Digital Banking

New Digital Banking Coming Soon!

One Login. One Platform. Coming November 17th. Discover new features, learn how to prepare and review important dates for this transition.

Click here.

Online banking and mobile banking are coming together in one convenient digital banking experience on November 17, 2026. No more separate platforms and separate sign-ons! Designed with you in mind, the new platform will make it easy to manage your accounts, move money, make payments, monitor activity and much more in a secure and convenient way anytime, anywhere.

Below you’ll find a checklist to prepare, important dates and answers to common questions to make the transition as smooth as possible. We’ll continue updating this page, so be sure to check back for the latest information. For any other questions, please reach out.

Your Digital Banking Checklist

Below we’ll walk you through what you can do now, what to expect, and how to log in for the first time. We also want to remind you to watch out for scams during this process. Fraudsters often try to take advantage during big updates at financial institutions. A reminder that we will NEVER contact you and ask for your account numbers, usernames, passwords, one-time passcodes, or Social Security number. When in doubt, hang up or delete the message, and contact us directly at 800.813.9185 or 651.451.5160

What You Can Do Today

Mobile-Only Users. If you only use the Mobile Banking app and don’t have an Online Banking Sign-On ID, you must contact us by November 12, 2026. Your current mobile banking login credentials won’t transfer to the new Digital Banking platform, and you’ll need our help setting up your access. You won’t be able to enroll yourself.
Verify your phone number(s) by November 12, 2026. To ensure a smooth first-time log in, it’s important we have your current phone numbers for authentication. You can provide your phone numbers by:
- Sending us a message via your Online Banking Account (Select Messages/Compose a Message) or Mobile Banking (Select the three-line menu item/messages/then the pencil icon).
- Call us at (651) 451-5160 or (800) 813-9185
- Visit a branch

Important Dates

Bill Pay will be unavailable starting Thursday, November 12, 2026 at 4:30 p.m. CT. Bill pay will be unavailable and removed from the current online banking while we begin the migration to the new platform. Your scheduled payments, payees and history will move to the new Bill Pay feature of digital banking and available to view on Tuesday, November 17, 2026. Payments scheduled for Monday, November 16th will process on Tuesday, November 17th. If you have a payment scheduled for Monday, November 16th you can log into your online banking before Thursday, November 12 at 4:30 p.m. and adjust the date.
Remote Deposit will be unavailable starting Thursday, November 12, 2026 at 6 p.m. CT. A new Remote Deposit feature will be available in the new “Heartland CU MN” app on Tuesday, November 17, 2026.
Online and Mobile Banking goes offline Friday, November 13, 2026 at 7 a.m. CT. Online and Mobile Banking will be unavailable as we begin the migration to the new platform.
The “Card Manager” app will be discontinued on Friday, November 13, 2026 at 7 a.m. CT. At that time, you will no longer receive alerts or notifications. Once the new Digital Banking system launches, you’ll be able to manage your credit and debit cards and set up alerts and notifications directly withing Digital Banking. No separate app or additional login required!
Your new mobile banking app will be available for download Monday, November 16, 2026. You can locate the app by searching for “Heartland CU MN” in your app store. The app icon will be the Heartland legacy logo in white on a blue background.
Your new Digital Banking is ready Tuesday, November 17, 2026 at 8:30 a.m. CT. Using the first-time login instructions provided via email, online banking inboxes and mobile banking inboxes, you may log in after 8:30 a.m. CT. Click the “Login” button on the homepage of this website or download the new mobile banking app.

A Better Digital Banking Experience

One Login

No more keeping track of separate online and mobile banking logins.
One Connected Experience

Access your accounts from your computer or mobile device and enjoy the same look and feel. One platform means a consistent experience wherever you bank.
Enhanced Security

Enhanced security, including multi-factor authentication, to help protect your information and accounts.

Access to the digital banking tools you rely on

Bill Pay

Pay bills conveniently from your digital banking.
eStatements

View your statements securely online.
Mobile Deposit

Deposit checks using your mobile device without visiting a branch.
Schedule Transfers

Schedule one-time or recurring transfers to help keep your finances on track
Alerts & Notifications

Set up notifications to stay informed about account activity.
External Transfers

Move money between your credit union accounts and your other financial institution accounts.

New features to explore

Certificate Maintenance

Manage eligible Certificates of Deposit online as they approach maturity.
Card Management

Manage your debit and credit cards directly within Digital Banking, no need for a separate app and login.
Quicken and QuickBooks

Export your account history in a format to import to Quicken or QuickBooks.
Personalized Account Page

Make your account page your own! Arrange accounts in the order that works for you and customize your greeting - because "Hey, Superstar" is way more fun.

Frequently Asked Questions

To provide you one single, unified platform for a better digital banking experience with improved functionality, enhanced security, easier navigation, and a more modern design.
No. This project began in February 2025, prior to the merger. We began this project to provide you with an improved digital banking experience, and because our current online banking system was being phased out.

In addition to providing you an improved digital banking experience, it just so happens that Novation legacy has been using, and continues to use, the same platform. When our systems come together later in 2027, you’ll already be familiar with the platform, helping make that transition a little easier!
The new and improved digital banking will launch Tuesday, November 17, 2026.
Yes, Online and Mobile Banking will be unavailable starting at 7 a.m. CT Friday, November 13, 2026 and the new Digital Banking will launch Tuesday, November 17th at 8:30 a.m. CT.
Digital banking is changing, but the same friendly staff are here to help! If you need account information or support during the downtime, call us during normal business hours at 651.451.5160 or 800.813.9185 or visit your local branch.

To avoid any interruptions to your banking needs, we recommend taking care of time-sensitive transactions before online and mobile banking become unavailable on Friday, November 13, at 7 a.m. CT.
No. You will enter “first-time” login credentials that will be provided to you. After that, you will be able to update your username and password for the new system.
- If you currently use our online banking, you’ll be provided your first-time login credentials before November 17, 2026 via email, online banking messages and mobile banking messages.
- If you only use the Mobile Banking app and don’t have an Online Banking Sign-On ID, you must contact us by November 12, 2026. Your current mobile banking login credentials won’t transfer to the new Digital Banking platform, and you’ll need our help setting up your access. You won’t be able to enroll yourself.
Internal and cross-account transfers will carry over to the new platform. Once you’ve logged in, we recommend reviewing your scheduled transfers to make sure everything looks correct.

Scheduled transfers between external accounts (sending or receiving transfers from accounts you have at other financial institutions) will not transfer. Don’t worry – you can easily set them up again in the new digital banking platform.
No. Transfers you set up to go to your other financial institutions will note carry over. You’ll need to set up your external accounts and transfers in the new digital banking.
Your account nicknames will carry over to the new Digital Banking platform. For security purposes, any full or partial account numbers included in your nicknames will be removed. Nicknames are also limited to 32 characters, so any longer nicknames will be shortened to fit.

Want to make changes? You can update your nicknames in your current Online Banking before the downtime begins on November 13, 2026.
Yes. A new app will be available to download, simply search for “Heartland CU MN” in your app store. The app icon will be the Heartland legacy logo in white on a blue background.
Yes. Your accounts, balances, and transaction history will transfer to the new platform.
No. Direct deposits will continue to be processed as normal and will not be affected by the digital banking upgrade.
Yes. Bill Pay payees, payment history, scheduled payments, and recurring payments will transfer to the new digital banking platform.

Once you’ve logged in, we recommend reviewing the bill pay feature to make sure everything looks correct.
Bill Pay will be unavailable starting Thursday, November 12, 2026 at 4:30 p.m. CT. Bill pay will be removed from the current online banking while we complete the migration to the new platform. Your scheduled payments, payees and history will move to the new Bill Pay feature of digital banking and available to view on Tuesday, November 17, 2026. Payments scheduled for Monday, November 16th will process on Tuesday, November 17th. If you have a payment scheduled for Monday, November 16th you can edit the payment date before November
Yes, as long as there is enough money in your account to make the payment on the scheduled date.

Please note that any scheduled payments for Monday, November 16th will process on Tuesday, November 17th. If you have a payment scheduled for Monday, November 16th you can log into your online banking before Thursday, November 12 at 4:30 p.m. and adjust the date.
Your linked external accounts will not transfer after the system upgrade. You will need to connect your external accounts after the system upgrade.
No. Credit and Debit card alerts and notifications you set up will stop on Friday, November 13, 2026 at 7 a.m. when the Card Manager app is discontinued. You will be able to set up new alerts and notifications from the new digital banking after the system upgrade. No more separate app to download for this feature!
The new Digital Banking platform will continue to use the Heartland legacy logo for now. Since Novation has an existing digital banking app, creating another app under the Novation name could cause confusion between Heartland and Novation legacy members. Keeping the Heartland legacy branding helps identify the correct app you should be using to manage your accounts until systems are combined.
Fraudsters often try to take advantage during big updates at financial institutions. A reminder that we will NEVER contact you and ask for your account numbers, usernames, passwords, one-time passcodes, or Social Security number. When in doubt, hang up or delete the message, and contact us directly at 800.813.9185 or 651.451.5160

Certificates of Deposit

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Rates Effective as of: 10-23-2026

Certificate of Deposit+ (Minimum opening deposit of $500)

Terms	Dividend Rate	APY*
6 Months	1.74%	1.75%
7 Month Special**	3.93%	4.00%
12 Months	2.23%	2.25%
18 Months	2.23%	2.25%
24 Months	1.99%	2.00%
36 Months	1.99%	2.00%
48 Months	2.23%	2.25%
60 Months	2.23%	2.25%

*APY is annual percentage yield. Rates quoted are in effect 10/1/2026 and are subject to change. Any early withdrawal penalty may reduce earnings on certificates.

+Compounding Frequency. For all term share certificates offered, the dividends will be compounded and credited to your account every quarter and at maturity. Average Daily Balance Computation Method. Dividends are calculated by the daily balance method, which applies a daily periodic rate to your balance each day. Withdrawal of Dividends Prior to Maturity. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal may reduce earnings. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

**7 Month CD Special: Rate effective 10/21/2026. At maturity, the balance of the certificate will automatically roll into a 6 month term certificate at the current rate at that time. Offer subject to change.

Money Market/Business Money Market

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Rates Effective as of: 10-23-2026

Money Market/Business Money Market

Money Market/Business Money Market	Dividend	APY*
$0.01 - $9,999.99	0.10%	0.10%
$10,000 – $49,999.99	0.25%	0.25%
$50,000 – $99,999.99	0.40%	0.40%
$100,000+	0.50%	0.50%

*APY is annual percentage yield. Rates quoted are in effect 10/1/2026 and are subject to change.

Dividends are compounded and paid monthly.
Dividends calculated by the average daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.

IRA and Coverdell Savings

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Rates Effective as of: 10-23-2026

IRA and Coverdell Savings ($50 to open)

IRA and Coverdell Savings ($50 to open)	Dividend	APY*
$0.01 – $2,499.99	0.05%	0.05%
$2,500 – $9,999.99	0.05%	0.05%
$10,000 +	0.05%	0.05%

*APY is annual percentage yield. Rates quoted are in effect 1/1/2026 and are subject to change. If interest is paid to another account, APY may vary.
Dividends are compounded and paid monthly.
Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.

Basic Savings Accounts

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Rates Effective as of: 10-23-2026

Basic Savings Accounts

Basic Savings Accounts	Dividened	APY*
Primary Savings (Required for membership. $5 min. to open)	0.05%	0.05%
Business Savings ($5 min to open)	0.05%	0.05%
Youth Savings ($5 min to open) Up to $10,000	2.52%	2.55%
Secondary Savings Accounts ($5 min. to open)	0.05%	0.05%
High-Yield Savings $0.01-$9,999.99	0.75%	0.75%
High-Yield Savings -$10,000+	2.52%	2.55%

*APY is annual percentage yield. Rates quoted are in effect 10/1/2026 and are subject to change.

Business Checking

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Rates Effective as of: 10-23-2026

Business Checking Rates

Business Checking +*	Dividend	APY**
$0.01-$2,499.99	0.05%	0.05%
$2,500	0.05%	0.05%

* $30 min. to open

+ Checking Accounts: Dividends are compounded and paid monthly. Dividends calculated by the average daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.

**APY is annual percentage yield. Rates quoted are in effect 10/1/2026 and are subject to change.

Incentive Checking Rates

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Rates Effective as of: 10-23-2026

Incentive Checking Rates

Incentive Checking*	Dividend	APY**
Up to $20,000 (requirements met)	1.74%	1.75%
$20,000+ (requirements met)	0.05%	0.05%
$0.01+ (requirements not met)	0.00%	0.00%

* To receive dividends the following requirements must be met per month: (1) one payroll direct deposit of $250 or more, (2) enrolled in eStatements with a valid email address and (3) 12 Novation debit OR credit card purchase transactions that must average at least $5, excluding cash advances, ATM transactions, returned purchases, disputed or unauthorized/fraudulent transactions, or fees caused by check card use. Debit and credit card transactions CANNOT be combined to meet the 12 transactions minimum. Accounts that meet the requirements will earn tiered dividends—a higher rate on balances up to $20,000 and a lower rate on balances exceeding $20,000. No dividends earned if requirements are not met. Incentive Checking rates and program subject to change.

Checking Accounts: Dividends are compounded and paid monthly. Dividends calculated by the average daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.

**APY is annual percentage yield. Rates quoted are in effect 10/1/2026 and are subject to change.

Free 55 Checking

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Rates Effective as of: 10-23-2026

Free 55 Checking Rates

Free 55 Checking +*	Dividend	APY**
$0.01 – $2,499.99	0.05%	0.05%
$2,500 +	0.05%	0.05%

*$30 min. to open'

+ Checking Accounts: Dividends are compounded and paid monthly. Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.

**APY is annual percentage yield. Rates quoted are in effect 6/1/2026 and are subject to change. If interest is paid to another account, APY may vary.

Recreational Vehicle Loans

Includes RVs, Boats, ATVs, Motorcycles, Ice Houses etc.

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Rates Effective as of: 10-23-2026

Recreational Vehicle Loans

Type	Model Year	APR* (as low as)	Term
New & Used Recreational Vehicles*** RV, Ice House, Boat, Motorcycle, ATVs, Snowmobiles, Jet Ski	2021-2026	6.55%	Up to 84 Months
New and Used Recreational *** RV, Ice House, Trailer, Boat, Motorcycle, ATVs, Snowmobiles, Jet Ski	2021-2026	7.30%	85-180 Months
Older Recreational Vehicles*** RV, Ice House, Trailer, Boat, Motorcycle, ATVs, Snowmobiles, Jet Ski	2020 and older	7.55%	Up to 84 Months
Older Recreational Vehicles*** RV, Ice House, Trailer, Boat, Motorcycle, ATVs, Snowmobiles, Jet Ski	2020 and older	8.30%	85-180 Months

*APR = Annual Percent Rate. APRs are the lowest rates available and are not guaranteed. Your actual APR and term will be determined based on creditworthiness, collateral, loan amount, loan-to-value ratio, term, and other underwriting criteria. Maximum rate will not exceed 18% APR.

***Rates may vary based upon credit history. Other terms are available. Please contact us for details regarding how your rate and term is determined.

Home Improvement Loans

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Rates Effective as of: 10-23-2026

Home Improvement Loans

Type	APR*(as low as)	Term
Home Improvement+* (Secured) – Max loan amt. $100,000	10.49%	Up to 5 years
Home Improvement+* (Secured) – Max loan amt. $100,000	10.79%	Up to 8 years
Home Improvement+* (Secured) – Max loan amt. $100,000	10.99%	Up to 10 years
Home Improvement+* (Secured) – Max loan amt. $100,000	11.29%	Up to 15 years
Home Improvement+* (Unsecured) – Max loan amt. $7,500	11.49%	Up to 5 years
Home Improvement+* (Unsecured) – Max loan amt. $7,500	11.99%	Up to 10 years

*APR is annual percentage rate. These rates are in effect as of 6/1/2026 and are subject to change.

+*Home Improvement Loan (Unsecured) – Rate effective 6/1/2026 and subject to change without notice. Payment on a 5 year term at 11.49% APR is $21.99 per $1,000 borrowed. Not all applicants will qualify for a Home Improvement (Unsecured) Loan. Rate varies based on credit history. Improvements must be made on Primary Home and copies of bid and/or receipts are required. Consult a tax advisor for information regarding the deductibility of interest and charges. Loan amounts up to $7,500. Term up to 10 years.

+*Home Improvement Loan (Secured) – Rate effective 6/1/2026 and subject to change without notice. Payment on a 15 year term at 11.29% APR is $115.49 per $10,000 borrowed. Not all applicants will qualify for a Home Improvement (Secured) Loan. Rate varies based on credit history. Improvements must be made on Primary Home (mobile homes do not qualify) and copies of bid and/or receipts are required. Consult a tax advisor for information regarding the deductibility of interest and charges. Loan amounts up to $100,000. Term up to 15 years. Minnesota and Wisconsin properties only. Closing costs do apply. LTV up to 133%.

Personal Loans

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Rates Effective as of: 10-23-2026

Personal Loans

Type	APR* (as low as)	Terms
Lifestyle Loan***	As low as 11.49%	Up to 60 Months
Share Secured (minimum rate 3.50%)	3.00% over share rate	Up to 60 Months
CD Secured (minimum rate 3.50%)	3.00% over CD rate	Up to 60 Months
Line of Credit	12.50%	Revolving Line

*APR is annual percentage rate. These rates are in effect as of 10/1/2026 and are subject to change.

***Rates may vary based upon credit history. Other terms are available. Please contact us for details regarding how your rate and term is determined.

Home Free Loans

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Rates Effective as of: 10-23-2026

Home Free

Type	APR*(as low as)	Terms
Home Free – No Closing Costs+++	6.49%	10 years
Home Free+**	6.99%	15 years

Financing available on owner occupied residences in Minnesota and Wisconsin only.

*APR is annual percentage rate. These rates are in effect as of 6/1/2026 and are subject to change. Rates may vary based on credit history.

+++Home Free 10 year: Loans paid off within the first year are required to repay closing costs. Fees may apply to ensure Heartland’s title position. Mortgage must be in the first position in the chain of title. Property insurance required. Consult a tax advisor for information regarding the deductibility of interest and charges. Heartland does not escrow for taxes and insurance. Loan amounts from $50,000 – $400,000

+**Home Free 15 year: Fees may apply to ensure Heartland’s title position. Mortgage must be in the first position in the chain of title. Property insurance required. Consult a tax advisor for information regarding the deductibility of interest and charges. Heartland does not escrow for taxes and insurance. Loan amounts from $50,000 – $400,000. Closing costs: $499 for loans $50,000-$100,000. $999 for loans $100,001 – $400,000. Max loan amount $400,000.

Credit Cards

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Rates Effective as of: 10-23-2026

Credit Cards

Type	APR*	Terms
Visa Platinum+++++	10.90%-14.90% APR*	Revolving Line
Visa Platinum Rewards+++++	11.90%-15.90% APR*	Revolving Line
Visa Signature+++++	13.90%-17.90% APR*	Revolving Line

* APR = Annual Percent Rate. APRs are the lowest rates available and are not guaranteed. Your actual APR and term will be determined based on creditworthiness, collateral, loan amount, loan-to-value ratio, term, and other underwriting criteria. Maximum rate will not exceed 18% APR.

+++++ Foreign Transaction Fee: 1.00% of the U.S. dollar amount of each foreign transaction. APRs are based on creditworthiness and the card product selected. See current Visa Credit Card rates above.

Home Equity Loans

Home Equity Closed End Loan – 80% LTV

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Rates Effective as of: 10-23-2026

Home Equity Closed End Loan – 80% LTV

Type	APR (as low as)*	Terms
Home Equity Closed End***	5.49%	Up to 60 months
Home Equity Closed End***	5.99%	61-120 Months
Home Equity Closed End***	6.49%	121-180 Months

***Rates may vary based upon credit history. Other terms are available. Please contact us for details regarding how your rate and term is determined.

Home Equity Closed End Loan – 90% LTV

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Rates Effective as of: 10-23-2026

Home Equity Closed End Loan – 90% LTV

Type	APR (as low as)*	Terms
Home Equity Closed End***	7.19%	Up to 60 months
Home Equity Closed End***	7.69%	61-120 months
Home Equity Closed End***	8.19%	121-180 months

***Rates may vary based upon credit history. Other terms are available. Please contact us for details regarding how your rate and term is determined.

Home Equity Line of Credit – Open End

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Rates Effective as of: 10-23-2026

Home Equity Line of Credit – Open End

Type	APR* (Variable Rate)	Terms
HELOC – Up to 80% LTV**	7.00%	Revolving Line
HELOC – Up to 90% LTV**	7.75%	Revolving Line

**Home Equity Line of Credit: The APR is variable Prime Rate published in the Wall Street Journal plus an applicable margin. The margin is determined based on creditworthiness and loan-to-value ratio. The maximum APR is 18.00%. Other fees or closing costs may apply.

Auto Loans

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Rates Effective as of: 10-23-2026

Vehicle Loans

Type	Model Year	APR*(as low as)	Terms
New & Used Vehicle***	2021 and Newer	4.49%	Up to 36 Months
New & Used Vehicle***	2021 and Newer	4.99%	37-60 Months
New & Used Vehicle***	2021 and Newer	5.24%	61-72 Months
New & Used Vehicle***	2021 and Newer	5.49%	73 to 84 Months - min. $25,000
Older Vehicle***	2020 and Older	4.99%	Up to 36 Months
Older Vehicle***	2020 and Older	5.49%	37-60 Months
Older Vehicle***	2020 and Older	5.99%	61-72 Months - min $20,000

Auto loan payment example: A $1,000 loan financed for 60 months at 4.99% APR would require 60 monthly payments of approximately $18.87. Actual payment and APR may vary based on creditworthiness, loan amount, vehicle, term, and other underwriting factors.

Credit Card Agreement Request

Company
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Full Name*
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Estimate Your Earnings

Final Balance

Contributions: | Earnings:

Initial Deposit

APY*

Monthly Contribution

Term (Months)

6 7 12 18 24 36 48 60

Student Loans

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Rates Effective as of: 10-23-2026

Student Loans

Type	APR* (as low as)	Term
Private Student Loans - up to $75,000	8.75%	5 year draw
Student Loan Refinancing Fixed *^	4.95%	5 year
Student Loan Refinancing Fixed *^	5.95%	10 year
Student Loan Refinancing Fixed *^	6.95%	15 year
Student Loan Refinancing Variable*^	8.50%	15 year

*^Rates listed include 0.25% discount for automatic payments.

Youth Checking

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Rates Effective as of: 10-23-2026

Youth Checking Rates

Youth Checking (for members under 18)**	Dividend	APY+
Up to $5,000	1.49%	1.50%

** To receive dividends, you must (1) have access to online banking, and (2) provide a valid email address.

+APY is annual percentage yield. Rates quoted are in effect 10/1/2026 and are subject to change.

Your Digital Banking Checklist

What You Can Do Today

Important Dates

A Better Digital Banking Experience

One Login

One Connected Experience

Enhanced Security

Access to the digital banking tools you rely on

Bill Pay

eStatements

Mobile Deposit

Schedule Transfers

Alerts & Notifications

External Transfers

New features to explore

Certificate Maintenance

Card Management

Quicken and QuickBooks

Personalized Account Page

Frequently Asked Questions