Tired of
Credit Card Debt?

Move your high-rate credit card balances to a Heartland Visa and pay off your debt faster. Now through September 15, you’ll enjoy an introductory rate of 2.9% APR for 12 months on your balances transferred. Click the Learn More button for complete details and disclosures.


Win a Shopping Spree

Register today, then use your Heartland Visa Platinum Rewards or Signature card three times per week, now thru September 9th, for a chance to win an all-expense paid trip to Chicago and a 60-second shopping spree in the rewards warehouse.

Magic Minute

Signature Loan

Borrow $500 to $5,000 and take a dream vacation or upgrade your patio for grilling season with rates as low as 6.9% APR for 18 months. Offer ends August 31. Click the learn more for complete disclosures and details.


$500 Closing Cost Discount

Ready to purchase or refinance? Apply for a Heartland Mortgage by August 31 and you’ll save $500 on your closing costs.
Click the learn more button for complete details and disclosures.


    Online Banking


    Auto HELOC Visa Mortgage
    APR as low as APR as low as APR as low as
    2.69% 3.99% 8.90% Call for current rates.
    2 yr term Up to 5 yr term

    See All Rates >>

    APR = Annual Percentage Rate
    Auto loan rates include a .25% discount for autopay from a Heartland Checking account or payroll deduction. Visa rates are variable and subject to change semi-annually and based on credit history.

    Applications and Forms

    Access a variety of Heartland applications and forms.

    Join Today

    Membership is open to Dakota, Scott, Rice, Le Sueur, Carver, Hennepin, Ramsey and Washington, MN counties. Plus, to the employees and retirees of a variety of companies. Learn more and join today.

    Apply Now

    Apply for a loan, credit card or transfer a credit card balance in minutes using our secure online applications.


    Learn about our community involvement, financial education and more.

    What's New

    Heartland Board Member Receives CU Builder Award

    The Minnesota Credit Foundation and Heartland is proud to recognize Randy Nelson, former Heartland board member, as a Credit Union Builder. Created in 2008, the Credit Union Builder Award honors an individual’s dedication to the success, growth, and vitality of the not-for-profit financial movement in Minnesota.

    2018 Heartland Scholarships Awarded

    Congratulations to the following members for being awarded this year’s Heartland Scholarships:

    $1,000 Winner: Dusty from Othello, WA (shown in photo)
    $500 Winner: Tyler from New Prague, MN
    $500 Winner: Mary from Indianapolis, IN

    Heartland Member Awarded MNCU Foundation Scholarship

    We are proud to announce Heartland member Abigail TeschendorfName of Lino Lakes, MN has won a $1,000 Scholarship from the Minnesota Credit Union Foundation Scholarship Council (FSC). A total of $20,000 was awarded to 14 credit union members in Minnesota.

    “Patty is wonderful. This is the 4th auto loan she has helped us with. The rates as well as the service we receive are top notch!”

    Shannon | New Prague, MN

    View all testimonials