Breathe a little easier.

Transfer your balance and save - 3.99% APR* for 12 months**

By moving your higher-interest credit card balances to a Heartland credit card, you may be able to reduce interest costs and streamline your monthly payments—making your debt easier to manage.

Balance transfer special offer Already have a card? Request transfer now

*APR is Annual Percentage Rate. Offer ends February 28, 2026. Non-promotional current rates will be applied to all purchases and cash advances. As of January 1, 2026 the
APR is as low as 12.00% and as high as 18.00%. Your actual rate is based on credit history. This APR is variable based on the current Prime Rate, 7.00% as of November 1,
2025. Payments shall be applied to the balance with the highest interest rate first. Offer applies only to consumer credit cards, business credit cards do not qualify. Normal
credit granting standards apply.
**After the introductory period, non-promotional current rates (stated above) apply. By accepting this offer, you authorize us to obtain credit reports and make any inquiries
deemed appropriate and to tell others about our credit experience with you. Verification of income and other information or supporting documentation may be required to
complete application processing. Visit www.heartlandcu.org to verify rates, terms and fees. This offer cannot be used to pay off another Heartland Credit Union loan. A 2%
balance transfer fee applies (minimum $10). Federally insured by NCUA.

PROD NAME

999 Lifetime Savings:

: 0.0%

avg: 0.0%

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Source: Datatrac

APY = Annual Percentage Yield, APR = Annual Percentage Rate

Empowering you to achieve your financial dreams, one step at a time

Round Up Savings

We’re more than your local credit union—we make saving easy with every debit card purchase.

Home Equity Loans

We offer competitive-rate second mortgages to help make life a little easier.

Certificate Special

Earn more with a 7 or 14 month special rate certificate! The high dividend rate (up to 3.95% APY*) helps grow your savings faster.

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Auto Loan

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5 YR ARM

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Certificates

earn up to

% APY

Unlock your dream home with a free mortgage pre-approval letter

When you're pre-approved for a mortgage, sellers and real estate agents take you more seriously. Get started online today.

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Welcome to Heartland Credit Union

We're so glad you found us!

At Heartland Credit Union, you can find savings accounts and certificates to help build and manage your wealth. You can also secure affordable home, car, and business loans. Money matters make sense when you have the digital tools to manage your accounts whenever, wherever you are. So what are you waiting for? Hone, reach, and exceed your financial goals and dreams with the premier Wisconsin credit union today!

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Our rep was very friendly, knowledgeable, and nice to chat with. She did a great job with both signing up for our mortgage and account.

— Nancy P., Des Moines, IA, member since 2024