Heartland Credit Union Springfield IL | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Heartland, your trusted partner in financial wellness located at 2213 W White Oaks Dr, Springfield, IL 62704. Since our establishment in 1946, we have been dedicated to serving our community with integrity and commitment. With a growing membership of 33,515 individuals, we are proud to be a cornerstone of financial support for families and businesses alike. At Heartland, we understand that navigating financial decisions can be overwhelming. That's why we offer a wide range of services tailored to meet your unique needs from checking and savings accounts to auto loans, mortgage refinancing, and business banking solutions. With total assets amounting to an impressive $483,329,197 and total deposits reaching $77,036,998, you can trust that your money is in safe hands. Our leadership team is here to guide you every step of the way. Under the direction of our CEO, Tom Lex, and Board President, Jane Kiel, Heartland strives not just to meet but exceed your expectations. Our dedicated staff of 73 employees is always ready to assist you during our operating hours from Monday to Saturday. While members can visit us at our branch for personalized service, official correspondence should be sent to the same address: 2213 W White Oaks Dr, Springfield, IL 62704-6498. We invite you to explore all that Heartland has to offer. Visit our website at heartlandcu.org or call us at 217-726-8877 today! Join us in building a stronger financial future together.

Branch History & Mission

Heartland Credit Union, located at 2213 W White Oaks Dr in Springfield, IL, has a rich history that dates back to its founding in 1946. Since then, we have grown significantly and proudly serve over 33,500 members. Our commitment to providing exceptional financial services has allowed us to accumulate total assets of nearly $483 million. Over the years, Heartland has evolved from a small cooperative into a trusted financial institution dedicated to empowering our members and supporting our community. We understand that financial decisions can be overwhelming, which is why we strive to offer a range of services tailored to meet the unique needs of each individual. Our offerings include personal banking options like checking and savings accounts, auto loans, mortgage loans, and even business banking services. At Heartland, our mission is clear: we aim to improve the financial well-being of our members while fostering a sense of community. We believe in building lasting relationships based on trust and transparency. Our dedicated team works hard every day to ensure that our members have access to the resources they need for financial success. In addition to traditional banking services, we also embrace modern technology. Members can enjoy online and mobile banking options for added convenience. Whether you need to check your balance or transfer funds, we're here for you anytime and anywhere. While members can visit us at 2213 W White Oaks Dr for all their banking needs, official correspondence should be sent to our mailing address at 2213 W White Oaks Dr, Springfield, IL 62704-6498. We are open Monday through Saturday with lobby hours from 9 AM to 5 PM. Our commitment goes beyond just numbers; we actively participate in community outreach efforts aimed at making Springfield a better place for everyone. Through partnerships and local initiatives, we strive to give back and support those around us. If you're looking for a credit union that prioritizes your needs and values community involvement, look no further than Heartland Credit Union. Join us today and experience the difference! For more information or to get started with your membership journey, please call us at 217-726-8877 or visit our website at heartlandcu.org.

Branch Location & Accessibility

Comprehensive Services Available

At Heartland, we offer a wide range of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need cash? Our ATM is available for quick withdrawals and balance checks. Plus, our drive-thru service makes it easy to complete simple transactions without leaving your car. While members can visit us at 2213 W White Oaks Dr for all their banking needs, official correspondence should be sent to the same address as there's no difference between mailing and branch addresses.

Convenient Access and Nearby Landmarks

Our Springfield branch is situated close to various shops and restaurants, making it a breeze for you to stop by while running errands or enjoying a day out. Whether you're here for personal banking or need assistance with loans, our location is designed with your convenience in mind.

Operating Hours Tailored for You

We know your time is valuable. That's why we're open Monday through Saturday from 9:00 AM to 5:00 PM. Whether you're coming in for a quick deposit or seeking advice on a loan, our friendly staff is here to assist you during these hours.

Parking and Accessibility

At Heartland, we understand that ease of access is essential. That's why we offer ample parking right outside our branch. Our facility is fully compliant with ADA standards, ensuring that everyone can visit us comfortably. Ramps are available for those who may require them, allowing all members of the community to enjoy our services without hassle.

We’re Here For You!

Got questions? Feel free to call us at 217-726-8877! Our dedicated team at Heartland looks forward to welcoming you into our branch and helping you achieve your financial goals. Come see us soon!

Member Eligibility

At Heartland, we believe that becoming a member means joining a community where you can feel supported and valued. If you're looking to experience the many benefits of membership at our branch located at 2213 W White Oaks Dr, Springfield, IL 62704, you're in the right place! To be eligible, you typically need to live, work, worship, or attend school in Sangamon County or have a family member who is already a member. This makes it easy for you to connect with us and take advantage of our personalized services tailored just for you. Opening an account is a breeze and can be done online or by visiting us directly; we're here to guide you through every step of the process. If you have any questions about eligibility or how to become a member, feel free to reach out at 217-726-8877. We encourage you to check out more detailed information about our eligibility criteria here. Join us today and discover how Heartland can help you achieve your financial goals!

Business Banking & Commercial Services

Commercial 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. - 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 addition to loans, we offer merchant services designed to make transactions smooth and efficient. Imagine a local coffee shop that uses our payment processing solutions. With quick card transactions and easy cash management, they can focus on what they do best serving delicious coffee! Our services ensure that businesses like theirs can thrive without worrying about payment hassles. Visit us at 2213 W White Oaks Dr Springfield Il 62704 in Springfield, IL, or call us at (217) 726-8877 to learn more about how our business banking and commercial services can help you achieve your goals!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options are here to help. We understand that purchasing a vehicle is a big decision, and we offer competitive rates to make this process smoother. Picture driving away in your dream car without the financial stress our loans are designed with you in mind.

Business Banking Support

If you're a business owner, Heartland is here to support your growth with our business banking services. From merchant services that simplify transactions to business loans that help fund expansion, we understand the challenges of running a business and strive to provide solutions that work for you.

Convenient Digital Banking Features

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking platforms that allow you to manage your accounts anytime, anywhere. With features like ATM access for withdrawals and balance checks, plus person-to-person payment options, handling your finances has never been easier.

Credit Cards with Rewards

Who doesn't love rewards? Our credit cards come with fantastic perks that let you earn points for everyday purchases. These rewards can help you save money on future travel or shopping making every swipe count!

Drive-Thru & ATM Services

For those who prefer face-to-face interactions or need quick cash without leaving your car, our drive-thru banking offers basic services like deposits and withdrawals. Additionally, our ATMs are available for easy cash access whenever you need it. At Heartland, we are dedicated to ensuring all members feel valued and supported in their financial journeys. If you're ready to explore how these services can benefit you or if you have any questions, don't hesitate to give us a call at 217-726-8877 or visit us at our branch in Springfield! Your financial well-being is just a conversation away!

Home Financing Made Easy

For those considering home ownership or refinancing their existing mortgage, Heartland offers flexible mortgage loans tailored to fit various budgets. Our team can guide you through each step, making what could be a daunting task feel manageable. Plus, with our digital tools, tracking your mortgage application is just a click away.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking options are tailored for you. With us, managing your finances is straightforward. Imagine having an account that not only helps you save but also allows easy access through online and mobile banking. You can check your balance, transfer funds, and even pay bills right from your smartphone!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Whether it's for home repairs or consolidating debt, our personal loans provide quick access to funds when you need them most. Think of it as having a safety net that gives you peace of mind during uncertain times.

Digital & Online Banking

At Heartland, we understand that your time is valuable. That's why we offer a range of digital and online banking services designed to make managing your finances easier and more secure than ever before. With our user-friendly tools, you can access your accounts anytime, anywhere, ensuring you stay in control of your money. When you visit https://heartlandcu.org/, you'll find a wealth of features at your fingertips. Our 24/7 Online Banking Services allow you to check balances, pay bills, and transfer funds whenever it suits you. You can also take advantage of our E-Statements, which provide a convenient way to receive your account statements without the clutter of paper. For those on the go, our Mobile Application brings all these features right to your smartphone. Whether you're making a quick payment or checking your balance while out shopping, our app makes it easy. Plus, with Mobile Payments, you can complete transactions swiftly, adding another layer of convenience to your daily life. Need to send money to friends or family? Our Person-to-Person Transfers feature allows you to do just that with just a few taps on your phone. No more awkward cash exchanges; it's simple and secure! While we currently do not support Electronic Signature Authorization, we prioritize security across all our services. Rest assured that your information is protected as you manage your finances digitally. In today's fast-paced world, having access to reliable banking services is essential. At Heartland, we're committed to providing you with the tools you need for effective real-time account management. Join us online and experience the ease and security of banking at your convenience!

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. With our solid financial foundation, you can feel confident that your money is in safe hands. 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 across various sectors with $79,009 in used auto loans and a total of $345,504,362 in loans and leases. Our operational efficiency is reflected in our net income of $5,652,793, enabling 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 2213 W White Oaks Dr Springfield IL 62704 or call us at 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. Whether you're eyeing a brand-new model or a reliable used vehicle, we have financing options that work for you.

Conclusion

Our commitment at Heartland goes beyond just lending; it's about building relationships and supporting our community's financial health. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan products today and see how we can assist you on your financial journey! Visit us online at Heartland or call us directly at (217) 726-8877 for personalized assistance.

Credit Lines and Personal Loans

For those looking to manage everyday expenses or consolidate debt, our credit lines amounting to $22,474,502 provide flexible solutions tailored to your financial situation. We also have unsecured credit card loans available; while currently totaling $0, we're committed to finding the right options for our members in the future.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $14,688,209, designed to help you secure your dream home without unnecessary complications. If you're considering refinancing your current mortgage, our team is ready to discuss your eligibility options.

Loan Aggregator

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 ensures that all offers displayed are fair and transparent. LendMesh prioritizes accuracy by gathering information directly from reputable lenders, eliminating the guesswork involved in finding competitive rates.

Benefits of Using LendMesh

Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. This means you can trust that the options presented to you are credible and reliable. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. You won't find yourself swayed by advertisements; instead, you will see authentic comparisons that cater to your needs. Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. With LendMesh, you have access to current data that reflects the market's fluctuations, allowing for smarter financial choices. 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 real people benefit from using this tool to secure better financial outcomes. Ready to 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