Shorten Your Mortgage
No Closing Costs

Pay down your mortgage in 10 years with the Home Free
Refinance. You’ll enjoy a low fixed 2.99% APR*
plus, you’ll pay $0 in closing costs+


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 July 31. Click the learn more button for complete details and disclosures.


90 Days No Payments.
Low Rate.

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.


    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.

    “I am so grateful that you prevented me from getting an overdraft fee because of the overdraft protection set up on my account to transfer funds from my other accounts. You are an amazing financial. Keep up the good work!”

    John | Waite Park, MN

    View all testimonials