Enjoy the Outdoors

Get the toy you want. Boats, ATVs, motorcycles and more. Plus, enjoy rates as low as 3.49% APR for a 3, 4 or 5 year term. Offer ends August 31. Click the learn more button for complete details and disclosures.


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*


Buy or Refinance
90 Days Payment Free.

Refinance your current auto loan and save or buy new. Your first payment won’t be due for 90 days and you’ll save with a low competitive rate. Click the learn more for details.


    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