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Tax Information

It's tax time! Most tax forms will be available by January 31st. In order to best serve our members, we've compiled some commonly requested information.

Tax Forms

Form Name

Details

Location

Available by

December Statement

December statements show YTD interest earned and paid on all accounts, opened and closed in 2025.

eDocuments>Statements/Documents>Statements

January 7th

1098

Home equity or mortgage loan interest Paid. Only generated for $600 or more interest paid.

Mortgages serviced by Midwest Loan Services will come directly from Midwest or can be viewed within your Midwest Loan Services login. Home Equity loans, and other mortgages, serviced by Heartland Credit Union can be found in eDocuments>Statements/Documents>Tax Forms

January 31st

1099-INT

Dividends earned on deposit accounts. Only generated for $10 or more earned.

eDocuments>Statements/Documents>Tax Forms

January 31st

1099-R

IRA distributions

eDocuments>Statements/Documents>Tax Forms

January 31st

1099-SA

HSA distributions

eDocuments>Statements/Documents>Tax Forms

January 31st

1099-Q

Coverdell account distributions

eDocuments>Statements/Documents>Tax Forms

January 31st

IRA FMV

IRA fair market value and upcoming required minimum distribution (if any)

eDocuments>Statements/Documents>Tax Forms

January 31st

5498

IRA contributions and rollovers

eDocuments>Statements/Documents>Tax Forms

May 31st

5498-SA

HSA contributions and rollovers

eDocuments>Statements/Documents>Tax Forms

May 31st

5498-ESA

Coverdell educational savings account contributions and rollovers

eDocuments>Statements/Documents>Tax Forms

May 31st

The availability date for online forms may vary from the mailed-by date listed above. Although we strive to provide your interest statements online, certain unique circumstances may prevent us from loading the notice into Digital Banking, making it inaccessible for online viewing. If you prefer a paperless approach for tax statements and forms, we encourage you to enroll in Digital Banking.

Accessing Tax Forms

Tax forms and statements are always accessible through digital banking via desktop browser or the Heartland Credit Union Mobile App. To view your forms you will need to subscribe to eDocuments.

Login Download Mobile App

Direct Deposit Your Refund

You will need your full Heartland Credit Union account number along with our routing number in order to setup direct deposit.

HCU Routing Number: 275978886

You can find your full ACH account number in digital banking or mobile app

Find My Account Number

Tax Season FAQs

The principal balance reflected on your 1098 is the principal balance at the beginning of the year, or the original loan amount if your loan originated last year. It is not the principal balance at the end of the year.
You can access your 1098 tax form within Digital Banking or the mobile app.

First Mortgages serviced by Midwest Loan Services, can be accessed by logging in to your Midwest account via desktop browser or their mobile app.

Midwest Loan Services Login

For mortgages and equity loans serviced by Heartland, Find your tax documents in Digital Banking by hovering over “Accounts” in the top navigation, clicking on “Statements and Documents” and then clicking on the “Tax Forms” tab.
Members who earned more than $10.00 of interest during the year will receive a 1099 form. These forms are postmarked by January 31 of each year.

If you are registered for eDocuments, you can obtain a duplicate copy via Digital Banking by clicking on “eDocuments” then Statements/Documents then by clicking on the “Tax Forms” tab.
Heartland’s Federal Tax ID number is: 39-0716655