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HEARTLAND CREDIT UNION - Ness City, KS