Heartland Area Credit Union Omaha NE | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Heartland Area Federal Credit Union, your trusted financial partner located at 6111 N 72Nd St, Omaha, NE 68134. Since our establishment in 1954, we have been dedicated to serving our community with reliable banking solutions and personalized service. With a total membership of 2,218 and assets totaling an impressive $27,749,746, we pride ourselves on being a cornerstone of financial support for our members. At Heartland Area, we understand that every financial journey is unique. That's why we offer a wide range of services tailored to meet your needs, whether you're looking for checking and savings accounts, auto loans, or mortgage options. Our commitment to excellence is evident through our total deposits of $1,190,183 and a robust net worth of $5,408,860. Under the leadership of CEO Cathy Banks and Board President Linda Bohac, our dedicated team of 8 employees is here to ensure you receive the best possible experience. We maintain a welcoming environment where you can feel secure in your financial decisions. While members can visit us at 6111 N 72nd St, official correspondence should be sent to the same address. For any inquiries or assistance, don't hesitate to reach out at 402-571-8444 or visit our website at heartlandfcu.org. Join us today and discover how Heartland Area Federal Credit Union can help you achieve your financial goals!

Branch History & Mission

Heartland Area Federal Credit Union has a rich legacy that began in 1954, right here in Omaha, Nebraska. Over the years, we have grown from humble beginnings to become a trusted financial partner for over 2,200 members. Our journey is one of commitment, community, and service, and it reflects our dedication to helping individuals and families achieve their financial goals. Located at 6111 N 72nd St in Omaha, we are proud to serve our local community. Our branch is easily accessible and is situated near key landmarks, making it convenient for members to visit us. While members can reach out to us at this address for all their banking needs, official correspondence should be sent to our mailing address: 6111 N 72nd St, Omaha, NE 68134-2103. At Heartland Area Federal Credit Union, our mission is clear: to provide exceptional financial services while supporting the community we serve. We strive to empower our members through personal banking options like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking services. With total assets exceeding $27 million, we are equipped to meet the diverse needs of our membership. Our operating hours reflect our commitment to convenience; we are open Monday through Friday from 8:00 AM to 5:30 PM. Although we do not offer ATM services at this location, our drive-thru banking ensures that members can complete their transactions quickly and efficiently. We also prioritize accessibility for all members by adhering to ADA compliance standards. Community involvement is a cornerstone of our values at Heartland Area. We work closely with local organizations and participate in various outreach programs aimed at enhancing the lives of those around us. By fostering partnerships within Omaha and beyond, we aim to create a positive impact that extends beyond traditional banking. As technology advances, so do we. Heartland Area offers online and mobile banking services that allow members to manage their finances with ease. From mobile payments to e-statements, we are committed to providing tools that make banking simpler and more efficient. We invite you to join us on this journey towards financial well-being. Experience the benefits of being part of a credit union that prioritizes its members' needs while actively contributing to the community's growth. Together, let's build a brighter financial future! For more information about membership or services offered at Heartland Area Federal Credit Union, please visit us online or call us at 402-571-8444.

Branch Location & Accessibility

Convenient Access and Parking

At Heartland Area, we understand how important it is for our members to have easy access to their banking needs. Our branch features ample parking so you can park right outside without any hassle. Plus, we are committed to being accessible for everyone, with ADA-compliant facilities that include ramps and designated parking spots.

Drive-Thru Service for Your Convenience

For those on the go, take advantage of our drive-thru service! This convenient option allows you to handle deposits, withdrawals, and simple transactions without leaving your car. Unfortunately, we do not offer ATM services at this location; however, our drive-thru is designed to meet most of your immediate banking needs efficiently.

Friendly Banking Hours

We invite you to visit us during our lobby hours from Monday through Friday, 8:00 am to 5:30 pm. Whether you need assistance with personal banking services like checking and savings accounts, auto loans, or mortgage refinancing, our dedicated team is here to help.

Get in Touch

If you have any questions or need assistance before your visit, feel free to give us a call at 402-571-8444. While members can visit us at 6111 N 72Nd St for all their banking needs, official correspondence should be sent to the same address as well. We look forward to welcoming you to Heartland Area and helping you achieve your financial goals!

Member Eligibility

At Heartland Area, we believe that everyone deserves a place to grow their financial future, and becoming a member is your first step into our welcoming community. If you live, work, or attend school in the Omaha area, you're likely eligible to join us! We pride ourselves on being inclusive and supportive, making it easy for you to access a range of benefits designed with your needs in mind. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or even mortgage services, we've got you covered. Joining is simple just visit our website for detailed eligibility criteria at https://heartlandfcu.org/membership/. You can also start the process of opening an account by checking out this link. If you have any questions or need assistance along the way, feel free to reach out to us at 402-571-8444. We're here to help you every step of the way as you take this exciting leap towards membership at Heartland Area!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

In today's fast-paced world, having efficient payment solutions is crucial for success. Our merchant services simplify transactions, allowing you to focus on what matters most running your business. Imagine seamlessly processing payments from customers without the hassle of complicated systems. With us, you can manage sales efficiently and enhance customer satisfaction. Visit us at 6111 N 72Nd St, Omaha, NE 68134, or give us a call at 402-571-8444 to learn how Heartland Area can empower your business!

Tailored Loan Options

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.

Comprehensive List Of Services

Accessible Services

We also provide essential ATM and cash withdrawal services alongside basic drive-thru banking for deposits and simple transactions. If you're pressed for time or simply prefer face-to-face interactions, our drive-thru service is here to accommodate your needs without hassle. At Heartland Area, located conveniently at 6111 N 72Nd St Omaha Ne 68134 in Omaha, NE, we aim to deliver personalized service with every interaction. For more information about any of these services or to get started today, give us a call at (402) 571-8444. Let us partner with you on your financial journey!

Business Banking Support

For entrepreneurs and small business owners, our business banking services, including merchant services and business loans, are designed to help grow your business efficiently. From setting up an account to obtaining funding for expansion, we're committed to supporting local businesses in achieving their dreams.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that let you manage your accounts from anywhere at any time. Whether you're paying bills on the go or transferring funds between accounts, our digital tools make banking easier than ever.

Home Loans Made Easy

Thinking about buying a home? Our mortgage loans and refinancing services can guide you through every step of the process. We know how daunting home buying can be, but with our friendly team by your side, you'll have all the support needed to secure the best mortgage option available.

Personal Banking Solutions

Starting with our personal banking options, we offer various checking and savings accounts tailored to fit your lifestyle. Imagine having a checking account that not only keeps your money safe but also earns you interest. Our savings accounts are perfect for building up your emergency fund or saving for that special trip you've been dreaming about.

Personal Loans & Credit Cards

Need some extra cash? Our personal loans and debt consolidation options can assist in managing your finances effectively. Whether it's unexpected expenses or consolidating debt into one manageable payment, we've got you covered. Plus, our credit cards with rewards allow you to earn benefits while making everyday purchases think of it as getting something back just for using your card!

Vehicle Financing

If you're in the market for a new car or just need financing for a reliable vehicle, our auto loans and vehicle financing options can help you hit the road in no time. With competitive rates and flexible terms, getting behind the wheel has never been easier. Picture yourself driving off in your dream car without the stress of complicated financing.

Digital & Online Banking

Convenient Online Banking Services

With our robust online banking services, accessible through https://heartlandfcu.org/, you can check your account balances, pay bills, and transfer funds with just a few clicks. We offer 24/7 online banking so you can access your accounts whenever it suits you best. Plus, for those who prefer paperless options, e-statements are available to keep your financial records organized and easy to manage.

Mobile Banking at Your Fingertips

For added flexibility, download our mobile application. It allows you to carry your bank in your pocket! You can easily make mobile payments and send money quickly without hassle. While person-to-person transfers aren't available right now, our other features ensure you have what you need for everyday transactions.

Security You Can Trust

Your security is our top priority. We employ advanced technologies to protect your personal information and ensure that your online banking experience is safe. Although we do not currently offer electronic signature authorization, rest assured that every step has been taken to keep your data secure as you navigate through our services. Whether you're managing bills or making purchases with mobile payments, Heartland Area provides an accessible and user-friendly experience tailored just for you. Join us today and take advantage of all the conveniences that modern banking offers!

Financial Strength

Dedicated Team

We also take pride in having 8 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. This dedication means that whenever you visit or call us at (402) 571-8444, you'll find friendly faces eager to assist you.

Growing Membership Base

Total Share and Deposit Accounts: 3,879, showing a strong and 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 Area is your trusted partner. Visit us at 6111 N 72Nd St Omaha Ne 68134 or call (402) 571-8444 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.

Member-Focused Savings

Members' savings are secured through $1,106,786 in share certificates, 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.

Operational Efficiency

Our net income of -$265,835 reflects the challenges we've faced but also highlights our commitment to maintaining quality services for our members while navigating these hurdles. We strive to turn this around by focusing on improving operational efficiency so that we can continue offering competitive loan rates and solid financial products.

Reinvestment for Your Benefit

With $5,674,695 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to growth helps us enhance your banking experience every day.

Solid Financial Health

With a net worth of $5,408,860, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 19.49% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Lending Capacity

We support our members' financial goals with $10,930,192 in total loans and leases. Our lending capacity is further strengthened by the 234 used auto loans currently offered. Whether you're looking to buy a car or finance another significant purchase, we're here to help.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $3,000,600 in used vehicle loans and $1,641,739 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we've got options tailored just for you.

Credit Lines

If you need more flexibility in managing your cash flow, consider our credit lines totaling $2,550,000. This option gives you access to funds when you need them most while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $647,219, make buying or refinancing simple. We aim to make the process as straightforward as possible so you can focus on what really matters: making your house a home.

Refinancing Options

If you're looking to lower your monthly payments or take advantage of better rates on existing loans, we also provide refinancing options. This can be an excellent way to save money over time and adjust your financial commitments according to your current situation. For more information on eligibility and how to apply for any of these products, don't hesitate to contact us at (402) 571-8444 or visit our branch located at 6111 N 72Nd St Omaha Ne 68134. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you navigate through your financial journey with confidence!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $574,191 in loans helping members manage their finances effectively. These cards are designed for everyday purchases and emergencies alike, providing you with peace of mind.

Loan Aggregator

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Heartland Area