Community-Focused Banking for Every Stage of Life

More Than Banking — Heartland Credit Union in Southern Wisconsin

Heartland Credit Union is more than a place to manage your money — we’re a partner in building stronger communities across southern Wisconsin. As a member-owned credit union, we reinvest in our neighbors through local loans, community programs, and financial education.

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Heartland Credit Union serves members across southern Wisconsin with community-focused banking, competitive rates, and in-branch support at 13 local branches. We partner with schools and community organizations, provide local decision-making for loans, and prioritize member value over shareholder profit. See why members in Madison, Verona, Oregon, DeForest, Dodgeville, Lancaster, and Platteville trust Heartland for checking, savings, and home loans.

FAQs

Learn more about why people love banking at Heartland.

Yes — Heartland has 13 branches in southern Wisconsin, offers community programs and local loan decisions, and serves the financial needs of more than 35,000 individuals and small businesses in the region.
Heartland Credit Union is member-owned, offers competitive rates on loans and savings, provides local decision-making, and invests in community programs that benefit southern Wisconsin residents.
Yes — Heartland provides business checking, loans, lines of credit, and merchant services designed specifically for local businesses in southern Wisconsin.
Yes — membership is open to individuals who live, work, worship, or attend school in southern Wisconsin, as well as immediate family members of current members.
Heartland Credit Union supports local schools, nonprofits, and economic development initiatives through sponsorships, volunteerism, and educational programs.

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As financial institutions go, HCU is tops in my book. I wouldn't be where I am today without them. At this point I know plenty of employees by name and they know me. I love it.

— Abraham W., Edgerton, Member Since 2008

Member owner

Credit unions are financial cooperatives which means that everyone who banks here is an owner!

Not for profit

Since credit unions are not-for-profit cooperatives, "profits" are returned to the membership via lower fees and loan rates as well as higher savings rates.

Community support

Active community support ensures that our neighbors live in thriving, growing neighborhoods. We donate to or volunteer at many area events.

Reach goals

Members get the support they need to reach their financial goals - buying a home, growing their farm business, buying a boat, saving for retirement, or starting a business. We'll help you get there.

Digital first

Manage your money with the latest digital tools and services.

Money matters make sense when you can easily keep track of your finances and get help via video or chat when you need it.

Digital banking Join Heartland

Save more

Save money just by banking at Heartland.

Heartland members save in many different ways. Not only do loans and credit cards have lower interest rates, but you can build up your savings with unique products like Round Up Savings or Saver's Sweepstakes.

Rates Join Heartland

A big thank you! Santino was superb to work with! He was able to help me fix my truck at a much lower rate than using my credit card.

— Curtis Z., Arena, member since 1989

How to open an account

It's quick and easy to open a new account at Heartland Credit Union. You can begin experiencing all the perks right away.

1
Apply online

Complete your online application in a matter of minutes.
2
Open your account

Once we approve your request, make an initial deposit and obtain a debit card to add to your digital wallet.
3
Manage accounts online

Using your computer or mobile device, it's easy to manage your account and deposit checks with digital banking.