Heartland Credit Union Hays KS | Low Mortgage Rates & Auto Loans

Introduction

At Heartland Credit Union, we believe in building strong relationships with our members and the community. Located at 2825 Plaza Ave, Hays, KS 67601, our branch has been serving the financial needs of the Hays area since 1948. With over 40,000 members and total assets of $647,519,323, we take pride in offering personalized banking solutions that help you achieve your financial goals. Whether you're looking for a new auto loan or need assistance with personal banking services, our dedicated team is here to support you. Under the leadership of our CEO, Dan Springer, and Board President, Rex Christner, we have cultivated a friendly environment where your financial well-being comes first. Our staff of 145 employees works tirelessly to ensure you receive top-notch service tailored to your unique needs. While members can visit us at our branch location, official correspondence should be sent to 2825 Plaza Ave, Hays, KS 67601. We offer a range of services including checking and savings accounts, mortgage loans, and business banking options. With total deposits reaching $36,762,690 and a net worth of $55,795,373, you can trust that your finances are in safe hands. At Heartland Credit Union, we are more than just a bank; we are part of the community. We invite you to reach out to us at (620) 669-0177 or explore our website at hcu.coop for more information about how we can assist you today!

Branch History & Mission

At Heartland, we are proud of our rich legacy that began in 1948 when we first opened our doors in Hays, Kansas. Over the years, we have grown alongside our community, currently serving over 40,000 members and managing assets totaling more than $647 million. Our commitment to providing exceptional financial services has made us a trusted partner for individuals and families throughout Ellis County. Located at 2825 Plaza Ave, Hays, KS 67601, our branch is not just a place for transactions; it's a hub for community support and development. We understand that banking goes beyond numbers it's about building relationships and empowering people. Our mission is to provide accessible financial solutions while actively contributing to the well-being of our community. As a member-focused credit union, we offer a range of services including personal banking, auto loans, mortgages, business loans, and online banking options. We ensure our members have easy access to their funds with convenient features like an ATM on-site and drive-thru banking services available during our operating hours: Monday through Friday from 7:30 AM to 5:30 PM for the drive-thru and from 9:00 AM to 4:00 PM for lobby services. At Heartland, we believe in fostering a culture of support and engagement. This includes partnerships with local organizations and initiatives aimed at uplifting our community. We strive to be ADA compliant and embrace digital advancements that enhance your banking experience while maintaining a personal touch. If you need to reach us for any official correspondence, please note that while members can visit us at 2825 Plaza Ave, official mail should be sent to the same address. For inquiries or assistance, feel free to contact us at 620-669-0177. We invite you to join Heartland Credit Union and experience firsthand the dedication we have towards serving our members. With your support, we can continue making a positive impact in Hays and beyond! Visit us today or explore more about our offerings at hcu.coop.

Branch Location & Accessibility

Accessibility Features

At Heartland, we prioritize your convenience. Our branch offers ample parking and features compliant with ADA standards, ensuring that everyone can access our services with ease. If you're on the go, take advantage of our drive-thru banking services available during extended hours from 7:30 AM to 5:30 PM on weekdays. This allows you to conduct simple transactions without leaving your vehicle.

Operating Hours

We understand that life can get busy! That's why our lobby hours are designed to fit your schedule open Monday through Friday from 9:00 AM to 4:00 PM. You can count on us during these hours for personalized service.

Services Offered

Heartland provides a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. Additionally, our ATM is available for cash withdrawals and balance checks whenever you need it. We invite you to experience our friendly service firsthand! Feel free to call us at 620-669-0177 or drop by during business hours. We look forward to serving you at Heartland!

Member Eligibility

Becoming a member of Heartland means joining a friendly community that prioritizes your financial well-being. To be eligible, you simply need to live, work, or worship in our local area, or be related to an existing member. It's that easy! At Heartland, located at 2825 Plaza Ave Hays Ks 67601, we offer a variety of services designed to help you achieve your financial goals whether it's saving for a dream vacation, buying a new car, or planning for retirement. For more details on eligibility criteria and to ensure you're meeting the requirements, please visit our website at https://consumer.hcu.coop. When you're ready to open an account, the process is straightforward and welcoming. You can easily get started by visiting us online at http://www.hcu.coop/loan-apps, or feel free to give us a call at (620) 669-0177 if you have any questions. We can't wait to welcome you into the Heartland family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer comprehensive merchant services that can streamline your payment processes. Imagine running your business smoothly with the ability to accept payments anytime, anywhere. Our solutions are crafted to help you save time and enhance customer satisfaction, allowing you to focus on what matters most growing your business. Visit us at 2825 Plaza Ave, Hays, KS 67601, or call us at 620-669-0177 to learn more about how Heartland can empower your business today!

Tailored Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $921 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $73,160,026, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options make it easier than ever to get behind the wheel of your dream vehicle. With competitive rates and flexible terms, Heartland ensures that financing your new ride is stress-free.

Business Banking Solutions

For our local entrepreneurs, Heartland offers comprehensive business banking solutions, including merchant services and business loans. We believe in empowering businesses within our community, providing the tools necessary for growth and success.

Contact Us Today!

Whether you're exploring personal finance options or looking for support with your business needs, Heartland is here for you. Visit us at our branch in Hays or give us a call at 620-669-0177. Let us help you navigate your financial journey with confidence! For more information on all our services, feel free to check out our website at www.hcu.coop.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that allow you to manage your finances from anywhere. Check your balance, transfer funds, or pay bills with just a few taps on your smartphone. Our ATM services provide easy access to cash whenever you need it, while our basic drive-thru banking makes quick transactions simple and efficient.

Home Financing Solutions

For those ready to make the leap into homeownership or refinance an existing mortgage, our mortgage loans and refinancing services are here to guide you through the process. We know that purchasing a home is one of the biggest decisions you'll make, and we're committed to supporting you every step of the way.

Personal Banking Services

We understand that managing your finances can sometimes feel overwhelming. That's why we offer checking and savings accounts designed for everyday use, helping you keep track of your money effortlessly. For those moments when life requires a little extra help, our personal loans and debt consolidation options can provide the relief you need. We also have credit cards with rewards, allowing you to earn while you spend on things you already buy.

Digital & Online Banking

Additional Features

With e-statements available, you'll have instant access to your account statements without the clutter of paper. This not only helps you stay organized but also contributes to a more sustainable environment. Our person-to-person transfer feature makes it easy to send money to friends and family quickly and securely no need for cash or checks! And if you're looking for convenience in payments, our mobile payments feature allows you to make purchases directly from your phone. Imagine paying for groceries or coffee with just a tap; it's as easy as that! In short, Heartland offers everything you need for efficient banking right at your fingertips. From seamless online banking experiences to robust security measures, we're here to support you every step of the way. Visit us today at https://www.hcu.coop/ and discover how we can help simplify your financial life!

Key Services

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills at your convenience. Whether you're at home or on the go, managing your money has never been simpler. Plus, with our mobile application, you can enjoy all these features right from your smartphone. Security is a top priority for us. We use electronic signature authorization to ensure that all transactions are safe and verified. You can rest easy knowing your financial information is protected while you take care of business.

Financial Strength

Commitment to Growth

With $52,222,682 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 across various sectors with $11,247 in used auto loans and $539,626,911 in total loans and leases. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 140 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings

Members' savings are secured through $189,877,623 in share certificates and $103,927,526 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $19,892,329, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Foundation

With a net worth of $55,795,373, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $860 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $20,268,796. Total Share Accounts: 79,108, 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 2825 Plaza Ave Hays Ks 67601 or call (620) 669-0177 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $206,767,627 in used vehicle loans and $38,189,385 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring that you can find a loan that fits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $73,160,026 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to support you with solutions designed for success.

Credit Lines

If you're looking for flexibility, our total credit lines loans amounting to $114,525,271 can give you access to funds when you need them without the hassle of applying for multiple loans. At Heartland, we believe in empowering our members through accessible financial solutions. If you're interested in refinancing or exploring eligibility options for any of our loan products, don't hesitate to reach out. You can contact us at (620) 669-0177 or visit us at our branch located at 2825 Plaza Ave Hays Ks 67601 in Hays, KS. For more information on eligibility and application processes, please visit our website at https://www.hcu.coop/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your journey towards financial success starts here!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $30,107,926, make buying or refinancing simple. We work closely with our members to provide guidance throughout the mortgage process, whether you are a first-time homebuyer or looking to refinance an existing loan.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $9,939,550 in loans helping members manage their finances effectively. This option allows you to make purchases while maintaining control over your spending.

Loan Aggregator

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 guarantees that users receive fair and transparent offers that reflect actual market conditions. By using verified data, LendMesh ensures that all loan comparisons are accurate and reliable.

Key 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: Users can access up-to-date loan rates from multiple institutions, helping them make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the effectiveness of LendMesh in assisting consumers in navigating the often complex world of loans. 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