Heartland Credit Union Springfield IL | Best Auto Loans & Checking

Introduction

Welcome to Heartland, your trusted financial partner located at 2712 E Sangamon Ave, Springfield, IL 62702. Since our establishment in 1946, we have proudly served our community with a commitment to member-focused banking solutions. With a total membership of over 33,500 individuals, we strive to provide the highest level of service and support. At Heartland, we understand that every member has unique financial needs. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. Our total assets exceed $483 million, demonstrating our stability and ability to help you achieve your financial goals. We also take pride in our strong community ties. Our CEO, Tom Lex, and Board President, Jane Kiel, lead a dedicated team of 73 employees who are always ready to assist you. Whether you're looking for assistance with your finances or simply want to discuss your options, we're here for you. If you need to reach us, feel free to call us at (217) 726-8877 or visit our website at heartlandcu.org for more information. We invite you to explore how Heartland can help you thrive financially. Your journey towards better banking starts here!

Branch History & Mission

Our Evolution

From humble beginnings, Heartland has consistently evolved to meet the needs of our members. As we opened our doors back in 1946, our primary mission was simple: to provide accessible financial services that empower individuals and families. Over the decades, we've expanded our offerings to include personal banking solutions like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Today, we also embrace modern conveniences such as online and mobile banking to ensure that our members can manage their finances anytime, anywhere. Our branch is not just about banking; it's about building relationships. We believe in supporting our local community through various outreach programs and partnerships that uplift those around us. Whether it's sponsoring local events or collaborating with schools and nonprofits, Heartland is dedicated to making a positive impact in Springfield.

Our Mission Statement

At the core of Heartland's mission is a commitment to enhance the financial well-being of our members while nurturing community growth. We strive to provide exceptional customer service through personalized support and transparent practices. Our team is always ready to assist you with your financial journey whether you're looking for advice on your first home loan or seeking guidance on managing your savings. While you can visit us at our Springfield branch for all your banking needs during our operating hours from 8:30 AM to 5:00 PM on weekdays, official correspondence should be sent to the same address: 2712 E Sangamon Ave, Springfield, IL 62702. We also offer convenient services like ATM access and drive-thru banking for quick transactions. Heartland is more than just a credit union; it's a community partner focused on creating opportunities for every member we serve. Join us today and experience firsthand how we can help you achieve your financial goals while being part of something bigger your local community. For more information about our services or to become a member, feel free to call us at (217) 726-8877 or visit us online at Heartland Credit Union.

Branch Location & Accessibility

Drive-Thru Service

For those who are on the move, we offer drive-thru banking services. This allows you to conduct simple transactions like deposits and withdrawals without leaving your vehicle perfect for busy days or when you're short on time.

Easy Access and Parking

At Heartland, we prioritize convenience. Our location offers ample parking, so you can quickly find a spot without any hassle. We also ensure that our facilities are ADA compliant, featuring ramps and accessible entrances for those who need them.

Operating Hours That Work for You

Our lobby hours are designed with your busy schedule in mind. We're open Monday through Friday from 8:30 AM to 5:00 PM, ready to assist you with everything from personal banking to auto loans. If you prefer the convenience of banking on the go, don't forget about our ATM services available right here at the branch!

Reach Out Anytime

If you have questions or need assistance, feel free to give us a call at 217-726-8877. While our branch address is perfect for in-person visits, please note that any official correspondence should be sent to the same address: 2712 E Sangamon Ave, Springfield, IL 62702. We invite you to stop by Heartland today and experience a welcoming atmosphere where your financial well-being is our top priority!

Member Eligibility

Joining the Heartland community means becoming part of a welcoming family that truly cares about its members. To become a member at Heartland, you'll want to check if you meet our eligibility criteria. Generally, membership is open to anyone who lives or works in Sangamon County, as well as their family members. This inclusive approach ensures that everyone can enjoy the benefits of being a part of our credit union. Plus, when you join Heartland, you're not just opening an account; you're gaining access to a range of personalized financial services tailored to help you thrive. Getting started is simple! You can find more detailed information about eligibility on our website at . If you're ready to take the next step and open your account, we're here to help! Just give us a call at (217) 726-8877, and we'll guide you through the easy process. We're located at 2712 E Sangamon Ave Springfield Il 62702, so feel free to stop by any time during our hours. We can't wait to welcome you into the Heartland family!

Business Banking & Commercial Services

Commercial Loans for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans funded, our aim is to provide flexible financing solutions when the opportunity arises. Our focus is on ensuring that local businesses have access to the resources they need to expand and innovate.

Merchant Services Made Easy

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine running your operations smoothly while providing customers with convenient payment options. Our merchant services empower you to accept payments quickly and securely, whether in-store or online, helping enhance customer satisfaction and boost sales. Located at 2712 E Sangamon Ave, Springfield, IL 62702, we're here to partner with you on your journey toward success. For more information about our business banking offerings, feel free to call us at 217-726-8877. Let's work together to take your business to new heights!

Comprehensive List Of Services

ATM Access and Drive-Thru Services

Need cash quickly? Our locations provide ATM & Cash Withdrawal Services along with a Basic Drive-Thru Banking option for quick deposits and withdrawals without leaving your vehicle. We invite you to experience all that Heartland has to offer. If you have any questions or need assistance with opening an account or applying for a loan, don't hesitate to reach out! Call us at (217) 726-8877, visit us at our branch location, or check out our website at North for more information. Your financial future starts here!

Business Solutions

For local entrepreneurs and business owners, we provide tailored solutions through our Business Banking services, including merchant services and business loans. We're committed to helping your business thrive by offering the financial tools necessary for growth.

Credit Cards

Our Credit Cards with Rewards allow you to earn points on everyday purchases. This means that every dollar spent could bring you closer to exciting rewards perfect for those who love to travel or enjoy special perks.

Debt Management

Life can throw unexpected expenses your way, which is where our Personal Loans & Debt Consolidation services come into play. We offer flexible options that can help simplify your finances and reduce monthly payments, allowing you to focus on what truly matters.

Digital Convenience

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking features that let you manage your accounts from anywhere at any time. With easy access to your account details, bill pay options, and mobile payments available, staying on top of your finances has never been easier.

Home Loans

For those looking to purchase their first home or refinance an existing mortgage, our Mortgage Loans & Refinancing options make the process straightforward and accessible. Our experienced loan officers will guide you through each step, ensuring you find the right solution for your needs.

Personal Banking

We understand that managing finances can sometimes be overwhelming. That's why we offer Personal Banking services including checking and savings accounts that help you keep your money secure while also earning interest. If you're dreaming of a new car or need reliable transportation, our Auto Loans & Vehicle Financing options are designed to get you behind the wheel quickly and affordably.

Digital & Online Banking

Easy Access Anytime, Anywhere

With our 24/7 online banking services available at https://heartlandcu.org/, you can check your account balances, transfer funds, and pay bills anytime you need to. Our user-friendly interface ensures that you can navigate through your accounts with ease. You'll never have to wait in line again!

Secure and Simple Transactions

Security is a top priority at Heartland. While we do not currently offer electronic signature authorization, rest assured that all transactions made through our online services are protected with advanced security measures. You can feel confident knowing that your personal information is safe while managing your accounts. In summary, whether you're using our mobile app or accessing our services through the web, Heartland provides an accessible and secure banking experience tailored just for you. Embrace the ease of digital banking today!

Stay Connected on Your Mobile Device

Our mobile application provides an even more convenient way to manage your money right from your phone. With features like mobile payments and person-to-person transfers, sending money to friends or family is as simple as a few taps on your screen. Plus, if you prefer going paperless, you can opt for e-statements and enjoy secure access to your financial documents without the clutter.

Financial Strength

At Heartland, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to showcase our solid financial foundation, ensuring you can trust us with your banking needs. With a net worth of $62,245,995, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1287 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $90,659,987 in share certificates and $110,869,978 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. With $56,321,404 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 with $79,009 in used auto loans and a total of $345,504,362 in loans and leases across various sectors. Our operational efficiency is reflected in our impressive net income of $5,652,793, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 69 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at an impressive 60,041, 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 is your trusted partner. Visit us at 2712 E Sangamon Ave Springfield IL 62702 or call 217-726-8877 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. With over $190,955,772 in used vehicle loans and $121,241,843 in new vehicle loans already helping members get on the road, we're here to support your journey. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team is ready to assist you every step of the way.

Conclusion

At Heartland Credit Union, our goal is to empower you with financial solutions tailored just for you. For more details about our loan products or if you're curious about eligibility and refinancing options, feel free to visit us or contact us directly at 217-726-8877. Your financial future starts here! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $14,688,209, ensuring that your path to owning a home is as smooth as possible. If you're looking to refinance your current mortgage, we have options available that might suit your needs.

Personal and Credit Line Loans

In addition to our auto and mortgage loans, we also offer credit lines with a total of $22,474,502 available. This flexibility allows you to manage unexpected expenses or finance larger purchases with ease. We also provide unsecured credit card loans; however, currently we have not issued any such loans. When available, these cards are designed with convenient features that help members manage their finances effectively.

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!" This type of feedback highlights the effectiveness and reliability of using LendMesh as a loan comparison tool. 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.

Ensuring Accurate 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 adherence to strict regulatory guidelines ensures that users receive fair and transparent offers. Every comparison reflects current market conditions, allowing users to trust the information they see.

Heartland