Heartland Credit Union Springfield IL | Best Auto Loans & Business Banking

Introduction

Welcome to Heartland, your trusted partner in financial wellness, located at 610 E Saint Joseph St, Springfield, IL 62703. Established in 1946, we have proudly served our community for over 75 years, fostering a sense of belonging among our 33,515 members. With a commitment to providing personalized banking solutions, we have grown our total assets to an impressive $483,329,197. At Heartland, we believe that financial success is built on strong relationships. That's why our dedicated team of 73 employees, led by CEO Tom Lex and Board President Jane Kiel, is here to help you navigate your financial journey. Whether you're looking for checking and savings accounts, auto loans, or mortgage financing, we are ready to assist you every step of the way. Our members enjoy the peace of mind that comes from knowing their deposits amounting to $77,036,998 are safe and sound with us. We take pride in maintaining a net worth of $62,245,995, ensuring that we are not just a credit union but a pillar of financial strength within the Springfield community. While you can visit us at our branch for any inquiries or services from basic ATM access to more complex loan products please note that official correspondence should be directed to our mailing address: 610 E Saint Joseph St, Springfield, IL 62703-4714. We invite you to experience the Heartland difference today! Call us at 217-585-1629 or explore our website at heartlandcu.org for more information about how we can support your financial goals. Join us in building a brighter financial future together!

Branch History & Mission

Heartland has been a cornerstone of the Springfield community since it opened its doors in 1946. Located at 610 E Saint Joseph St, Springfield, IL 62703, this branch has grown alongside its members, evolving from a small credit union to a trusted financial partner for over 33,000 members. With total assets amounting to $483,329,197, Heartland exemplifies stability and commitment to the community. Our mission is simple yet profound: to provide our members with personalized financial services while fostering a spirit of community support. We believe that by empowering our members with the tools they need for financial success, we can create a stronger community together. Whether it's through checking and savings accounts, auto loans, mortgage refinancing, or business banking solutions, Heartland is dedicated to meeting the diverse needs of our members. Over the years, Heartland has not only expanded its services but also embraced technology to make banking easier and more accessible. Our online and mobile banking options ensure that members can manage their finances anytime and anywhere. Additionally, we prioritize accessibility with ADA compliance in all our facilities. While you can visit us at our main branch location for all your banking needs, official correspondence should be directed to our mailing address at 610 E Saint Joseph St, Springfield, IL 62703-4714. We're proud to offer convenient drive-thru services and ATM access for quick transactions. Heartland is more than just a financial institution; it's an integral part of the Springfield community. We actively participate in local outreach programs and partnerships that support education and economic development in the area. This deep-rooted connection drives us to continually improve and innovate for our members. As we look ahead to the future, we invite you to join us on this journey. Experience the benefits of being part of a credit union that truly cares about your financial well-being. Together, let's build a brighter future for everyone in Springfield! For more information or to become a member today, please call us at 217-585-1629 or visit our website at heartlandcu.org.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Situated near local favorites, our branch is close to several well-known spots that make it easy to pop in while running errands. With ample parking available, visiting us is a breeze. We are committed to accessibility for all members, featuring ADA-compliant entrances and ramps so everyone can enjoy our services comfortably.

Operating Hours and Services

At Heartland, we value your time. Our lobby hours run from 8:30 a.m. to 5:00 p.m., Monday through Friday, giving you plenty of opportunities to stop by after work or during your lunch break. If you're looking for quick transactions, our drive-thru service allows you to handle deposits and withdrawals without leaving your vehicle. For those on the go, we also provide ATM access for cash withdrawals and balance inquiries right outside the branch. Plus, with a variety of personal banking options like checking and savings accounts, auto loans, mortgage loans, and more you're sure to find exactly what you need. While members can visit us at 610 E Saint Joseph St, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to reach out! You can give us a call at 217-585-1629. We invite you to come visit Heartland today! Whether you're opening an account or simply want to explore our offerings, we're here to help make banking straightforward and enjoyable for you.

Member Eligibility

At Heartland, we believe in creating a welcoming community where everyone feels valued and supported. Becoming a member is easy and opens the door to a world of financial opportunities tailored just for you. If you're living or working in our community, you may be eligible to join us! We focus on serving individuals who meet specific criteria, ensuring that our members share common bonds that enrich our credit union experience. For detailed eligibility information, feel free to check out our resource at Heartland Eligibility. Joining Heartland means more than just opening an account; it's about being part of a cooperative that prioritizes your needs. With our range of services like personal banking, auto loans, and online banking you'll find everything you need under one roof. To start your journey with us, reach out at (217) 585-1629, and we'll guide you through the simple account opening process so you can enjoy all the benefits of membership. Welcome to Heartland, where your financial goals are our priority!

Business Banking & Commercial Services

Lending 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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, efficient payment processing is crucial. Our merchant services provide easy-to-use tools for accepting payments, whether in-store or online. This means you can focus on what matters most growing your business while we take care of the transactions. Visit us at 610 E Saint Joseph St, Springfield, IL 62703, or call us at 217-585-1629 to learn more about how Heartland can support your business banking needs!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans provide competitive rates and flexible terms to suit your budget. Whether it's a brand-new model or a reliable used vehicle, we've got financing options that make it easier than ever to hit the road without breaking the bank.

Business Banking

For our entrepreneurial members, Heartland offers robust business banking solutions that include merchant services and business loans. As a small business owner, having reliable financial support is crucial for success. Let us partner with you in achieving your business goals.

Convenient Access

With an ATM available at our branch and drive-thru service for quick deposits and withdrawals, accessing your funds has never been easier. Our basic ATM services allow for withdrawals and balance checks without stepping inside the branch. As technology continues to advance, we ensure that our members have access to modern banking conveniences. Our online and mobile banking features enable effortless management of accounts wherever life takes you whether it's paying bills or making transfers at any time. At Heartland, we're here not just as a financial institution but as partners in your financial journey. If you're ready to explore how we can help you achieve your financial dreams or if you have questions about any of our services, don't hesitate to reach out! Call us today at 217-585-1629 or visit us at heartlandcu.org. Your journey toward better financial health starts here!

Credit Cards with Rewards

Shopping should feel rewarding! With our credit cards, not only do you get the convenience of cashless transactions, but you also earn rewards for every dollar spent. Enjoy cashback or points redeemable for travel or merchandise as you use your card for everyday purchases.

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and at Heartland, we want to make that dream achievable. We offer mortgage loans with various options tailored for first-time buyers and those looking to refinance their existing loans. Picture yourself settling into your new home with a mortgage that fits comfortably within your monthly budget.

Personal Banking

We understand that managing your finances can sometimes be overwhelming. That's why our personal banking services are designed with you in mind. With checking and savings accounts, you can easily keep track of your funds while earning interest on your savings. Imagine having easy access to your money through our online and mobile banking platforms, allowing you to check balances, transfer funds, and even pay bills from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our personal loans can provide the financial relief you need during tough times. If you're juggling multiple debts, consider our debt consolidation options simplifying payments into one manageable loan can ease stress and help you regain control over your finances.

Digital & Online Banking

Key Features

Our mobile payments feature allows you to make purchases quickly and safely using your smartphone. No need to carry cash or cards just tap and go! Additionally, if you need to send money to friends or family, our person-to-person transfer service makes it simple and quick. While convenience is important, so is security. We ensure that all your transactions are protected with top-notch security measures. Although we do not currently offer electronic signature authorization, rest assured that your information is safe with us. In summary, whether you're at home or out running errands, Heartland provides accessible tools for real-time account management that fits seamlessly into your life. Experience the ease of digital banking with us today!

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 understand that in today's world, having a strong financial foundation is crucial for your peace of mind. 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 your financial goals with $79,009 in used auto loans and a total of $345,504,362 in loans and leases available for various needs. Our impressive net income of $5,652,793 reflects our operational efficiency. This 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 and committed team. Our net shares stand at $0, indicating that all funds are directed toward lending and investment opportunities for our members. Additionally, we proudly report 60,041 total share accounts, showcasing 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 610 E Saint Joseph St Springfield IL 62703 or call 217-585-1629 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 provide financing options for both new and used vehicles to ensure you find the right fit for your budget.

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we provide credit lines totaling $22,474,502 to help you manage unexpected expenses or consolidate debt effectively. Our unsecured credit card loans also support members in managing their finances; although currently our total for these stands at $0, we strive to offer flexible terms when available. For those interested in business growth opportunities, while we currently have no outstanding commercial loans available, our commitment to serving our community means we are always looking for ways to expand our offerings. If you're interested in any of these loan products or have questions about eligibility or refinancing options, please reach out to us at 217-585-1629. Our team is ready to help guide you through the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us at 610 E Saint Joseph St Springfield IL 62703 or check out our website at heartlandcu.org for more information on how we can assist you with your lending needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $14,688,209, make buying or refinancing simple. We offer competitive rates and terms that can fit various budgets. If you're considering refinancing your current mortgage, our team can assist you in exploring eligibility options tailored to your needs.

Loan Aggregator

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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 accuracy means that users receive fair and transparent offers that reflect current market conditions.

Heartland