Iowa Heartland Credit Union Mason City IA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Iowa Heartland Credit Union, your trusted financial partner located at 1602 S Monroe Ave, Mason City, IA 50401. Since our establishment in 1932, we have been dedicated to serving the community with a personal touch and reliable financial solutions. With a proud membership of 3,191 and total assets of $28,905,574, we are committed to fostering financial well-being for our members. At Iowa Heartland, we understand that every member's needs are unique. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or personal loans, our team is here to help you navigate your financial journey. We currently manage a robust loan portfolio with 924 loans and leases totaling over $14,988,671. Our dedication extends beyond just banking; we strive to make a positive impact in the lives of our members and the broader community. While members can visit us at 1602 S Monroe Ave, official correspondence should be sent to the same address as our mailing address is identical. Under the leadership of our CEO Tiara Schriever and Board President Scott Hand, our team of 6 employees works tirelessly to ensure you receive exceptional service every time you reach out. With total deposits amounting to $775,446 and net worth reaching $5,091,501, Iowa Heartland Credit Union stands strong in its commitment to providing valuable resources for all your financial needs. You can reach us at (641) 424-5391 during our operating hours: Monday & Wednesday from 8:00 AM - 6:00 PM, Tuesday & Friday from 8:00 AM - 5:00 PM, and Thursday from 9:00 AM - 5:00 PM. Explore more about what we offer by visiting us online at iowaheartland.org. Join us today and experience the difference that comes from being part of a credit union that truly cares about its members!

Branch History & Mission

Community Commitment

Our roots run deep in Mason City. We actively engage in partnerships and outreach efforts aimed at uplifting those around us. By supporting local initiatives and events, we reinforce our commitment not just as a financial institution but as an integral part of this community's fabric. As we look toward the future, we invite you to join us on this journey. Experience the benefits that come with being part of Iowa Heartland Credit Union a place where your financial goals are nurtured in an environment built on trust and collaboration. Together, let's build a stronger community! For any inquiries or if you're ready to become a member, please don't hesitate to reach out at 641-424-5391 or visit us at 1602 S Monroe Ave, Mason City, IA 50401. We look forward to welcoming you!

Our Mission

At Iowa Heartland Credit Union, our mission is clear: We strive to enhance the financial well-being of our members while fostering a sense of community. We offer a range of services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and credit cards with rewards. More than just banking, we aim to empower every member with tools and resources for better financial health. We also understand the importance of accessibility. That's why we offer convenient drive-thru banking services along with an ATM on-site for quick transactions. If you can't make it during regular hours Monday and Wednesday from 8 AM to 6 PM; Tuesday and Friday from 8 AM to 5 PM; and Thursday from 9 AM to 5 PM we encourage you to take advantage of our online banking services available through our website at iowaheartland.org.

Our Story

The journey of Iowa Heartland began with a simple yet powerful idea: to provide accessible financial services that cater to the needs of our community. From our humble beginnings, we have continuously adapted to meet the evolving needs of our members while maintaining our core values of integrity, service, and community focus. Today, we proudly manage total assets exceeding $28,905,574, reflecting our commitment to sound financial practices and responsible growth. Located at 1602 S Monroe Ave, just moments away from local landmarks like the beautiful East Park, we invite you to visit us and experience firsthand the dedication that drives our team. Whether you're looking for personal banking options or business solutions, we're here to help you navigate your financial journey.

Branch Location & Accessibility

Welcome to the Iowa Heartland Credit Union! Conveniently located at 1602 S Monroe Ave in Mason City, IA, our branch is here to serve you. Whether you're stopping by for a quick transaction or seeking advice on your financial needs, our friendly team is ready to assist. Our branch is easily accessible, with ample parking available for all members. For those who need assistance, we have ADA-compliant features including ramps and accessible entrances to ensure everyone can visit us comfortably. You'll find our branch near local landmarks that make it easy to find just a short drive from the bustling downtown area and close to several parks where families enjoy their weekends. We understand that your time is valuable, which is why we offer flexible operating hours: we're open Monday and Wednesday from 8:00 AM to 6:00 PM, Tuesday and Friday from 8:00 AM to 5:00 PM, and Thursday from 9:00 AM to 5:00 PM. This schedule allows you to choose the best time for your visit. For added convenience, we offer drive-thru banking services for quick deposits and withdrawals without leaving your vehicle. Plus, with our ATM available on-site, you can access your funds whenever you need them. While members can visit us at 1602 S Monroe Ave, official correspondence should be sent to the same address for consistency. If you have any questions or need assistance, feel free to give us a call at 641-424-5391. We invite you to come by and see how Iowa Heartland Credit Union can help with your personal banking needs from checking and savings accounts to auto loans and more. We look forward to welcoming you!

Member Eligibility

At Iowa Heartland, we believe that becoming a member is like joining a close-knit family where everyone supports each other's financial journey. To join us, you'll find that the eligibility criteria are quite welcoming. We invite individuals who live, work, worship, or attend school in Cerro Gordo County to become members. It's our way of fostering community and ensuring that our services truly meet the needs of those around us. Once you're part of our family, you can enjoy a range of benefits, from personal banking to auto loans and more. Getting started is easy! You can visit us at 1602 S Monroe Ave, Mason City, IA 50401, or give us a call at 641-424-5391 for more details. If you want to dive deeper into the specific eligibility requirements, feel free to check out our website at https://iowaheartland.org/ . We can't wait to welcome you into our vibrant community!

Business Banking & Commercial Services

At Iowa Heartland, we understand that every business has unique needs and challenges. Whether you're a startup or an established company, our business banking and commercial services are designed to support your growth and success. Imagine having the financial backing you need to expand your operations, hire more staff, or invest in new technology. Our commercial loan options can make this a reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Additionally, our merchant services simplify payment processing for your customers. Imagine a busy Saturday at your shop; with our easy-to-use solutions, you can accept payments quickly and securely, allowing you to focus on serving your clients. Visit us at 1602 S Monroe Ave Mason City Ia 50401 in Mason City, IA or call us at (641) 424-5391 to learn how we can help your business thrive!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

When it comes to purchasing a vehicle, we provide flexible auto loans and vehicle financing options. Imagine driving off in your dream car with an affordable monthly payment tailored just for you. Our loan specialists work with you to find the best financing plan that fits your budget.

Business Banking

For our business members, we offer comprehensive business banking services including merchant services and business loans. We know running a business comes with its challenges, and we're committed to helping you thrive by providing the financial support necessary for growth.

Credit Cards with Rewards

Our credit cards with rewards are perfect for those who want to earn benefits on their everyday purchases. Enjoy perks like cash back or travel rewards while using a card that suits your spending habits.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Iowa Heartland Credit Union offers robust online and mobile banking options. Check your balance, transfer funds, or pay bills anytime from anywhere using our user-friendly mobile app or website. Plus, with features like person-to-person payments and access to ATMs for cash withdrawals, managing your finances has never been easier.

Drive-Thru and ATM Services

For quick transactions, we have basic drive-thru banking available for deposits and withdrawals alongside easy access to our ATM services for balance checks and cash withdrawals. This makes it simple for you to get what you need without any hassle. At Iowa Heartland, we pride ourselves on being more than just a credit union; we are part of the community. If you're ready to explore how our services can benefit you, feel free to reach out! Call us at (641) 424-5391, visit us at 1602 S Monroe Ave Mason City Ia 50401, or check out our website at https://iowaheartland.org/ . Let us help you achieve your financial goals today!

Mortgage Loans & Refinancing

Are you thinking about buying a home or refinancing your current mortgage? Our mortgage loans are designed to make homeownership more achievable. We guide you through every step, ensuring that you understand the process and secure the best rates available.

Personal Banking

We understand that managing your money effectively is important. That's why we offer various personal banking services, including checking and savings accounts that can help you save for your future while keeping your funds accessible. Whether you're looking to set up a new account or manage existing ones, our friendly staff is here to assist.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses at us, but our personal loans and debt consolidation options can help alleviate financial stress. Whether it's for home repairs, medical bills, or consolidating existing debts into one manageable payment, we're here to support you.

Digital & Online Banking

Easy Online Access

With our 24/7 online banking services, you can check your balance, pay bills, and transfer funds with just a few clicks. Our user-friendly interface makes it simple for anyone to navigate, ensuring that you can find what you need quickly and efficiently. Plus, with e-statements available, you can say goodbye to paper clutter while keeping all your important documents right at your fingertips.

Mobile Banking Made Simple

For those who prefer banking on the go, our mobile application offers the same great features directly from your smartphone. You can enjoy mobile payments for quick transactions and even make person-to-person transfers with ease. Imagine sending money to friends or family in seconds no more waiting in line or writing checks!

Safety First

We prioritize your security. While we don't currently offer electronic signature authorization, our systems are designed to keep your personal information safe. Your data is protected with robust security measures so you can bank confidently. In short, whether you're logging in from a desktop or using our mobile app, Iowa Heartland is here to provide you with accessible and efficient banking solutions tailored just for you. Experience the freedom of managing your finances on your terms!

Financial Strength

Growing Together

Total Share Accounts stand at 4,799, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $21,650 further demonstrate our ability to support your financial needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Iowa Heartland is your trusted partner. Visit us at 1602 S Monroe Ave Mason City Ia 50401 or call (641) 424-5391 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

Members' savings are secured through $2,302,954 in share certificates and $500,069 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,492,000, 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 highlighted by our $149,384, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 6 full-time employees and 0 part-time employees who are dedicated to providing you with exceptional service.

Reinvesting in You

Our strong foundation is also evident in our $4,049,695 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $452 in used auto loans and $14,988,671 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Solid Financial Base

With a net worth of $5,091,501, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,761 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 provide some of the lowest rates in the industry. With over $5,806,375 in used vehicle loans and $2,020,862 in new vehicle loans already helping members get on the road, we are dedicated to making your vehicle financing experience smooth and affordable. We also offer refinancing options for existing auto loans to help you lower your monthly payments or take advantage of better rates.

Credit Lines and Personal Loans

For those looking for additional flexibility in managing finances, our total credit lines amount to $1,048,000. These lines can be accessed when needed and are designed to give you peace of mind knowing that funds are available for unexpected expenses or planned purchases. Additionally, our unsecured credit card loans provide flexible terms with a total of $0 currently issued; however, we are always here to discuss your personal loan needs. With a focus on providing clear and accessible lending options, Iowa Heartland is proud to support our members' financial journeys. 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 any questions or if you'd like to learn more about our loan offerings, feel free to reach us at 641-424-5391 or visit us at 1602 S Monroe Ave Mason City IA 50401. We're here to help!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $454,933, making buying or refinancing simple. We aim to assist you every step of the way with competitive rates and flexible terms that cater to your unique situation. If you're considering refinancing your current mortgage, we can guide you through the process to ensure you get the best deal possible.

Loan Aggregator

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IOWA HEARTLAND CREDIT UNION - Mason City, IA