90 Days. No Payments.

During these uncertain times we’d like to help give you some financial relief on Auto and Signature Loans. Click the learn more for details.


Free Up
Your Budget

Pay off your high-rate credit card balances and save. Now through March 31, you can take advantage of an introductory rate of 2.9% APR for 12 months on your balances transferred – giving you the ability to pay off your debt and save on interest. Click the Learn More button for complete details, disclosures and to transfer in minutes.


Get Your Taxes Done
And Save

Save up to $15 on TurboTax federal products.


    Online Banking


    Auto HELOC Visa Mortgage
    APR as low as APR as low as APR as low as
    2.99% 4.09% 8.90% Call for current rates.
    2 yr term Up to 5 yr term

    See All Rates >>

    APR = Annual Percentage Rate
    Auto loan rates include a .25% discount for autopay from a Heartland Checking account or payroll deduction. Visa rates are variable and subject to change semi-annually and based on credit history.

    Applications and Forms

    Access a variety of Heartland Credit Union applications and forms.

    Join Today

    Credit Union Membership is open to Dakota, Scott, Rice, Le Sueur, Carver, Hennepin, Ramsey and Washington, MN counties. Plus, to the employees and retirees of a variety of companies. Learn more and join today.

    Apply Now

    Apply for a loan, credit card or transfer a credit card balance in minutes using our secure online applications.


    Learn about your credit union’s community involvement, financial education and more.

    What's New

    Coronavirus (COVID-19) Information

    As the number of COVID-19 cases increase, we want to assure you that the safety of our members and our employees is a top priority.

    In response to the recent developments, we have implemented additional precautionary measures and would like to share those with you.

    Home Buyers Happy Hour Event

    Thinking about buying a home? Join our experts on March 9th at Union 32 Craft House in Eagan, MN in a fun, casual setting to learn all about the process and ask any questions you have.

    Learn more and RSVP today.

    “I have been off from work due to illness and was not able to make my loan payments. Vanessa has helped me out with modifications to my loans so that I don’t end up going into default. I sincerely appreciate your efforts!!!!”

    William | South St. Paul, MN

    View all testimonials