Heartland Credit Union Ness City KS | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Heartland, your trusted partner in financial services located at 202 S Topeka Ave, Ness City, KS 67560. Since our establishment in 1948, we have dedicated ourselves to serving our community with integrity and care. With a robust membership of 40,098 individuals, we pride ourselves on being more than just a credit union; we are a vital part of the Ness City community. At Heartland, we understand that financial needs vary from person to person. That's why we offer a wide range of services tailored to meet your specific requirements from personal banking options like checking and savings accounts to auto loans, mortgages, and business financing. Our total assets stand at an impressive $647,519,323, ensuring that we have the resources necessary to support our members effectively. While you can visit us directly at our branch for all your banking needs, official correspondence can be sent to 202 S Topeka Ave, Ness City, KS 67560-1936. Our friendly staff is always ready to assist you during lobby hours from 9 AM to 4 PM, Monday through Friday. If you need assistance outside of these hours or prefer the convenience of online banking, our website at Heartland Credit Union offers various digital services to keep your finances accessible and manageable. Under the leadership of CEO Dan Springer and Board President Rex Christner, Heartland is committed to transparency and excellence in service. We invite you to experience the difference a member-focused institution can make in your financial journey. Feel free to call us at 620-669-0177 for any inquiries or stop by for a personal consultation. Join us as we continue to build a brighter financial future together!

Branch History & Mission

Heartland Credit Union has a rich history that dates back to 1948, when it first opened its doors in Ness City, Kansas. From humble beginnings, this community-focused institution has grown and adapted to meet the evolving needs of its members. With a commitment to providing exceptional financial services, Heartland has become a trusted partner for individuals and families alike. Located at 202 S Topeka Ave, Ness City, KS 67560, Heartland serves a diverse membership base of over 40,000 individuals. The credit union's strong presence in the community is not just measured by its size; it's also reflected in the solid relationships it fosters with its members. As part of its mission, Heartland aims to empower its members through accessible financial solutions while promoting community engagement and support. The journey of Heartland is marked by key milestones that illustrate its commitment to growth and innovation. Over the years, the credit union has expanded its offerings to include personal banking services like checking and savings accounts, auto loans, mortgages, and business banking options. These enhancements are aimed at ensuring that every member can find the right financial products to suit their needs. Heartland operates with a clear mission statement: "To improve our members' lives through quality financial services." This mission drives every aspect of the credit union's operations from their user-friendly online banking platform to personalized service at the branch. The team at Heartland believes in making finance simple and approachable for everyone. While members can visit us at 202 S Topeka Ave, official correspondence should be sent to 202 S Topeka Ave, Ness City, KS 67560-1936 if needed. The branch provides convenient operating hours from Monday to Friday, with lobby hours from 9 AM to 4 PM and drive-thru service available from 8 AM to 4 PM. In addition to traditional services, Heartland is proud of its commitment to digital advancements. Members can take advantage of features like online banking, mobile payments, and e-statements making managing finances easier than ever before. Furthermore, Heartland ensures accessibility for all members by adhering to ADA compliance standards. Community outreach is another cornerstone of Heartland's mission. The credit union actively participates in local initiatives and partnerships that support education, health, and well-being within Ness City. By investing in local projects and events, Heartland not only strengthens its ties with the community but also helps foster a sense of belonging among its members. As we look toward the future, Heartland Credit Union invites you to join our growing family. Experience firsthand how we prioritize your financial health while supporting our wonderful community. Reach out today at 620-669-0177 or visit our website at hcu.coop for more information on becoming a member!

Branch Location & Accessibility

Welcome to Heartland in Ness City, where convenience meets community! Located at 202 S Topeka Ave, our branch is easily accessible for all your banking needs. Whether you're a longtime member or considering joining us, we're here to provide friendly service and support in a welcoming atmosphere. While you can visit us at our physical address, please note that official correspondence should be sent to our mailing address: 202 S Topeka Ave, Ness City, KS 67560-1936. This keeps everything organized and ensures your communications reach the right place. Nestled in the heart of Ness City, we're close to local landmarks such as the Ness County Historical Society and just a stone's throw away from the city park. Our location offers ample parking with easy access, including ADA-compliant features like ramps for those who need extra assistance. At Heartland, we understand that life can be busy. That's why we offer convenient operating hours: our lobby is open Monday through Friday from 9 AM to 4 PM, while our drive-thru service operates from 8 AM to 4 PM on the same days. So whether you prefer face-to-face interactions or quick transactions from your car, we've got you covered! Although we don't have ATM services at this branch, our drive-thru allows for simple transactions like deposits and withdrawals. We also provide a range of personal banking services, including checking and savings accounts, auto loans, mortgages, and credit cards with rewards all designed to help you manage your finances effectively. If you have any questions or would like to learn more about how we can serve you better, feel free to call us at 620-669-0177. Our friendly team is excited to assist you! Come visit us today and experience the Heartland difference in person!

Member Eligibility

Becoming a member of Heartland is like joining a close-knit family where everyone looks out for one another. If you're looking to benefit from personalized banking solutions in the heart of Ness City, you've come to the right place! To be eligible for membership, you simply need to live, work, worship, or attend school in the area served by our credit union. This means that if you're part of our vibrant community in and around 202 S Topeka Ave Ness City Ks 67560, you can take advantage of all we have to offer. You can find more details on the eligibility criteria by visiting https://consumer.hcu.coop. Once you've determined your eligibility, opening an account is a breeze. With just a few simple steps, you'll be on your way to enjoying our range of services designed specifically for our members. Whether you're interested in checking and savings accounts, auto loans, or credit cards with rewards, there's something for everyone at Heartland. If you have any questions or need assistance, feel free to give us a call at (620) 669-0177. We're here to help! For more information about starting your membership journey, check out http://www.hcu.coop/loan-apps.

Business Banking & Commercial Services

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. Imagine being able to invest in new equipment, hire additional staff, or open a new location all made possible by our tailored loan options.

Merchant Services

In addition to loans, we offer practical merchant services that can help streamline your operations. Picture this: you run a busy retail store and need a reliable way for customers to pay quickly and easily. Our merchant services provide secure payment processing solutions, allowing you to focus on what you do best serving your customers. Visit us at 202 S Topeka Ave Ness City Ks 67560 in Ness City, KS or call us at (620) 669-0177 to discover how we can empower your business today!

Comprehensive List Of Services

Accessing Your Funds

While we don't have ATMs at this branch, our drive-thru service is available for basic transactions such as deposits and withdrawals. We strive to keep your banking experience smooth and hassle-free. If you're interested in learning more about how we can assist with your financial needs or if you have any questions about our services, feel free to give us a call at 620-669-0177 or visit us at 202 S Topeka Ave Ness City, KS 67560. At Heartland, we're here for you every step of the way come see how we can make a difference in your financial life!

Business Banking Support

For our local business owners, we offer comprehensive business banking services including merchant services and business loans. We know how important it is for businesses to have access to funding and support, which is why we tailor our solutions to help you thrive in today's competitive environment.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we have invested in online and mobile banking features that let you manage your accounts from anywhere at any time. With options like electronic statements, mobile payments, and person-to-person transfers, handling your finances has never been easier.

Personal Banking Made Easy

Managing your finances should be simple and straightforward. At Heartland, we offer various checking and savings accounts tailored to fit your lifestyle. Need a reliable way to finance your next vehicle? Our auto loans and vehicle financing options make it easy to drive away in the car you want without breaking the bank. If you're thinking about home ownership or refinancing, our mortgage loans can help you secure that dream home with favorable terms. We understand life can throw unexpected challenges your way, which is why our personal loans and debt consolidation options are here to provide relief when you need it most. Plus, with our credit cards featuring rewards, you can earn points on everyday purchases while enjoying the benefits of responsible credit use.

Digital & Online Banking

Key Services

Our online banking platform is available 24/7 at https://www.hcu.coop/. You can easily check your account balances, view transaction history, and transfer funds with ease. For those who prefer using their smartphones, our mobile application makes banking even simpler. You can enjoy features like mobile payments, allowing you to make purchases directly from your phone without hassle. If you're looking to send money to friends or family, our person-to-person transfer option is quick and straightforward. Plus, with electronic signature authorization, signing documents has never been easier or more secure.

Security and Accessibility

Your safety is our top priority. We utilize advanced security measures to protect your personal information while ensuring that you have access to all the features you need at your fingertips. In addition to these services, we offer e-statements for those who want to go paperless and keep their accounts organized. This way, you can review your statements whenever you need them without cluttering your space. At Heartland, we believe in making banking accessible for everyone. Whether you're on the go or relaxing at home, managing your finances is just a click away. Embrace the convenience of digital banking today!

Financial Strength

Growing Membership

Total Share and Deposit Accounts: 79,108, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $20,268,796. 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 202 S Topeka Ave Ness City Ks 67560 or call (620) 669-0177 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 $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.

Operational Efficiency

Our commitment to 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.

Reinvestment for 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 is robust; we have $11,247 in used auto loans and $539,626,911 in total loans and leases to support your financial goals across various sectors.

Solid Financial Position

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.

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, making it easier than ever to drive away in the car you want.

Business Loans

For business owners looking to expand or invest in their operations, our outstanding commercial loans totaling $73,160,026 provide the capital needed for growth and development. If you're considering any of our loan options but unsure about eligibility or refinancing opportunities available for existing loans, please don't hesitate to reach out for assistance. Our team is here to guide you through every step of the process. Feel free to contact us at (620) 669-0177 for more information about our loan offerings or visit us online at Heartland Credit Union. 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 stability starts here!

Credit Lines

For those needing a bit more flexibility in their budgeting, our total credit lines amount to $114,525,271. This allows you to access funds as needed while managing payments according to your cash flow.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $30,107,926, making buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, we have solutions tailored to fit your needs.

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. These cards are designed to provide convenience and ease of use without requiring collateral.

Loan Aggregator

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Heartland