Transfer a balance, save money, and earn rewards!
Save with 3.99% APR* for 12 months** on credit card balance transfers from other lenders. Also, earn 1 Rewards Point for every $1 transferred!
*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, 6.75% as of December 11, 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).
Click here to read the Mastercard Application & Solicitation Disclosure.
Rates
Mastercard Credit Card Rates
| Product | APR* as low as |
|---|---|
| Mastercard |
|
*APR is Annual Percentage Rate. Non-promotional current rates will be applied to all purchases and cash advances. This is a variable rate program. Rates are variable and tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of
All features
Online application
You can apply for a Mastercard credit card through our site in a matter of minutes.
Digital banking access
Manage your card balance, payments and view transactions anytime and anywhere using Heartland's digital banking.
Low transfer fee
You can transfer your balance of another card to a Mastercard credit card for a lower cost than other options.
Instant issue
You can instantly receive a replacement card at one of our branch locations if your card is lost or stolen.
Digital transaction alerts
You can turn on push, text, or email messages to alert you regarding payment due dates, recent charges, and more.
Cash advance
If you need cash in a pinch, you can access funds from this card's line of credit at an ATM or HCU branch.
Accepted worldwide
Wherever you may travel, rest assured that you can successfully make the purchases you need.
Apply for a Mastercard® credit card
https://heartlandcu.myori.com/app/ola/ola-consumer-loan-type
Download the app today
The SecurLOCK Equip mobile app is available on both the App Store and Google Play. Turn on automatic updates to ensure you have access to the latest features as they’re made available!
Download Card Suite Lite Mobile App
The Card Suite Lite mobile app is available on both Apple App Store and Google Play Store. Make sure you have automatic updates on to ensure you always have the latest version and features as they're made available.
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- Download the Card Suite Lite app
- Register your card(s)
- Take advantage of all the great features Card Suite Lite has to offer!
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File a Loan Protection Claim
Protection when it matters. We are here to help!
In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim for any of the following Payment Protection Products:
- Life
- Terminal Illness
- Accidental Dismemberment
- Hospitalization
- Family Medical Leave
- Loss of life of a Dependent
- Disability
- Involuntary Unemployment
To begin, please fill out a claim form HERE!
If you prefer, call 1.800.621.6323 to begin the process and a TruStage Claims Specialist will guide you through the process.
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