Buy or Refinance
and Get $100.

Move you current auto loan to Heartland or buy new and enjoy a low monthly payment. Plus, we’ll give you $100 for a little extra cash in your pocket. Click the learn more button for complete disclosures and details.

  • Convert?w=1800&h=540&fit=crop&align=faces&format=jpg&quality=70&compress=true

    You Could Win $1,000

    Use your Heartland Platinum Rewards or Signature Credit Card four times per week, now through December 13th, and you’ll automatically be entered to win $1,000. You’ll earn points and the chance at $1,000!


    Shorten Your Mortgage
    No Closing Costs

    Pay off your mortgage in 10 years with the Home Free
    Refinance. You’ll pay no closing costs+
    and enjoy a low fixed rate of 2.99% APR*


      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

      Heartland Board of Directors Election Results

      The nominees below were elected to serve the following terms on the Heartland Board of Directors.

      • Jeremy Hjelm (incumbent) – 3 year term
      • Gene Traxler (incumbent) – 3 year term
      • Kent Zimmer (incumbent) – 3 year term

      Heartland Annual Meeting Set for May 20

      This year’s annual meeting has been rescheduled to Wednesday, May 20 at 5 p.m. CT

      For the health and safety of our staff and members, this meeting will be conducted virtually through the Heartland Facebook page and via a conference call.

      “My loan was approved through Jennifer and she was amazing to work with! I needed to get a title to her and I wasn’t comfortable putting it in the mail. She let me bring it to the Land O’Lakes branch, which is closed due to COVID-19, and met me in the parking lot. So nice of her!”

      Susan | Andover, MN