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St. Mary's & Affiliates Credit Union Members

Welcome to Heartland! Below please find up-to-date information about the merger and answers to your questions.

SMACU Merger With Heartland Credit Union

Heartland Credit Union is excited to welcome the members of St. Mary’s & Affiliates Credit Union (SMACU). Together, we can do so much more while continuing to bring value to all our members.

On November 1, we will be combining systems which is when SMACU member accounts will switch to Heartland Credit Union. We will communicate clearly, everything you need to know regarding actions you will need to take. As we go through this process together, know that we are here for YOU and will help along the way.

What stays the same until November 1?

- Continue to transact business as you always have. There are no changes to your account number, debit card, online banking, bill pay, ACH transactions, or SMACU checks.
- Continue to use the same routing number #275979021 and your SMACU account number for direct deposits and withdrawals.
- Continue to log in to for online banking services and use the same mobile app and mobile deposit.
- Continue to use SMACU branches.
- Contact us by calling our Madison office at (608) 258-5062 or send us a message via our website.
- There will be no immediate changes to your credit card. You may continue to use your cards as you currently do.

Looking Forward

Delivering exceptional service to members is our top priority and everything will be done to ensure your experience with this change is as seamless as possible. Watch your mail and email, and this web page for the most up-to-date information and frequently asked questions.

We look forward to this exciting future direction and the benefits it will bring to members like you!


  • SMACU and Heartland Credit Union (HCU) have agreed to merge becasue it is increasingly difficult for smaller credit unions to remain viable in today’s environment. Joining Heartland will give our members the tools, products, and resources members expect. The SMACU membership voted to approve the merger in June and July 2023.

  • The creadit union will opperate unter the name Heartland Credit Union and Heartland’s Angela Hanson will be the CEO of the combined credit union.

    • The merger allows the continuation of our locally owned and operated financial cooperative.
    • It will bring added resources to offer greater levels of members service, value, and convenience.
    • Members will have access to cutting-edge technologies as well as new products and services.
    • There will be an additional 11 branch locations to serve you.
  • All staff will be retained and will have greater opportunities to expand their careers and all current SMACU branches will remain open.

  • Everything will be transferred to HCU on November 1st, 2023. For all the details read the Welcome Guide.

  • As we worked on the data conversion process, we determined which account numbers will be affected with the merger. Those affected members have received a mail communication. If you did not receive a letter from Heartland about this, your member number is staying the same.

    For those whose member number is changing but have lost your letter you can contact us at 608-258-5062 with questions. You may continue to use your current SMACU checks until you run out, at which time please order new checks using your new account number. Note that CURRENT direct deposits or automatic payments that are set up on your account(s) will reroute to your new member number.

  • Yes, both credit unions are insured by the National Credit Union Administration (NCUA) and deposits are insured up to at least $250,000 per individual.

    • Existing terms and rates for loans and certificates will not change.
    • Both credit unions will be aligning pricing, including all rates and fees.
  • No. This decision is in our members’ best interest, giving us the ability to bring more value to those we serve.

  • Members should continue to login using their eZcard account information.  From here they can access and pay their SMACU Credit Cards.

    Login to eZCard now!