Heartland Credit Union Madison WI | Low Mortgage Rates & Top Checking

Introduction

Welcome to Heartland, your trusted community credit union located at 944 Williamson St, Madison, WI 53703. Established in 1936, we have proudly served over 34,210 members and built a strong foundation rooted in trust and reliability. With total assets amounting to an impressive $606,940,994, our commitment to supporting our members' financial journeys is unwavering. At Heartland, we understand the importance of personalized service and community involvement. Our dedicated team of 130 employees, led by CEO Angela Hanson and Board President Rhonda Hollfelder, is here to help you navigate your financial needs from checking accounts to auto loans and mortgages. We currently manage $19,067,005 in total deposits and maintain a solid net worth of $67,720,889, ensuring that your funds are secure with us. While you can visit us at our branch for face-to-face assistance, please remember that official correspondence should be sent to the same address. We invite you to explore our range of services including online banking and mobile payments, designed to make your banking experience seamless. If you're ready to take the next step in managing your finances or if you have any questions, don't hesitate to reach out. Call us at 800-362-3944 or visit our website at Heartland Credit Union for more information. Let's work together towards achieving your financial goals!

Branch History & Mission

Join Us Today

We invite you to experience the Heartland difference firsthand. With convenient operating hours from Monday to Friday between 9:00 AM and 5:00 PM (Drive-Thru services available until noon on Saturdays), there's always an opportunity to connect with us. Plus, our ATM availability ensures you can access your funds anytime. Join us today and become part of a credit union that values community spirit as much as it does individual success. Together, let's build a brighter financial future! For any inquiries or assistance, feel free to call us at 800-362-3944 or visit our website at Heartland.

Our Journey

Since opening our doors in 1936, Heartland has grown tremendously. What started as a small credit union has blossomed into a thriving institution with over 34,210 members and total assets exceeding $606 million. This growth reflects our commitment to providing exceptional financial services tailored to the needs of our community. Our history is marked by key milestones that demonstrate our resilience and adaptability. Over the years, we have embraced technological advancements while staying true to our mission of serving our members with care and dedication. From introducing online banking and mobile payments to ensuring ADA compliance in our facilities, we aim to make banking accessible and convenient for everyone.

Our Mission

At Heartland, our mission is straightforward: we are here to provide reliable financial services while supporting the communities we serve. We believe that strong communities are built on financial wellness and cooperation. That's why we offer a range of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking services. Moreover, we actively engage in community outreach initiatives designed to uplift those around us. Whether through partnerships with local organizations or hosting financial literacy workshops, we strive to make a positive impact beyond just banking. While members can visit us at 944 Williamson St for all their banking needs, official correspondence should be sent to the same address for convenience.

Branch Location & Accessibility

Accessibility Features

At Heartland, we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and designated parking spots close to the entrance, ensuring everyone can easily access our services. Whether you're here for personal banking needs or looking to discuss loan options, we've designed our space with your comfort in mind.

Connect With Us

While members can visit us at 944 Williamson St for all their banking needs, any official correspondence should be sent to the same address as well. If you have questions or need assistance, don't hesitate to give us a call at 800-362-3944. We invite you to stop by Heartland today! Experience personalized service from our dedicated team who are here to help you navigate your financial journey with ease. We look forward to welcoming you!

Operating Hours and Services

We're open Monday through Friday from 9:00 a.m. to 5:00 p.m., giving you plenty of time to come by and take care of your banking needs. On Saturdays, our drive-thru is available from 9:00 a.m. until noon for those quick transactions. With both lobby access and drive-thru service, you can choose how you want to bank with us. Heartland offers a variety of services tailored to meet your financial goals whether it's opening a checking account, applying for an auto loan, or accessing online banking features. We also have an ATM on-site for convenient cash withdrawals and balance checks.

Member Eligibility

At Heartland, we believe in creating a welcoming community where everyone can thrive. Becoming a member is easy and open to those who live, work, or worship in our area. If you're looking for personalized financial services and a supportive environment, you'll find it here with us at Heartland. Our members enjoy a variety of benefits, including competitive loan rates, convenient banking options, and access to exclusive offers tailored just for you. To learn more about the specific eligibility requirements and how you can join our family, please visit this link. If you're ready to start your journey with us or have any questions, feel free to give us a call at (800) 362-3944. We can't wait to welcome you to our branch located at 944 Williamson St Madison Wi 53703!

Business Banking & Commercial Services

At Heartland, we understand that every business has its own unique needs and challenges. Whether you're just starting out or looking to expand, having the right financial partner can make all the difference. 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. Imagine having the capital you need to purchase new equipment or hire additional staff. Our member businesses have leveraged these funds to take their operations to the next level. Additionally, our merchant services are designed with your convenience in mind. From payment processing solutions that help you serve customers more efficiently to tools that manage transactions seamlessly, we equip you with the resources necessary for smooth daily operations. Visit us at 944 Williamson St Madison Wi 53703 in Madison, WI or call us at (800) 362-3944 to discover how we can help your business thrive today!

Comprehensive List Of Services

ATM Services

Need cash quickly? Our ATM services allow for hassle-free withdrawals and balance checks whenever you need them. Plus, with our drive-thru banking, basic transactions like deposits and withdrawals are quick and easy. At Heartland, we strive to make banking as convenient as possible for all our members. If you're interested in learning more about how we can assist with your financial needs, don't hesitate to reach out! Call us at (800) 362-3944 or visit us today at 944 Williamson St Madison Wi 53703. Your financial success is just around the corner!

Business Banking

For those who run their own businesses, our business banking services include merchant services and business loans tailored specifically for entrepreneurs. Whether you need funding to expand or tools to manage transactions efficiently, we've got you covered.

Credit Cards and Rewards

We understand how important it is to make your spending work for you. That's why we offer credit cards with rewards, allowing you to earn points on everyday purchases that can be redeemed for exciting benefits.

Digital Banking Features

In today's fast-paced world, convenience is key. Our robust online and mobile banking platforms ensure that managing your finances is just a click or tap away. You can check balances, transfer funds, pay bills, and even send money through our person-to-person service all from the comfort of your home or on the go.

Personal Banking

Starting with personal banking, we offer checking and savings accounts that help you save while enjoying easy access to your money. Imagine having a place where you can safely store your funds and earn interest at the same time! Our auto loans and vehicle financing make it simple for you to drive off in the car of your dreams without breaking the bank. When it comes to buying a home, our mortgage loans and refinancing options are here to guide you every step of the way. With competitive rates and personalized service, purchasing a home becomes much more manageable. If you're facing debt challenges, consider our personal loans and debt consolidation services that can help you get back on track.

Digital & Online Banking

Key Features of Our Online Banking

With our online banking services available at https://heartlandcu.org/ , you can access your accounts 24/7. This means you can check balances, view transaction history, and transfer funds whenever it suits you. No more waiting in line or rushing to the bank before it closes! We also provide the convenience of e-statements. You can say goodbye to paper clutter and easily access your statements online. Plus, with our mobile application, banking is literally at your fingertips. Download our app and enjoy features like mobile payments, which allow you to make purchases quickly and securely using just your phone.

Manage Money Effortlessly

Need to send money to a friend? Our person-to-person transfer feature makes it simple! Just a few taps on your phone, and you're done. You can also stay on top of your finances by managing all transactions in real-time, allowing for better budgeting and planning. At Heartland, we aim to provide accessible banking solutions that meet your needs. Discover how our digital and online banking services can simplify your financial life today!

Security You Can Trust

We prioritize your security. While we do not offer electronic signature authorization at this time, rest assured that all transactions made through our platform are protected with advanced security measures. Your personal information remains safe as you enjoy the ease of online banking.

Financial Strength

Growing Member Base

With 73,860 total share accounts, we showcase a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $3,343,326. 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 944 Williamson St Madison Wi 53703 or call (800) 362-3944 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 $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 123 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

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 capacity to lend is backed by $3,593 in used auto loans and a total of $451,407,778 in loans and leases, supporting your financial goals across various sectors.

Secure Savings Options

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.

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

Additional Financing Options

For those looking for further assistance in managing business expenses or personal financial needs, our outstanding commercial loans total $53,349,558, providing the capital needed for growth and expansion. Plus, if you're considering refinancing existing debts or exploring eligibility options for any of our loan products, our team is ready to help you navigate those choices. 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, we are committed to making your borrowing experience straightforward and beneficial. Contact us today to explore how our loan offerings can support your financial journey!

Auto Loans

Looking to buy a new car? Our auto loans offer 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. Whether you're interested in financing a brand-new model or a reliable used car, we are here to assist you through every step of the process.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $36,769,966, making buying or refinancing simple. We offer various mortgage products designed to accommodate different budgets and lifestyles.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $8,605,732 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can help you make the most out of your purchases.

Loan Aggregator

Ensuring 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 guarantees that users receive fair and transparent offers, eliminating confusion and uncertainty. LendMesh prides itself on several key benefits: - 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 quickly. 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 kind of feedback highlights the reliability and effectiveness of the tool in helping borrowers save money. Take control of your borrowing 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