Heartland Credit Union Hugo MN | Affordable Auto Loans & Drive-Thru Banking

Introduction

Welcome to Heartland, your trusted financial partner located at 14727 Victor Hugo Blvd N, Hugo, MN 55038. Since our establishment in 1939, we have proudly served the community with a commitment to providing exceptional banking services tailored to meet your needs. With a total membership of over 10,906 individuals, we stand as a reliable choice for personal and business banking solutions. At Heartland, we understand that every member has unique financial goals. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. Our dedicated team is here to help you navigate your financial journey with confidence. With total assets reaching an impressive $177,544,829 and total deposits of $421,943, we prioritize the security and growth of your finances. Our CEO, Kathleen Harrington, along with Board President Rex Carlson, leads a team of 34 employees who are passionate about serving our members' interests. While members can visit us at our branch for friendly service and support, any official correspondence should be directed to the same address: 14727 Victor Hugo Blvd N, Hugo, MN 55038. If you have questions or need assistance, don't hesitate to reach out at 651-451-5160 or send us a fax at 651-451-4340. We invite you to explore all that Heartland has to offer by visiting our website at heartlandcu.org. Join us in building a brighter financial future together!

Branch History & Mission

Welcome to Heartland in Hugo, Minnesota, where we proudly celebrate a rich legacy of serving our community since 1939. Over the decades, we have grown from humble beginnings into a trusted financial partner for over 10,900 members. Our journey reflects our commitment to not just provide financial services, but also to empower individuals and families in our community. Located at 14727 Victor Hugo Blvd N, Hugo, MN 55038, our branch is easily accessible and close to local landmarks that make it a convenient stop for your banking needs. While members can visit us at this address, official correspondence should be sent to the same location: 14727 Victor Hugo Blvd N, Hugo, MN 55038. Our mission at Heartland is clear: we are dedicated to enhancing the financial well-being of our members and enriching the communities we serve. We offer a wide range of services including personal banking with checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Additionally, we cater to business banking needs through merchant services and business loans. It is not just about transactions; it's about building lasting relationships based on trust and support. Throughout our history, we've adapted to meet the evolving needs of our members. Today, we embrace technology with features such as online banking and mobile applications while ensuring accessibility for everyone through ADA compliance. Our drive-thru service makes it easy for those on the go to handle their banking needs without stepping inside. In addition to providing excellent financial services, Heartland actively engages in community outreach efforts. We believe in giving back and supporting local initiatives that uplift our neighborhoods. Whether it's sponsoring local events or partnering with organizations that share our values, we strive to make a positive impact beyond mere banking. With total assets now exceeding $177 million, Heartland remains financially strong and committed to serving you better every day. Our operating hours are designed with your convenience in mind: from 8 AM to 5 PM Monday through Wednesday, 8 AM to 5:30 PM Thursday and Friday, and Saturday from 9 AM to 12 PM for drive-thru services. Join us at Heartland today and experience firsthand how we can help you achieve your financial goals while making a difference in our community! For inquiries or assistance, feel free to call us at 651-451-5160. We look forward to welcoming you!

Branch Location & Accessibility

Accessibility and Features

Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and spacious parking for all our members. Whether you prefer coming inside or using our drive-thru service, we've got you covered! The drive-thru allows for quick transactions without leaving your car, making it a breeze for those on the go. For those who need assistance or have specific banking needs, our dedicated team is ready to help during our operating hours. We're open Monday through Wednesday from 8 AM to 5 PM, Thursday and Friday until 5:30 PM, and on Saturdays from 9 AM until noon for drive-thru services.

Get in Touch

We invite you to stop by or give us a call at (651) 451-5160. Our friendly staff is eager to assist you with any questions or services you may need. Come experience the Heartland difference today where community and convenience come together!

Services Offered

At Heartland, we pride ourselves on providing a wide range of services tailored to fit your financial needs. From checking and savings accounts to auto loans and mortgages, we're here to support you every step of the way. Plus, our ATM availability means you can access cash whenever you need it! While members can visit us at 14727 Victor Hugo Blvd N Hugo Mn 55038, official correspondence should be sent to 14727 Victor Hugo Blvd N, Hugo, MN 55038 if it differs from our branch location.

Member Eligibility

At Heartland, we believe that everyone deserves a place in our community, and becoming a member is as easy as it gets! To join us at our branch located at 14727 Victor Hugo Blvd N Hugo Mn 55038, you simply need to meet a few friendly criteria. If you live, work, or worship in the area, or have family ties to current members, you're likely eligible. We're all about inclusivity and supporting one another, so we encourage anyone who meets these guidelines to reach out and become part of our family. You can find more specific details about eligibility on our website at . Once you're ready to take the next step, opening an account is straightforward. Our team is here to help guide you through the process and answer any questions you may have. Feel free to give us a call at (651) 451-5160 for assistance or visit us in person. We can't wait to welcome you to Heartland and show you all the benefits that come with being a member of our credit union!

Business Banking & Commercial Services

Loan Options That Drive Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no outstanding commercial loans, we are ready to provide flexible financing solutions when the time is right for you. Imagine needing funds to purchase new equipment or to hire additional staff. With our member and non-member commercial loan offerings, you can access the capital needed to turn those ideas into reality. Although we haven't funded any loans yet, we're eager to help businesses like yours scale and succeed in the future.

Merchant Services Tailored for You

Additionally, our merchant services help streamline your transactions, ensuring that you can focus on what you do best running your business. Whether it's processing payments efficiently or managing cash flow better, these services are designed to make your life easier. Located conveniently at 14727 Victor Hugo Blvd N Hugo Mn 55038 in Hugo, MN, we invite you to explore how Heartland can be your partner in success. For more information, give us a call at (651) 451-5160. Your business deserves the best financial support available!

Comprehensive List Of Services

Additional Services

We also provide basic ATM access for balance checks and simple transactions to further enhance your banking experience. At Heartland in Hugo, MN, we strive to make banking convenient and supportive of your lifestyle. Our friendly staff is ready to assist you with any questions or guidance you need regarding our various services. Ready to take the next step? Call us at 651-451-5160 or visit us online at Heartland today! Your financial success starts here!

Business Banking Solutions

If you're a business owner, Heartland has got you covered too! Our business banking services, including merchant services and business loans, are designed to support local entrepreneurs. We understand how crucial it is to have reliable financial backing when running a business.

Credit Cards with Rewards

For everyday purchases, consider our credit cards with rewards. They not only offer the convenience of cashless transactions but also allow you to earn points on every purchase that can be redeemed for travel, gifts, or even cash back.

Online and Mobile Banking Convenience

In today's fast-paced world, access to your accounts anytime is essential. That's why we offer robust online and mobile banking services. With just a few clicks or taps on your phone, you can check balances, transfer funds, or pay bills without having to visit the branch. Our ATM services ensure you can withdraw cash when needed, while our drive-thru banking allows for quick deposits and withdrawals without leaving your car.

Personal Banking Made Easy

Starting with personal banking, we offer various checking and savings accounts that cater to different lifestyles. If you're saving for a vacation or planning for a rainy day, our flexible accounts can help you reach your goals. For those needing assistance with larger purchases, our auto loans and vehicle financing options provide competitive rates and terms that fit any budget. Imagine cruising down the highway in your new car without the stress of complicated financing! When it comes to homeownership, we offer mortgage loans and refinancing options. Whether you're buying your first home or looking to lower your monthly payments on an existing mortgage, our dedicated team is here to guide you through every step. We also provide personal loans and debt consolidation services that can help simplify your financial life by merging multiple debts into one manageable payment.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. Whether you're on a lunch break or relaxing at home, your financial information is always within reach. Plus, with electronic signature authorization, signing important documents has never been simpler no need for paper or in-person visits. We also offer e-statements to help you stay organized. Instead of waiting for paper statements to arrive in the mail, you can view and download your account statements digitally. This not only saves time but also contributes to a more sustainable future by reducing paper waste. For those on the go, our mobile application provides access right from your smartphone. While we currently don't support mobile payments, you can still enjoy the convenience of person-to-person transfers directly through the app. Sending money to friends or family is quick and hassle-free! At Heartland, we prioritize your safety and security with robust measures in place to protect your personal information. Our easy-to-navigate platform ensures that even if you're not tech-savvy, managing your finances online will feel intuitive. In summary, whether you prefer accessing services from your computer or mobile device, our digital banking options at Heartland are designed to provide you with easy access and real-time management of your accounts so you can focus on what really matters in life!

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 supports members' financial goals across various sectors with $26,873 in used auto loans and a total of $108,725,851 in loans and leases.

Growing Member Trust

Total Share Accounts: 21,381 show a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $0, indicating our commitment to prioritizing member resources effectively. 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 14727 Victor Hugo Blvd N Hugo Mn 55038 or call [651-451-5160](tel:6514515160) 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-Centric Resources

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. 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.

Operational Efficiency

Our operational efficiency is reflected in our net income of $168,543, which enables 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 employee, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong 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 looking for a reliable used car or a brand-new model, our competitive rates and flexible terms make it easier than ever to drive away with confidence.

Business Financing

For business owners looking for growth opportunities, while we currently do not have outstanding commercial loans available at this branch, our commitment to supporting local businesses remains strong. We encourage you to reach out for any future financing needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $14,757,436, make buying or refinancing simple. We offer various mortgage solutions tailored to your unique situation. If you're considering refinancing your current mortgage, we can help you explore eligibility options that might save you money in the long run.

Summary of Offerings

Heartland is dedicated to providing accessible financial solutions that empower our members. Whether you're interested in auto financing, home loans, or managing day-to-day expenses through credit cards, our team is here to guide you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information or to apply for a loan today, please contact us at 651-451-5160 or visit our website at heartlandcu.org. We're ready to help you achieve your financial aspirations!

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. Our credit card options come with rewards and benefits that make your spending work for you.

Loan Aggregator

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Heartland