Heartland Credit Union Janesville WI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Heartland, your trusted partner in financial wellness, located at 3400 E Racine St, Janesville, WI 53546. Since our establishment in 1936, we have proudly served our community with a commitment to providing personalized banking solutions tailored to meet the needs of our 34,210 members. Whether you're looking for checking and savings accounts, auto loans, or business banking services, we're here to help you achieve your financial goals. Our credit union has grown significantly over the years and currently holds a robust $606,940,994 in total assets. With $19,067,005 in total deposits and an impressive $67,720,889 net worth, we are well-equipped to provide you with secure and reliable financial services. We understand that trust is essential when it comes to managing your money, which is why we prioritize transparency and member satisfaction. At Heartland, we pride ourselves on being more than just a financial institution. We are a part of the community. Our dedicated team of 130 employees, led by CEO Angela Hanson and Board President Rhonda Hollfelder, work tirelessly to create a welcoming environment where every member feels valued. Our commitment to exceptional service is reflected in our growing number of loans over 16,565 loans and leases currently benefiting our members. For any official correspondence, please note that while you can visit us at our branch address above, mail should be directed to our mailing address: 5325 High Crossing Blvd, Madison, WI 53718-2301. We invite you to explore all that Heartland has to offer by visiting our website at heartlandcu.org or giving us a call at 800-362-3944. Your financial success is our priority!

Branch History & Mission

Join Us

As we look toward the future, Heartland remains committed to innovation and improving accessibility for all members. With advancements in mobile payments and online services, we're ensuring that managing your finances is easier than ever before. We invite you to join Heartland today! Experience firsthand how we can assist you in achieving your financial goals while being part of a supportive community-focused credit union. For any inquiries or assistance, feel free to reach out at 800-362-3944. Together, let's build a brighter financial future!

Our Evolution

From our humble beginnings as a small credit union, Heartland has continuously evolved to meet the changing needs of our members. We pride ourselves on being more than just a financial institution; we are a cornerstone of the community. As we expanded our offerings over the decades from basic checking and savings accounts to auto loans and mortgage financing we maintained our commitment to personalized service and member satisfaction. Our operating hours reflect our dedication to serving you: we welcome visitors on Tuesdays and Fridays from 9:00 a.m. to 5:00 p.m. For those who prefer digital banking options, we offer online banking services that allow members to manage their finances at their convenience. Additionally, we have an ATM available for quick transactions without needing to visit the branch.

Our Mission

At Heartland, our mission is simple yet profound: to empower our members through exceptional financial services while fostering community growth and support. We believe that financial success is not just about numbers; it's about helping people achieve their dreams. Whether it's assisting with personal loans or providing business banking solutions, we strive to make a meaningful impact in every member's life. We also recognize the importance of community outreach and partnerships. By actively engaging in local initiatives and supporting charitable causes, Heartland aims to uplift those around us and contribute positively to the Janesville area. While members can visit us at 3400 E Racine St for in-person assistance, official correspondence should be sent to our mailing address at 5325 High Crossing Blvd, Madison, WI 53718-2301.

Branch Location & Accessibility

Convenient Access and Features

At Heartland, we prioritize accessibility. Our location features ample parking and is compliant with ADA standards, making it easy for everyone to visit us. While members can conveniently stop by our branch during operating hours on Tuesday and Friday from 9:00 a.m. to 5:00 p.m., we also offer ATM services for those quick transactions outside regular hours. If you need to reach us via mail, please note that official correspondence should be sent to our mailing address at 5325 High Crossing Blvd, Madison, WI 53718-2301.

Join Us Today!

We invite you to come visit Heartland at our Janesville branch. Whether you're looking to open an account or simply want more information about our services, feel free to call us at 800-362-3944. We look forward to welcoming you into the Heartland family!

Services Tailored for You

We understand that every member has unique needs. At Heartland, you'll find a range of services designed just for you from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. For businesses, we offer merchant services and business loans as well. While we don't have drive-thru banking at this location, our friendly team is always ready to assist you inside. If you're looking for online or mobile banking solutions, we've got you covered there too!

Member Eligibility

Becoming a member of Heartland is like joining a caring family that values your financial well-being. If you live, work, or worship in the area, you're likely eligible to join our community. We welcome individuals who share our commitment to supporting one another and building a brighter financial future together. It's simple to get started; just visit us at our branch located at 3400 E Racine St Janesville Wi 53546 or give us a call at (800) 362-3944 for more information on how to qualify. For detailed eligibility criteria, feel free to check out this resource: . Once you're ready, opening an account is easy! We can't wait to help you take the next step towards your financial goals!

Business Banking & Commercial Services

Business Loans That Empower Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $272 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $53,349,558, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Needs

In addition to loans, our merchant services simplify your transactions, making it easier for you to manage payments and serve your customers effectively. Imagine processing credit card payments swiftly while tracking sales in real-time all from one easy-to-use platform. This means more time focusing on what you do best: running your business. Whether you're just starting out or looking to expand, Heartland at 3400 E Racine St Janesville Wi 53546, Janesville, WI is here to partner with you every step of the way. Let us help you turn your business goals into reality! For more information or assistance, call us at (800) 362-3944.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our branch provides ATM & Cash Withdrawal Services, ensuring you have easy access to your money when you need it most. Plus, basic ATM access allows for quick balance checks and withdrawals without any hassle. At Heartland, our commitment is to ensure that every member feels valued and supported in their financial journey. To learn more about how we can assist you or to discuss specific services further, feel free to give us a call at (800) 362-3944 or visit us at our branch in Janesville, WI. Your financial success is our priority!

Auto Loans & Vehicle Financing

If you're considering purchasing a new vehicle, our Auto Loans & Vehicle Financing options can help make that dream a reality. We offer competitive rates and flexible terms so that you can drive away with the car you want without breaking the bank.

Business Banking

For our business members, we provide comprehensive Business Banking solutions including Merchant Services & Business Loans. Whether you're starting a new venture or expanding an existing business, we have tailored products and expert advice ready for you.

Credit Cards with Rewards

For those looking for flexibility in spending, our Credit Cards with Rewards provide excellent benefits. You can earn rewards on everyday purchases while enjoying features like no annual fees and low-interest rates.

Mortgage Loans & Refinancing

When it comes to buying or refinancing your home, trust our team to guide you through the process with our Mortgage Loans & Refinancing options. We understand that purchasing a home is one of the most significant decisions you'll ever make. Our friendly staff will work with you to find a mortgage solution that suits your financial situation.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking services. Access your accounts from anywhere at any time! With features such as mobile payments and person-to-person transfers, managing your finances has never been easier.

Personal Banking

Our personal banking services include Checking & Savings Accounts designed to help you save and manage your money effectively. Imagine having a checking account that fits seamlessly into your lifestyle, allowing you to pay bills, shop online, and access your funds whenever needed. Our Savings Accounts provide a safe place for your savings while earning interest over time.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation solutions. Whether you need funds for a big purchase or want to simplify your finances by consolidating debt into one manageable payment, we are here to help.

Digital & Online Banking

Key Features

With features like e-statements available for easy access to your financial documents, you can say goodbye to paper clutter. We also support mobile payments, making it simple to pay for purchases directly from your smartphone. Need to send money to a friend? Our person-to-person transfer feature makes it quick and hassle-free. Security is always top of mind at Heartland. While we currently do not support electronic signature authorization, rest assured that our online banking services are designed with your safety in mind. You can bank with confidence knowing that your information is protected. In summary, our digital and online banking services provide a user-friendly experience that empowers you to manage your money on your terms. Join us today at https://heartlandcu.org/ and discover how easy it is to stay connected with your finances!

Financial Strength

Dedicated Team

We also take pride in having 123 full-time employees and 7 part-time employees ready to assist you with a knowledgeable and committed team. Our staff is dedicated to providing personalized service so that every visit feels welcoming and beneficial. Our current operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members.

Member Trust

Total Share Accounts: 73,860, showing a strong and growing member base that trusts us with their finances. This trust motivates us every day to uphold the highest standards of service and reliability. In conclusion, 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 3400 E Racine St Janesville Wi 53546 or call (800) 362-3944 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.*

Reinvestment for Growth

With $43,596,843 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to reinvestment allows us to stay ahead of industry trends while improving your banking experience. Our lending capacity supports members' financial goals across various sectors. With $3,593 in used auto loans and $451,407,778 in total loans and leases, we're here to help you achieve your dreams whether it's purchasing a new vehicle or financing a home renovation.

Secure Savings Options

Members' savings are secured through $122,378,039 in share certificates and $74,763,182 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize the security of your deposits, ensuring that your hard-earned money is well-managed and protected. Unlike traditional banks, we focus on our members first. With non-member deposits at $0, we ensure that our resources are dedicated to benefiting you through better loan rates, lower fees, and exclusive perks tailored just for you.

Strong Financial Health

With a net worth of $67,720,889, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is vital for ensuring that we can continue meeting your financial needs effectively. Our net worth ratio of $1,115 demonstrates a solid capital base, ensuring that we can provide loans, competitive savings rates, and uninterrupted services even during uncertain economic times. This level of resilience means you can trust us with your finances.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $48,970,524 in used vehicle loans and $32,401,272 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, we have options that fit your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $53,349,558 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and are here to support your journey toward success.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $36,769,966, making buying or refinancing simple. We provide guidance throughout the process to ensure you find the right mortgage solution for your needs.

Refinancing Options

If you're looking to lower your monthly payments or take advantage of better interest rates, we offer refinancing options across our loan products. Our team is ready to discuss eligibility and find solutions tailored to your situation. At Heartland located at 3400 E Racine St Janesville WI 53546, we're dedicated to supporting our members' financial journeys. If you have questions or want to learn more about our loan offerings, please give us a call at 800-362-3944. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you navigate your lending needs!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $8,605,732 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that make everyday spending more rewarding.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed for those who want clear insights into their borrowing options without the confusion often found in the lending market. LendMesh ensures accurate loan comparisons by sourcing its data 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 means you can trust that the offers presented are fair and transparent. One of the key benefits of using LendMesh is Verified Data. All loan offers come from legitimate financial institutions, ensuring that users have access to reliable information. Additionally, LendMesh operates on a model that features No Sponsored Listings. Unlike some comparison tools that prioritize lenders based on paid promotions, LendMesh is committed to delivering unbiased results. This approach helps users make informed decisions based on their unique financial situations. Another significant advantage is Real-Time Rate Comparisons. Users can view up-to-date loan rates from multiple institutions, allowing them to find the best possible deals efficiently. 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!" If you're ready to take control of your financing options and discover competitive rates tailored to your needs, 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