Heartland Credit Union Janesville WI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Heartland, your trusted financial partner in Janesville, WI! Located at 3400 E Racine St, our branch has been serving the community since 1936. With over 34,210 members, we are proud to be a cornerstone of financial support for individuals and families alike. Our commitment is reflected in our robust financial standing, boasting total assets of $606,940,994 and total deposits reaching $19,067,005. At Heartland, we understand that every member has unique financial needs. That's why we offer a wide range of services, from personal banking options such as checking and savings accounts to auto loans and mortgage refinancing. With 130 dedicated employees, including our inspiring CEO Angela Hanson and Board President Rhonda Hollfelder, we strive to provide personalized service that makes a difference. While members can visit us at our Janesville location for all their banking needs, official correspondence should be sent to our mailing address at 5325 High Crossing Blvd, Madison, WI 53718-2301. If you have questions or need assistance, feel free to reach out at 800-362-3944. Join us today and discover how Heartland can help you achieve your financial goals! Visit our website at Heartland Credit Union for more information.

Branch History & Mission

Community Impact

Heartland is not just about numbers; it's about people. We actively engage in community outreach initiatives and partnerships aimed at making a positive impact. Our team works closely with local organizations to promote financial literacy and offer support where it's needed most. This dedication to service reflects our core values and reinforces our commitment to being more than just a credit union we are your neighbors. While members can visit us at our branch location on E Racine St, official correspondence should be sent to 5325 High Crossing Blvd, Madison, WI 53718-2301. Additionally, we are proud to offer convenient services including ATM availability for quick access to funds and online banking for managing accounts from anywhere.

Join Us Today

As we look toward the future, Heartland remains dedicated to innovation and improvement. We embrace digital advancements while ensuring compliance with ADA standards so everyone can enjoy seamless access to our services. Our friendly staff is here during lobby hours every Tuesday and Friday from 9:00 a.m. to 5:00 p.m., ready to assist you with all your banking needs. We invite you to become part of the Heartland family! Experience firsthand how we can help you achieve your financial dreams while contributing positively to the community we cherish. Reach out today at 800-362-3944 or visit us online at Heartland. Together, let's build a brighter financial future!

Our Journey

Over the decades, Heartland has evolved significantly. What started as a small credit union has blossomed into a vital financial institution in Janesville and beyond. With a commitment to enhancing the lives of our members and their families, we've consistently expanded our offerings. Whether it's personal banking services like checking and savings accounts or more complex products such as mortgage loans and business banking solutions, we strive to meet the diverse needs of our members. Our mission is simple yet profound: to empower our community through accessible financial services while fostering a spirit of cooperation and support. We understand that each member's journey is unique; that's why we tailor our services to help you achieve your goals whether it's buying a car, purchasing a home, or planning for retirement.

Branch Location & Accessibility

Accessibility Features

At Heartland, we prioritize making banking accessible for everyone. Our branch is equipped with ADA-compliant features to ensure all members can navigate comfortably. Parking is available nearby, making it easy for you to pop in without any hassle.

Call to Action

Ready to experience personalized banking? We invite you to visit Heartland today at our Janesville branch or give us a call for any inquiries. Let us help you achieve your financial dreams!

Operating Hours

We understand that convenience matters. That's why we're open on Tuesdays and Fridays from 9:00 a.m. to 5:00 p.m., allowing you to manage your finances during your busy week. If you need assistance outside these hours, feel free to reach out via phone at 800-362-3944.

Services Offered

We offer a range of financial services designed to meet your needs whether you're interested in checking and savings accounts, auto loans, or even mortgage refinancing. Our team is here to help guide you through the options available and ensure you find the right solutions for your financial goals.

Member Eligibility

At Heartland, we believe that becoming a member is like joining a close-knit community where everyone supports one another. If you're looking to join us, you'll be glad to know that membership is open to anyone who lives, works, or worships in the area. We also welcome family members of existing members. This means you can enjoy our range of services, from personal and auto loans to rewarding credit cards, all designed to help you achieve your financial goals. If you want more details about eligibility, check out our website at https://heartlandcu.org/ . Opening an account with Heartland is a breeze! Just visit us at 3400 E Racine St, Janesville, WI 53546, or give us a call at 800-362-3944 for assistance. We're here to help you every step of the way as you embark on this exciting journey with us!

Business Banking & Commercial Services

Financing Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $272 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $53,349,558, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make a Difference

Imagine running your business without worrying about payment processing. Our merchant services simplify transactions, allowing you to focus on what matters most your customers. From credit card processing to mobile payment solutions, we provide tools that help streamline your operations and enhance customer satisfaction. Visit us at 3400 E Racine St Janesville Wi 53546 in Janesville, WI to discover how our business banking and commercial services can empower your success. For more information, call us at (800) 362-3944 or explore our offerings online at Heartland.

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners, Heartland provides comprehensive business banking services, including merchant services and business loans designed to support your growth. We recognize how vital it is for businesses to have access to reliable funding and payment processing solutions.

Credit Options for Every Need

Life can bring unexpected expenses, which is where our personal loans and debt consolidation services come in handy. Whether it's a sudden repair or planning a big event, we have you covered. Plus, our credit cards come with rewards that allow you to earn points on everyday purchases making every dollar spent work harder for you.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your finances anytime, anywhere. With options for mobile payments and person-to-person transactions, handling your money has never been easier. Our ATM services ensure you can access cash when needed, giving you peace of mind during busy days.

Get Started Today!

We invite you to visit us at 3400 E Racine St Janesville Wi 53546 or give us a call at (800) 362-3944 to learn more about how our services can benefit you. At Heartland, we're not just here to provide banking services; we're here to support your financial journey every step of the way. Join our community today!

Personal Banking Solutions

Managing your money should be straightforward, which is why we offer various personal banking options. You can choose from our checking and savings accounts tailored to help you grow your savings and manage daily expenses efficiently. If you're considering buying a car or need financing for your vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. For larger purchases like a home, we offer mortgage loans and refinancing solutions that can ease the process of homeownership.

Digital & Online Banking

Convenient Online Banking

With 24/7 online banking, you can check your balances, pay bills, and transfer funds anytime, anywhere. Simply visit us at https://heartlandcu.org/ to get started. Our user-friendly platform makes it easy to navigate through your accounts, ensuring you can manage your money with just a few clicks.

E-Statements and Mobile Features

Say goodbye to paper clutter! We offer e-statements for easy access to your account statements right from your device. Plus, our mobile application lets you manage your finances on the go. You can easily download it and enjoy features like mobile payments, allowing you to make purchases quickly and securely from your phone.

Safe Transactions

Security is our top priority. While we don't currently use electronic signature authorization, our systems are designed with robust security measures to protect your information. You can also send money directly to friends or family with our person-to-person transfer feature making it simple to share expenses or gifts. In today's fast-paced world, having convenient access to your finances is essential. With Heartland, you can trust that you'll have everything you need for effective account management right at your fingertips. Join us in embracing the ease of digital banking today!

Financial Strength

Commitment to Service

Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 123 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

We currently serve 73,860 members who trust us with their finances. This growing member base is a testament to our dedication to providing exceptional service and support. 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 3400 E Racine St Janesville Wi 53546 or call (800) 362-3944 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $122,378,039 in share certificates and $74,763,182 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.

Reinvestment for Growth

With $43,596,843 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is substantial, with $3,593 in used auto loans and $451,407,778 in total loans and leases supporting members' financial goals across various sectors.

Solid Financial Health

With a net worth of $67,720,889, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,115 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

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry, with over $48,970,524 in used vehicle loans and $32,401,272 in new vehicle loans already helping members get on the road. We offer flexible terms and competitive rates that make financing easier for everyone.

Business Loans

For business owners, our outstanding commercial loans totaling $53,349,558 provide the capital needed to grow and expand your business. Whether you're looking to invest in new equipment or cover operational costs, we are here to support your entrepreneurial journey. Additionally, if you're considering refinancing any existing loans or exploring eligibility options for our products, our team is ready to assist you every step of the way. Our branch is conveniently located at 3400 E Racine St Janesville WI 53546, and we're available at 800-362-3944 during our lobby hours from 9:00 a.m. to 5:00 p.m. on Tuesdays and Fridays. For more information about how we can help you achieve your financial dreams through our loan offerings, visit us online at Heartland. Remember that performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Let Heartland be your partner in reaching your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options are tailored to fit your needs. We offer Junior Lien 1-4 Family Residential Properties loans totaling $36,769,966, making buying or refinancing straightforward and accessible.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also provide flexible terms on unsecured credit card loans, with a total of $8,605,732 in loans helping members manage their finances effectively. This option allows you to cover unexpected costs without the burden of collateral.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help you easily navigate the lending landscape and find offers that suit your needs. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. The information is based on the latest results, ensuring fair and transparent offers. This commitment to accuracy means that you are always presented with reliable options tailored to your financial situation. One key benefit of using LendMesh is its focus on verified data. All loan offers are sourced from legitimate financial institutions, which enhances transparency in the comparison process. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. Instead, the goal is to provide unbiased results that empower users to make informed decisions. With real-time rate comparisons, LendMesh keeps you updated on the latest loan rates from multiple institutions. This feature helps you stay informed about potential savings and makes it easier to choose a loan that fits your budget. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective LendMesh can be for those seeking better financing options. 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.

HEARTLAND CREDIT UNION - Janesville, WI