Heartland Credit Union Arden Hills MN | Low Mortgage Rates & Business Banking

Introduction

At Heartland, located at 4001 Lexington Ave N, Arden Hills, MN 55126, we are proud to have been serving our community since 1939. As a trusted credit union, we focus on building strong relationships with our 10,906 members, ensuring they receive personalized financial solutions tailored to their unique needs. With total assets of $177,544,829 and total deposits reaching $421,943, we are committed to fostering a secure financial environment for all. Under the leadership of our dedicated CEO, Kathleen Harrington, and Board President, Rex Carlson, Heartland is not just about numbers; it's about people. Our team of 34 employees is passionate about helping you achieve your financial goals be it through auto loans, personal banking services, or business financing. In fact, we've facilitated over 43,179 loans and leases to support our members in their journeys. While you can visit us directly at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 4001 Lexington Ave N, Arden Hills, MN 55126. We believe in making banking accessible and convenient. That's why we offer online and mobile banking services alongside an ATM available on-site for quick transactions. Whether you're looking to save for the future or need assistance with loan options, our team is here to help you every step of the way. With a net worth of $16,945,956 and cash in hand totaling $1,168,696, you can trust that your finances are secure with us. We invite you to reach out to us at 651-451-5160 or visit our website at heartlandcu.org to learn more about how Heartland can support your financial journey. Let's build a better future together!

Branch History & Mission

At Heartland, we take pride in our rich history and commitment to serving our community. Established in 1939, our branch has been a cornerstone for the residents of Arden Hills, MN, for over eight decades. With a focus on fostering strong relationships and providing essential financial services, we have grown from humble beginnings to become a trusted partner for over 10,000 members. Located at 4001 Lexington Ave N, Arden Hills, MN 55126, our branch is easily accessible and close to local landmarks that make it a familiar spot for many in the area. We are dedicated to offering a welcoming environment where members can feel at home while managing their finances. Our mission at Heartland is straightforward yet powerful: to deliver quality financial products and exceptional service while actively supporting our community. We believe that when our members thrive, so does our community. This commitment drives us to provide personalized banking solutions ranging from checking and savings accounts to auto loans, mortgages, and credit cards with rewards. We also recognize the importance of modern banking conveniences; that's why we offer online banking and mobile applications for easy access to your accounts anytime. As we look back at our journey, we've continuously adapted and improved our offerings. Our total assets now stand at an impressive $177,544,829, reflecting our growth and stability in the financial landscape. Our dedicated team of 34 employees works diligently every day to ensure that every member receives the support they need. In addition to traditional banking services, we engage in various community outreach efforts aimed at making a positive impact locally. Through partnerships with local organizations and initiatives focused on education and wellness, Heartland seeks to uplift those around us. While members can visit us at 4001 Lexington Ave N, official correspondence should be sent to the same address as our mailing address. For inquiries or assistance, feel free to call us at 651-451-5160 during our operating hours from 9 am to 4 pm Monday through Friday. We invite you to join Heartland Credit Union today! Experience firsthand the benefits of being part of a financial institution that prioritizes your needs and champions community well-being. Together, let's build a brighter future!

Branch Location & Accessibility

Convenient Access and Features

At Heartland, we prioritize accessibility for all our members. Our location features ample parking and is compliant with ADA standards, ensuring that everyone can easily access our services. While you can visit us at our branch address for all your banking transactions, please note that any official correspondence should be sent to the same address: 4001 Lexington Ave N, Arden Hills, MN 55126.

Get in Touch!

If you have any questions or would like more information about our services, don't hesitate to call us at 651-451-5160. We look forward to welcoming you into Heartland and helping you achieve your financial dreams!

Operating Hours and Services

We are open Monday through Friday from 9 AM to 4 PM, providing you plenty of time to stop by and chat with our team about your financial goals. As part of our commitment to serving you better, we offer a range of services including personal banking accounts, auto loans, mortgage refinancing, and credit cards with rewards. For those who prefer quick transactions or need cash on the go, we have an ATM available right at our location. Please keep in mind that while we do not currently offer drive-thru banking services or shared service center options, our friendly staff is always ready to assist you inside.

Member Eligibility

At Heartland, we believe that becoming a member is like joining a family where your financial well-being is our top priority. If you're looking to experience personalized service and community-focused banking, you're in the right place! To become a member of Heartland, you generally need to live, work, or worship in the Arden Hills area or be related to someone who does. We welcome individuals from all walks of life and encourage you to reach out if you're unsure about your eligibility. For detailed information on membership criteria, please visit our website at . Opening an account is simple and straightforward! Just give us a call at (651) 451-5160 during our lobby hours, or stop by our branch located at 4001 Lexington Ave N Arden Hills Mn 55126. Our friendly staff will guide you through the process and answer any questions you may have. Join us today at Heartland, where your journey towards financial empowerment begins!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans, this doesn't limit our ambition. We strive to empower local entrepreneurs and help them achieve their dreams. Imagine having the capital to purchase new equipment, hire additional staff, or open another location. With flexible financing options available, your business can grow without the financial strain that often holds back ambitious plans.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Picture a busy Saturday at your store; customers are ready to buy but need quick checkout options. Our solutions help ensure smooth transactions, allowing you to focus on providing excellent customer service instead of worrying about payment issues. At Heartland located at 4001 Lexington Ave N Arden Hills Mn 55126, Arden Hills, MN 55126, we are here to support your business every step of the way. Contact us today at (651) 451-5160 or visit us during our operating hours from 9 am to 4 pm Monday through Friday! Together, let's turn your business aspirations into reality.

Comprehensive List Of Services

Business Banking

For our business members, we offer comprehensive solutions including Merchant Services & Business Loans. Running a business comes with its challenges, but with Heartland by your side, managing finances becomes less stressful. We're here to support local businesses in achieving their goals.

Convenient Access

We also recognize the importance of convenience in today's fast-paced world. That's why we provide ATM & Cash Withdrawal Services for quick access to cash whenever you need it. With basic ATM access for withdrawals and balance checks available at various locations, banking with us is straightforward and efficient. In today's digital landscape, being able to bank anytime and anywhere is essential. At Heartland, we strive to provide an engaging and user-friendly experience through all our services. To learn more about how we can assist you with any financial needs or if you're ready to take the next step in managing your finances better, give us a call at 651-451-5160 or visit us at [heartlandcu.org](https://heartlandcu.org/). We look forward to serving you!

Credit Cards

With our Credit Cards with Rewards, enjoy perks as you spend! Whether it's cashback on purchases or points towards travel, our credit cards are designed to enhance your spending experience while helping you earn rewards along the way.

Home Financing

For those looking to buy a home or refinance their existing mortgage, our Mortgage Loans & Refinancing services are designed with you in mind. Picture yourself settling into your dream home with manageable monthly payments that fit within your budget. Our team is here to simplify the mortgage process and ensure you feel confident every step of the way.

Personal Banking

Our personal banking services include Checking & Savings Accounts that offer convenient options to manage your day-to-day finances. Imagine easily accessing your funds through our Online & Mobile Banking platform. You can check balances, transfer money, and even pay bills right from your smartphone or computer making it perfect for busy lifestyles. When it's time to purchase a new car or refinance your current vehicle, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms. We understand that each member's financial situation is unique, so we work with you to find the best solution for your needs.

Personal Loans

If you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation options can help get you back on track financially. We take the time to understand your situation so we can provide personalized solutions tailored just for you.

Digital & Online Banking

At Heartland, we understand that banking should fit into your busy lifestyle. That's why we offer a range of digital and online banking services designed for your convenience and security. Whether you're at home, at work, or on the go, managing your finances has never been easier. With our 24/7 online banking services available at https://heartlandcu.org/, you can check your balances, pay bills, and transfer funds anytime you need to. No more rushing to the bank before it closes; everything you need is just a click away. For those who prefer mobile solutions, our mobile application lets you manage your accounts right from your smartphone. It's user-friendly and designed to make your banking experience smooth and straightforward. One of the standout features is our ability to send money quickly with person-to-person transfers. Need to split the dinner bill or pay back a friend? Just a few taps on your phone will do the trick! Plus, if you're looking for an eco-friendly option, we provide e-statements so you can receive your account statements electronically. This means less paper clutter and a faster way to stay organized. For added security, we utilize electronic signature authorization, ensuring that your transactions are protected without sacrificing convenience. You can have peace of mind knowing that your information is safe while using our services. If you're interested in making purchases directly from your phone, you'll be pleased to know that we're working towards implementing mobile payments soon! This feature will allow you to make transactions effortlessly with just a tap. At Heartland, we are committed to providing our members with accessible and easy-to-use banking solutions that empower you to take control of your financial journey. Explore all our digital offerings today!

Financial Strength

Commitment to Growth

With $16,378,305 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, featuring $26,873 in used auto loans and $108,725,851 in total loans and leases. This supports our members' financial goals across various sectors.

Member Trust

Total Share Accounts stand at 21,381, showcasing a strong and growing member base that trusts us with their finances. Your confidence means everything to us; it drives our mission every day. 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 4001 Lexington Ave N Arden Hills Mn 55126 or call (651) 451-5160 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency shines through with a net income of $168,543, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 33 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $36,315,922 in share certificates and $10,436,654 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. This focus is evident as we manage our resources wisely our non-member deposits stand at $0, ensuring that our efforts benefit you directly.

Solid Financial Health

With a net worth of $16,945,956, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $953 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 $28,474,794 in used vehicle loans and $6,127,714 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable used vehicle, our financing options provide flexibility and affordability.

Credit Lines

For those needing additional liquidity, our total credit lines stand at $66,532,901, providing members with the resources they need when unexpected expenses arise or when planning for big purchases. Our commitment extends beyond just offering loans; we also prioritize making the application process straightforward. If you are interested in refinancing options or want to learn more about eligibility criteria for any of our products, please don't hesitate to ask our knowledgeable staff during your visit or call us at 651-451-5160. Remember that all performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Heartland, we aim to provide not just loans but solutions that empower you financially. Let us partner with you on your journey towards achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $14,757,436. This is an excellent choice if you're looking to invest in your future through real estate.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $5,866,355 in loans helping members manage their finances effectively. These cards provide an easy way to handle unexpected costs without having to worry about immediate repayment.

Loan Aggregator

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Heartland