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+


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.


    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.

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    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.

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    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.

    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.

    “As soon as I was laid off due to Covid-19 I contacted Heartland, where I have two vehicles loans. They worked with me immediately and gave me 3 months where I didn’t have to make any payments! What a huge relief and help they were! Love my Heartland Credit Union! P.S. They have some of the lowest interest rates available! Check them out today!

    Vicki | Lino Lakes, MN

    View all testimonials