Heartland Credit Union Madison WI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Heartland, your trusted credit union located at 101 E Rusk Ave, Madison, WI 53713. Established in 1936, we have been serving our community for over 85 years, fostering financial growth and stability for our members. With a total membership of 34,210 and assets exceeding $606 million, Heartland is committed to providing personalized financial services that meet the diverse needs of our members. At Heartland, we believe in building strong relationships with our community. Our dedicated team of 130 employees, led by CEO Angela Hanson and Board President Rhonda Hollfelder, is here to guide you through your financial journey. We offer a range of services, including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 5325 High Crossing Blvd, Madison, WI 53718-2301. Whether you're looking to save for the future or finance a new car, our friendly staff is always ready to assist you with tailored solutions. We take pride in our financial health; with total deposits of $19,067,005 and a net worth of $67,720,889, Heartland ensures that your money is not only safe but also working for you. Our commitment to innovation means you can manage your finances easily through online and mobile banking. Experience the Heartland difference today! Call us at 800-362-3944 or visit us online at heartlandcu.org to learn more about how we can help you achieve your financial goals. Your journey toward financial empowerment starts here!

Branch History & Mission

At Heartland, we are proud of our rich history and commitment to the community in Madison, WI. Founded in 1936, our branch has grown alongside our members, evolving from a small credit union into a trusted financial partner with over 34,210 members today. Located at 101 E Rusk Ave, we are conveniently situated near local landmarks that reflect the vibrant spirit of Madison. Our mission is simple yet powerful: to provide accessible financial services while supporting and enriching our community. We believe in empowering individuals and families by offering personal banking solutions like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. But we don't stop there; we also focus on business banking, providing essential services like merchant accounts and business loans. While members can visit us at our branch address, official correspondence should be sent to our mailing address at 5325 High Crossing Blvd, Madison, WI 53718-2301. This attention to detail ensures that we remain connected with our members every step of the way. Over the years, Heartland has achieved significant milestones. With total assets now exceeding $606 million, we have implemented modern advancements such as online and mobile banking to ensure our services are available when you need them. Our operating hours Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to noon allow for convenient access to your finances. We proudly offer ATM services and drive-thru banking for those who prefer quick transactions without leaving their vehicles. Our commitment to accessibility includes ADA compliance across all our branches, ensuring everyone can benefit from our offerings. Community support is at the heart of what we do. From partnering with local organizations to participating in outreach programs, we strive to make a positive impact in Madison and beyond. We believe that when our community thrives, so do we. As you consider your financial future, we invite you to join Heartland. Experience firsthand how we combine exceptional service with a genuine commitment to helping you achieve your goals. Connect with us today at 800-362-3944 or visit us online at Heartland Credit Union. Together, let's build a brighter tomorrow!

Branch Location & Accessibility

Call to Action

Ready to take the next step towards better banking? We invite you to visit us at Heartland or give us a call at 800-362-3944 for any questions you may have. Our dedicated team looks forward to welcoming you and helping you achieve your financial goals!

Nearby Landmarks and Access

Situated just a stone's throw from the vibrant downtown area, our branch is close to popular local spots that make banking a breeze. With ample parking available, you can easily pop in without any hassle. We also ensure that everyone can access our services comfortably our branch features ADA-compliant ramps and entrances.

Operating Hours

We know that life can get busy, so we keep our doors open during convenient hours. You can visit us Monday through Friday from 9 AM to 5 PM, and we're also available on Saturdays from 9 AM to 12 PM. Whether you prefer visiting in person or using our drive-thru service for quick deposits and withdrawals, we've got you covered!

Services Offered

At Heartland, we offer a variety of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgages, we provide options that fit your lifestyle. Need cash? Our ATM is readily accessible for your convenience.

Member Eligibility

At Heartland, we believe that becoming a member is like joining a welcoming family that truly cares about your financial well-being. If you're looking to be part of our community, the good news is that eligibility is straightforward! Generally, anyone who lives, works, worships, or attends school in our local area can join. We want to ensure everyone feels included and supported, so if you have questions about your specific situation or would like more details on eligibility requirements, feel free to visit our website at for the most up-to-date information. Once you're ready to take the next step, opening an account with us is simple and convenient! Just give us a call at (800) 362-3944, and our friendly staff will guide you through the process. You can also check out our account opening details on our site. At Heartland, we're here to help you every step of the way as you embark on this exciting journey towards achieving your financial goals.

Business Banking & Commercial Services

Financing Solutions for 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.

Practical Merchant Services

In addition to loans, our merchant services simplify everyday transactions for businesses. Imagine having a reliable partner that not only processes payments but also provides insights into sales trends. This allows you to focus on what you do best running your business! With tools that streamline your payment processes, Heartland empowers you to serve your customers better. Visit us at 101 E Rusk Ave Madison Wi 53713 in Madison, WI, or call us at (800) 362-3944 to discover how we can assist you in achieving your business goals!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

We also offer ATM services for easy cash withdrawals and balance checks whenever you need them. With locations available throughout the area, accessing your funds is straightforward and hassle-free.

Auto Loans & Vehicle Financing

Need a new ride? Our auto loans and vehicle financing options can help you hit the road without breaking the bank. Whether you're buying new or used, we offer competitive rates that make it simple to get behind the wheel of your ideal car. Plus, our online application process allows you to apply from the comfort of your home.

Business Banking

For entrepreneurs and business owners, we offer comprehensive business banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our knowledgeable team is ready to assist you every step of the way.

Credit Cards with Rewards

Our credit cards come with rewards programs that allow you to earn points on everyday purchases. Imagine earning cash back or travel rewards just by using your card for groceries or gas. It's an easy way to benefit from your spending!

Drive-Thru Banking

For those quick transactions on-the-go, our drive-thru service allows for basic banking needs such as deposits and withdrawals without leaving your car. At Heartland, we pride ourselves on being accessible and member-focused. If you're interested in any of these services or have questions about how we can assist you further, don't hesitate to reach out! Call us at (800) 362-3944 or visit us today at 101 E Rusk Ave Madison Wi 53713. Your financial well-being is our priority!

Mortgage Loans & Refinancing

Dreaming of homeownership? Our mortgage loans are designed to make that dream a reality. We provide various financing options and refinancing solutions that can save you money over time. Picture yourself in your new home with a monthly payment that fits comfortably within your budget.

Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why Heartland provides robust online and mobile banking services. You can manage your accounts anytime, anywhere whether it's checking balances, transferring funds, or paying bills all at your fingertips.

Personal Banking

Our personal banking services include checking and savings accounts tailored to fit your lifestyle. Imagine having access to an account that not only helps you manage your money but also grows your savings. With options like competitive interest rates and low fees, saving for that dream vacation or emergency fund has never been easier.

Personal Loans & Debt Consolidation

If you need extra funds for unexpected expenses or want to consolidate debt into one manageable payment, our personal loans could be the answer. We understand life can throw curveballs, and we're here to help make those financial challenges more manageable.

Digital & Online Banking

Key Features

One of the standout features of our digital offerings is the availability of e-statements. Enjoy quick and easy access to your account statements without the clutter of paper. Plus, our mobile application makes it simple for you to bank right from your smartphone. Whether you're looking to deposit checks or make payments through mobile payments, everything is just a tap away. Need to send money to a friend? Our person-to-person transfer option lets you do that effortlessly. Just enter their details, and you're set! Although we don't currently offer electronic signature authorization, our other features are designed with ease-of-use in mind.

Security & Support

Your safety is our top priority. We employ advanced security measures to protect your information while you bank online. If you ever have questions or need assistance, our team is ready to help by phone at (800) 362-3944 during regular business hours. At Heartland, we believe that banking should be straightforward and user-friendly. With our comprehensive digital banking services, you can manage your finances effectively without any hassle. Join us today and experience a new level of convenience!

Financial Strength

Growing Member Base

We have a thriving community with a total of 73,860 share and deposit accounts. This growing member base shows the trust placed in us by those who choose Heartland as their financial partner. 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 101 E Rusk Ave Madison Wi 53713 or call (800) 362-3944 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Investing in Member Services

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. Our lending capacity is also impressive; with $3,593 in used auto loans and $451,407,778 in total loans and leases, we support members' financial goals across various sectors.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 123 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secured Savings Opportunities

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. 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.

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. Our net worth ratio of $1,115 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 $48,970,524 in used vehicle loans and $32,401,272 in new vehicle loans already helping members get on the road. Whether it's financing for a brand-new model or a reliable used vehicle, our auto loans can make it happen.

Business Loans

For business owners in our community, our outstanding commercial loans totaling $53,349,558 provide the capital needed to grow and expand operations. Whether you're starting a new venture or looking to invest in equipment or real estate for your business, we have solutions designed specifically for you. At Heartland, we prioritize transparency and support throughout your borrowing experience. We invite you to reach out at 800-362-3944 during our operating hours (M-F 9:00 AM - 5:00 PM; Sat 9:00 AM - 12:00 PM) if you have questions about any of our loan products or would like assistance with the application process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us partner with you on your financial journey today!

Credit Lines

For those looking for additional financial flexibility, our credit lines totaling $132,765,568 allow you to access funds as needed without reapplying each time. This option is perfect for managing unexpected expenses or funding ongoing projects.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $36,769,966, make buying or refinancing simple. We offer various mortgage products that cater to different needs and budgets. If you're considering refinancing your existing mortgage, we can help streamline the process and explore eligibility options that may save you money.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $8,605,732 in loans helping members manage their finances effectively. These cards come with competitive interest rates and reward programs that can enhance your spending power while keeping your budget in check.

Loan Aggregator

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Heartland