Heartland Credit Union Arden Hills MN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Heartland, your trusted partner in financial wellness, located at 4001 Lexington Ave N, Arden Hills, MN 55126. Since our establishment in 1939, we have been dedicated to serving the community with personalized banking solutions tailored to meet your needs. With over 10,906 members and a strong commitment to their financial health, we pride ourselves on offering services that truly make a difference. At Heartland, we understand that your financial journey is unique. That's why we provide a wide range of products, including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our goal is to empower you with the right tools and resources for your financial success. Our total assets stand at an impressive $177,544,829, reflecting our stability and growth as a member-focused credit union. With $421,943 in total deposits and $16,945,956 in net worth, you can trust that your funds are secure with us. Our dedicated team of 34 employees, led by CEO Kathleen Harrington and Board President Rex Carlson, is here to assist you every step of the way. While members can visit us at our branch location for personalized service, official correspondence should be directed to the same address: 4001 Lexington Ave N, Arden Hills, MN 55126. We invite you to explore our website at Heartland Credit Union for more information about our offerings or simply give us a call at 651-451-5160. Let us help you achieve your financial goals today!

Branch History & Mission

Join Us

As we look toward the future, we invite you to become a part of Heartland's story. Experience firsthand how we can help you achieve your financial goals while making a positive impact in our community. Visit us today at 4001 Lexington Ave N or explore more about what we offer at heartlandcu.org. Together, let's build a brighter financial future!

Our Journey

Located at 4001 Lexington Ave N, Arden Hills, MN 55126, Heartland has seen significant milestones throughout its journey. From our inception during a time of economic uncertainty to becoming a cornerstone of financial stability for local families, we have always prioritized the well-being of our community. Our growth reflects not just numbers but the relationships we've built over decades relationships grounded in trust and mutual support. As we continue to expand our offerings, our focus remains on delivering personalized financial solutions. We understand that each member's journey is unique, which is why we provide a range of services including personal banking, auto loans, mortgage refinancing, and business banking options. Additionally, our commitment to digital advancements ensures that you can manage your finances conveniently through online and mobile banking platforms.

Our Mission

At Heartland, our mission is clear: to empower our members through sound financial guidance and support while actively contributing to the community's growth. We strive not only to offer competitive rates and products but also to foster an environment where financial literacy thrives. Whether it's through workshops or one-on-one consultations, we aim to equip our members with the knowledge they need for informed decision-making. We take pride in being more than just a financial institution; we are an integral part of Arden Hills. Our outreach efforts include partnering with local organizations to address community needs and support initiatives that uplift those around us. For your convenience, we are open Monday through Friday from 9 am to 4 pm. Feel free to reach out at 651-451-5160 for any inquiries or assistance you may need.

Branch Location & Accessibility

Convenient Access

At Heartland, we understand that accessibility is important. Our branch features ample parking and is fully ADA-compliant, ensuring that everyone can easily visit us. Whether you're stopping by for personal banking services or have questions about loans and credit cards, our team is here to assist you.

Operating Hours

We're open Monday through Friday from 9 am to 4 pm, making it simple for you to drop by before or after work or during lunch breaks. If you need assistance outside these hours, don't hesitate to give us a call at 651-451-5160 we're always ready to help!

Services and Amenities

Heartland provides a variety of services tailored just for you. Enjoy personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. We also offer online and mobile banking features for added convenience. While we don't currently have a drive-thru service, we do have an ATM available on-site for quick cash withdrawals and balance checks. While members can visit us at 4001 Lexington Ave N, official correspondence should be sent to the same address as our mailing address: 4001 Lexington Ave N, Arden Hills, MN 55126. We invite you to stop by Heartland today! Whether you're looking for guidance on financial products or simply want to chat with one of our knowledgeable staff members, we're here for you. Come experience the Heartland difference!

Member Eligibility

At Heartland, we believe that joining our community is more than just opening an account it's about becoming part of a family that truly cares about its members. If you're looking to become a member, the good news is that eligibility is straightforward and welcoming! Generally, individuals who live, work, or worship in our local area can join us. This includes residents of Arden Hills and the surrounding communities. We invite you to check out the full details on eligibility by visiting this link: . Once you've determined your eligibility, opening an account is a breeze! Our friendly team is here to guide you every step of the way. Whether you have questions or need assistance, feel free to reach out at (651) 451-5160 during our operating hours from 9 am to 4 pm Monday through Friday. We're excited to have you join us at Heartland, located at 4001 Lexington Ave N Arden Hills Mn 55126, where you'll enjoy personalized banking services designed with your needs in mind. Welcome aboard!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine being able to accept payments quickly and securely, giving your customers the convenience they expect while boosting your cash flow. Our merchant services make this possible, allowing you to focus on what you do best running your business. By streamlining payment processing, we help ensure that every transaction counts towards your success. Located at 4001 Lexington Ave N, Arden Hills, MN 55126, Heartland is dedicated to fostering local businesses. If you're ready to take the next step in your business journey or simply want to learn more about how we can assist you, give us a call at 651-451-5160. Let's work together to build a brighter future for your business!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that fit your needs.

Comprehensive List Of Services

Borrowing Options

Need some extra cash? Our personal loans and debt consolidation services can be lifesavers during tough times. Whether it's for an unexpected expense or consolidating existing debts into one manageable payment, we are here to help you find the best solution for your situation. For everyday spending or building credit, consider our credit cards with rewards. They not only offer convenience but also the chance to earn points on purchases turning your everyday spending into rewards that benefit you.

Business Banking Support

Small businesses are the backbone of our community, and at Heartland, we recognize this by offering comprehensive business banking solutions. From merchant services that make transactions easier for your customers to business loans that help you expand or invest in new opportunities, we provide tailored support for local entrepreneurs.

Convenient Digital Access

In today's fast-paced world, having access to banking services anytime is crucial. That's why we offer robust online and mobile banking features. You can check balances, transfer funds, and pay bills all from the comfort of your home or on-the-go using our user-friendly mobile app. Our ATM services allow for quick cash withdrawals and balance checks whenever you need them. With convenient access points throughout the area, managing your finances has never been easier.

Get In Touch

We invite you to explore these services further by visiting us at 4001 Lexington Ave N Arden Hills Mn 55126 or calling us at (651) 451-5160 during our operating hours from 9 AM to 4 PM Monday through Friday. At Heartland, we are committed to supporting you every step of the way on your financial journey! For more information about our offerings or to become a member today, please visit our website at Lol.

Home Financing Made Easy

For those looking at homeownership or refinancing their current mortgage, our mortgage loans are designed with you in mind. We offer personalized service to help you navigate the often complex home buying process. With flexible terms and guidance from our knowledgeable staff, owning your dream home is within reach.

Personal Banking Solutions

When it comes to personal banking, we offer a variety of options that can simplify your life. Our checking and savings accounts provide flexible access to your funds, making it easy to manage your day-to-day expenses while saving for future goals. Imagine being able to set aside money effortlessly each month, thanks to our competitive interest rates. If you're considering purchasing a vehicle, our auto loans and vehicle financing options make it straightforward. We understand that buying a car is a significant investment, so we strive to offer competitive rates that fit your budget. Picture driving off in your new car without the stress of high monthly payments!

Digital & Online Banking

Key Features

Our online banking platform provides a user-friendly experience where you can easily check your account balances, transfer funds, and pay bills all with just a few clicks. You can also enjoy e-statements for hassle-free access to your financial documents, eliminating the need for paper clutter. Plus, with our electronic signature authorization feature, signing important documents is quick and straightforward. For those moments when you need to send money to friends or family, our person-to-person transfer service makes it easy. Just enter their information, and you're set! And if you're always on the move, you'll appreciate our mobile application that lets you manage your accounts wherever you are.

Security and Accessibility

We prioritize your security by incorporating advanced measures to protect your personal information while ensuring ease of access. Our online banking is designed to be intuitive and secure, so you can focus on what matters most your financial goals. In summary, whether you're checking balances, making payments, or transferring funds, Heartland's digital banking services provide all the tools you need for effective real-time account management. Experience the convenience today by visiting us at Heartland's website and see how we can help simplify your banking experience!

Financial Strength

Growing Member Base

We currently serve a strong community with a total of 21,381 share accounts, showing a growing member base that trusts us with their finances. 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 4001 Lexington Ave N Arden Hills Mn 55126 or call 651-451-5160 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Operational Efficiency

Our net income of $168,543 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 33 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Member Benefit

With $16,378,305 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 your financial goals with $26,873 in used auto loans and $108,725,851 in total loans and leases.

Secure Savings Options

Members' savings are secured through $36,315,922 in share certificates and $10,436,654 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, 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 $16,945,956, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 953 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Information

If you're considering refinancing or need help understanding your eligibility for any of our loan products, our friendly staff is here to assist you. We encourage you to reach out via phone at 651-451-5160 or visit us at our branch located at 4001 Lexington Ave N Arden Hills Mn 55126 during our operating hours from 9 am to 4 pm Monday through Friday. For more information about our loan offerings and how we can assist you further, please visit our website at Heartland. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $28,474,794 in used vehicle loans and $6,127,714 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have flexible options available to suit your budget.

Credit Lines and Unsecured Loans

For those looking for extra flexibility in managing finances, our credit lines total $66,532,901. Plus, we also offer flexible terms on unsecured credit card loans, with a total of $5,866,355 in loans helping members manage their finances effectively. This means you can access funds when you need them without worrying about collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $14,757,436, make buying or refinancing simple. We provide competitive rates and terms that can help make your dream home a reality.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to sourcing ensures that all offers are fair and transparent, giving users confidence in their choices.

HEARTLAND CREDIT UNION