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Frequently Asked Questions

Auto Loans

  • You can apply online, by calling us at (651) 451-5160 or (800) 813-9185 or by visiting a branch. We will need your original title, payoff information on your existing loan and your insurance information.
  • Yes. If you set up your payments to automatically come from your Heartland Checking account you'll receive a .25% discount on your loan rate.
  • You can make your loan payments through Online Banking, Mobile Banking, Automatic Payments, check or by calling us to transfer a payment from your Heartland account at (651) 451-5160 or (800) 813-9185. We cannot make payments for you from another financial.
  • You can pay off your auto loan at anytime without any fees.
  • Typically pre-approvals last up to 90 days
  • It is beneficial to get pre-approved before you go shopping. If an application requires certain stipulations such as a limited loan-to-value or a maximum loan amount, it is better to know that information prior to shopping. Plus, you'll have an estimate of your loan payment for budgeting and when you find the vehicle you want you can purchase it faster.
  • We can deposit the funds to your Heartland account, provide an official check or wire funds out.
  • You could be approved the same day if you meet our credit criteria and funds would be available the same day. If your application needs to be reviewed further by an underwriter, you should receive a decision within the same day or following day. If you've applied and you do not meet our criteria, you will be notified of a decision on your application within two business days.

Automatic Savings

  • You must set up a minimum monthly deposit of $10 via an automatic method. Automatic methods include: Direct Deposit, Payroll Deduction, ACH or Automatic Transfer between your Heartland Accounts.
  • Yes. You can make additional deposits at anytime.
  • Yes. The Automatic Savings is set up to help you stick to your savings goals so you are allowed one free withdrawal per month. Additional withdrawals will incur a fee. View current Personal Account fees.
  • We serve 10 Minnesota Counties: Anoka, Carver, Chisago, Dakota, Scott, Rice, Le Sueur, Hennepin, Ramsey and Washington. In addition, we serve the employees and retirees from a variety of businesses. Plus, if you're related to a Heartland member you can join. Learn More to see if you're eligible.
  • No.

Balance Transfer

  • If you don't currently have a Heartland credit card, opening a new one to transfer a balance to does create a “hard inquiry” on your credit report, which might lower your score at least for a little while. However, if the balance transfer is lowering the amount of interest you're paying each month and allowing you to pay more of your balance that is a good way to improve your credit.
  • You may or may not be required to close your other credit cards, depending on your financial situation. Our loan officers will discuss this with you and  your options.
  • Balance transfers can take up to 10 business days to be completed.
  • You can transfer balances from other credit cards, personal loans, student loans and auto loans. You will not be able to transfer a balance from a current Heartland account.
  • You can transfer up to the approved available limit on your credit card. For example, if you were approved for a $5,000 credit limit and you don't have a balance on the card you can transfer $5,000. If you have a $2,000 balance, you can only transfer $3,000 because that's what you have left of your available limit.

Bill Pay

  • You can pay anyone, from your mobile phone provider to your sister. A variety of popular companies are preloaded to choose from, but you also have the ability to add who you need to pay. When paying a person, such as your daycare provider, a check will be mailed to them. Larger businesses and companies are normally paid electronically.
  • No. It's comes free with your Online Banking Account.

business cd

  • CD accounts offer terms, from six months to five years and your rate is fixed for the term of the certificate. The longer the term the higher the rate.
  • The Marketwatcher option allows you to increase your rate during the term one time to the current Heartland rate (not another financial's rate) by notifying us and adding $1,000 to your certificate. Your maturity date will remain the same and you will earn the higher rate for the remaining certificate term.
  • No. Withdrawals are allowed, but they come with a penalty. Please contact us at (651) 451-5160 or (800) 813-9185 for current fees.
  • Dividends will be compounded and credited to your account every quarter and at maturity. Alternatively, you may choose to have dividends paid to you or to another account quarterly and at maturity rather than credited to this account.

Business Checking

  • To view our current fees you can access the Personal Fee schedule and Business Fee schedule You may also contact us with any questions at (651) 451-5160 or (800) 813-9185.
  • Generally, debit card limits are: $300 for ATM withdrawals and $2,500 for point of sale purchases. These limits may differ based on account history and activity. They can also be adjusted if you contact us (651) 451-5160 or (800) 813-9185.
  • At a Shared Branch you can cash checks, make deposits and withdrawls, make loan payments and loan advances, transfer money between accounts and purchase money orders and official checks.
  • We've partenered with credit unions across the nation, through the Shared Branching network, to give you access to your Heartland accounts at their locations - that's over 5,000 credit unions nationwide. Use the Co-Op Shared Branching website to locate a Shared Branch.
  • Visit a Heartland branch, call us at (651) 451-5160 or (800) 813-9185 or email us at info@heartlandcu.com. You can also order checks online at https://www.ordermychecks.com/login_a.jsp
  • Yes. A minimum average daily balance of $5,000 on all account deposits is required to avoid a monthly fee.
  • With over 63,000 surcharge-free ATMs across the country you have many options to avoid paying a fee. Find a surcharge-free ATM today
  • To report a lost or stolen Debit or ATM card please call (800) 449-7728. Representatives are available 24 hours a day to help you.
  • You can request a new card through Heartland Online Banking, call us at (651) 451-5160 or (800) 813-9185 or visit a branch.
  • Yes. With the Heartland Card Manager App you can set a spend limit per transaction or by month. If the limits are exceeded the transacation will be denied.

Business Credit Card

  • Yes. Simply call (888) 886-0083 from one of the phone numbers listed in our system, then follow the prompts and verification process to change your credit card PIN. This convenient service is available 24 hours a day, 7 days a week and gives you the freedom to change your PIN anytime you want – in an instant.
  • Yes. With the Heartland Card Manager App you can control which types of transactions are approved or denied, such as online purchases, international purchases and more.
  • Yes. With the Heartland Card Manager App you can set a spend limit per transaction or by month. If the limits are exceeded the transacation will be denied.
  • Yes. With the Heartland Card Manager App you can receive texts for every transaction or choose specific types of transactions based on location, dollar amount, merchant types and transactions types.
  • Yes. With the Heartland Card Manager App you can lock and unlock your card to protect yourself if it's lost or stolen, plus much more.
  • To report a lost or stolen credit card please call (800) 449-7728. Representatives are available 24 hours a day to help you.
  • To request a limit increase, please call us at (651) 451-5160 or (800) 813-9185 or visit a branch location.
  • Your new Heartland Credit Card should be received within 10-14 business days.

Business Money Market

  • Yes. You must maintain a minimum balance of $2,500 to avoid a fee.
  • Money Markets are tiered by dollar amounts - the more you save, the more you earn.
  • Yes. You can withdraw without any penalty or fee.
  • No. With a Money Market account, your funds are as secure as they are with any other type of savings account. In fact, they are federally insured to at least $250,000 by the National Credit Union Administration and an additional $250,000 through the Excess Share Insurance Corp (ESI). Money Market accounts have nothing to do with the stock market.
  • A Money Market account is a great place to park emergency funds for your business or save business purchases and expenses.

Business Share Savings

  • Yes.
  • To remain a member of Heartland, your Primary Share Savings account must remain open with a balance of $5 - which is your share or ownership in the credit union. If you would like to close your account and no longer be a member, you can visit a branch or contact us at (651) 451-5160 or (800) 813-9185.
  • We serve 10 Minnesota Counties: Anoka, Carver, Chisago, Dakota, Scott, Rice, Le Sueur, Hennepin, Ramsey and Washington. In addition, we serve the employees and retirees from a variety of businesses. Plus, if you're related to a Heartland member you can join. Learn More to see if you're eligible.
  • If you meet one of the eligibility requirements, you can become a member of Heartland. To become a member, you must purchase at least one share by depositing $5 into the basic or youth savings account. Start your online application.

Card Manager

  • If you make the payment before 5 p.m. CT it will be posted to the account the same day. The actual payment will be taken from the account in 2-3 days.
  • Two to three business days, which is the same as making a payment via Online Banking. NOTE: If you want the funds withdrawn immediately from your Heartland account, make the payment via the Heartland Mobile Banking app.
  • No. Only one payment can be made per day. Only the most recent payment made will process.
  • The same default Heartland account that is set up in online banking. You can verify the account when you select "Make a Payment." The screen will show a payment source and you'll see the last four digits of the account number.
  • $1
  • When you click on “Notification Settings” to set up Alerts and Controls, make sure the last four digits are showing at the top of your screen for the card you want to set up the Alerts and Controls on. If not, simply Select the forward or back arrows to flip through your enrolled cards.
  • If you share a Checking account with someone, such as a family member or significant other, and you each have a debit card tied to that account you would need to enroll both cards in the Card Manager app to see the transactions performed on each card.
  • Yes
  • Instantly. If you mistakenly set a control and was denied, you can log into the app and change the setting and use your card again to be approved.
  • Select the menu icon (three lines) at the top of the screen and select Notification Settings. Look at the top of this screen to identify which card you are applying the settings to.

CD & Shared Secured

  • A CD/Share Secured loan uses your deposit account at Heartland as collateral. It is a good option if you want to build credit and don't need to use the funds in your deposit account for the term of the loan. The interest rate is lower than a Signature loan and your deposit account will continue to earn dividends. A signature loan has a higher rate because it is unsecured and there is no collateral on the loan.
  • Yes.
  • Yes. If you set up your payments to automatically come from your Heartland Checking account you'll receive a .25% discount on your loan rate.
  • No. You must use a Heartland Certificate or Savings account to secure the loan, excluding IRA accounts.
  • You can make your loan payments through Online Banking, Mobile Banking, Automatic Payments, check or by calling us to transfer a payment from your Heartland account at (651) 451-5160 or (800) 813-9185. We cannot make payments for you from another financial.
  • You can pay off your loan at anytime without any fees.
  • We can deposit the funds to your Heartland account, provide an official check or wire funds out.
  • You could be approved the same day if you meet our credit criteria and funds would be available the same day. If your application needs to be reviewed further by an underwriter, you should receive a decision within the same day or following day. If you've applied and you do not meet our criteria, you will be notified of a decision on your application within two business days.

CDs

  • CD accounts offer terms, from six months to five years and your rate is fixed for the term of the certificate. The longer the term the higher the rate.
  • The Marketwatcher option allows you to increase your rate during the term one time to the current Heartland rate (not another financials rate) by notifying us and adding $1,000 to your certificate or $100 to your youth certificate. Your maturity date will remain the same and you will earn the higher rate for the remaining certificate term.
  • No. Withdrawals are allowed, but they come with a penalty. Please contact us at (651) 451-5160 or (800) 813-9185 for current fees.
  • Dividends will be compounded and credited to your account every quarter and at maturity. Alternatively, you may choose to have dividends paid to you or to another account quarterly and at maturity rather than credited to this account.

checking

  • With over 63,000 surcharge-free ATMs across the country you have many options to avoid paying a fee. Find a surcharge-free ATM today
  • Yes. With the Heartland Card Manager App you can lock and unlock your card to protect yourself if it's lost or stolen, plus much more.
  • To report a lost or stolen Debit or ATM card please call (800) 449-7728. Representatives are available 24 hours a day to help you.
  • You can request a new card through Heartland Online Banking, send us a message through Heartland Mobile Banking, call us at (651) 451-5160 or (800) 813-9185 or visit a branch.
  • Yes, with the Heartland Credit Union Mobile Banking app you can snap a picture of your check through the app and deposit it to your account.
  • Heartland Credit Union Mobile Banking and Heartland Online Banking are available to give you access to your account 24/7.
  • Heartland's routing number is 296075535
  • To view our current fees you can access the Personal Fee schedule and Business Fee schedule. You may also contact us with any questions at (651) 451-5160 or (800) 813-9185.
  • Generally, debit card limits are: $300 for ATM withdrawals and $2,500 for point of sale purchases. These limits may differ based on account history and activity. They can also be adjusted if you contact us (651) 451-5160 or (800) 813-9185.
  • At a Shared Branch you can cash checks, make deposits and withdrawls, make loan payments and loan advances, transfer money between accounts and purchase money orders and official checks.

Credit Cards

  • To request a copy of your credit card agreement please call us at (651) 451-5160 or (800) 813-9185
  • Yes. Simply call (888) 886-0083 from one of the phone numbers listed in our system, then follow the prompts and verification process to change your credit card PIN. This convenient service is available 24 hours a day, 7 days a week and gives you the freedom to change your PIN anytime you want – in an instant.
  • Yes. With the Heartland Card Manager App you can control which types of transactions are approved or denied, such as online purchases, international purchases and more.
  • Yes. With the Heartland Card Manager App you can set a spend limit per transaction or by month. If the limits are exceeded the transaction will be denied.
  • Yes. With the Heartland Card Manager App you can receive texts for every transaction or choose specific types of transactions based on location, dollar amount, merchant types and transactions types.
  • Yes. With the Heartland Card Manager App you can lock and unlock your card to protect yourself if it's lost or stolen, plus much more.
  • To report a lost or stolen credit card please call (800) 449-7728. Representatives are available 24 hours a day to help you.
  • Yes, you may request to change card programs at any time. Please call us at (651) 451-5160 or (800) 813-9185 or visit a branch location.
  • To request a limit increase, please call us at (651) 451-5160 or (800) 813-9185 or visit a branch location.
  • Your new Heartland Credit Card should be received within 10-14 business days.

Debit Cards

  • You have 60 days from the statement date that the transaction appears on to dispute a transaction. To file a dispute on a debit card transaction, please call us (651) 451-5160 or (800) 813-9185 or visit a branch location.
  • Generally, debit card limits are: $300 for ATM withdrawals and $2,500 for point of sale purchases. These limits may differ based on account history and activity. They can also be adjusted if you contact us (651) 451-5160 or (800) 813-9185.
  • With over 63,000 surcharge-free ATMs across the country you have many options to avoid paying a fee. Find a surcharge-free ATM today
  • Yes. With the Heartland Card Manager App you can control which types of transactions are approved or denied, such as online purchases, international purchases and more.
  • Yes. With the Heartland Card Manager App you can set a spend limit per transaction or by month. If the limits are exceeded the transaction will be denied.
  • Yes. With the Heartland Card Manager App you can receive texts for every transaction or choose specific types of transactions based on location, dollar amount, merchant types and transactions types.
  • Yes. With the Heartland Card Manager App you can lock and unlock your card to protect yourself if it's lost or stolen, plus much more.
  • To report a lost or stolen Debit or ATM card please call (800) 449-7728. Representatives are available 24 hours a day to help you.
  • You can request a new card through Heartland Online Banking, send us a message through Heartland Mobile Banking, call us at (651) 451-5160 or (800) 813-9185 or visit a branch.
  • No. The extra layer of security only applies when the chip is processed through the terminal. Rest assured, we have 24/7 fraud monitoring that watches your transactions for suspicious activity and will alert you if they identify any. It’s also important, on all of your cards, to monitor activity. The sooner you notify us of unauthorized purchases, the sooner we can reimburse you and prevent further transactions from occurring. It’s also wise to practice safe shopping online by visiting only trusted sites that begin with https and never make purchases over Free WiFi networks – such as those offered at coffee shops and other public retailers. These public networks are not secure and easy for fraudsters to steal information from.

Direct Deposit

  • Setting up direct deposit is as easy as can be. Just complete the Direct Deposit Form and give it to your payroll department or the institution issuing your money. You can find the numbers you need to set up direct deposit on your Heartland check. Heartland Routing/Transit Number: 296075535

echecking

  • With over 63,000 surcharge-free ATMs across the country you have many options to avoid paying a fee. Find a surcharge-free ATM today
  • Yes. With the Heartland Card Manager App you can lock and unlock your card to protect yourself if it's lost or stolen, plus much more.
  • To report a lost or stolen Debit or ATM card please call (800) 449-7728. Representatives are available 24 hours a day to help you.
  • You can request a new card through Heartland Online Banking, send us a message through Heartland Mobile Banking, call us at (651) 451-5160 or (800) 813-9185 or visit a branch.
  • Yes, with the Heartland Credit Union Mobile Banking app you can snap a picture of your check through the app and deposit it to your account.
  • Heartland Credit Union Mobile Banking and Heartland Online Banking are available to give you access to your account 24/7.
  • Heartland's routing number is 296075535
  • To view our current fees you can access the Personal Fee schedule and Business Fee schedule. You may also contact us with any questions at (651) 451-5160 or (800) 813-9185.
  • Generally, debit card limits are: $300 for ATM withdrawals and $2,500 for point of sale purchases. These limits may differ based on account history and activity. They can also be adjusted if you contact us (651) 451-5160 or (800) 813-9185.
  • At a Shared Branch you can cash checks, make deposits and withdrawls, make loan payments and loan advances, transfer money between accounts and purchase money orders and official checks.

Examples

First Mortgage

  • Please have the following:
    • Last 30 days of paystubs
    • Last two years of W2s
    • Last two months of bank statements
    • If you are self-employed, we will need your last two years of tax returns.
    If you are applying jointly, they must also provide these documents.
  • A conventional loan requires a minimum credit score of 620 or higher to be eligible.
  • A conventional loan requires a 5% down payment.
  • Apply. You can apply before you find a home and get pre-approved. By doing this you'll know how much you have to spend, you'll be ready to make an offer faster and you can estimate your payment for your budget. There is no harm in getting pre-approved, it costs you nothing.
  • Closing Costs are fees being paid to the county to register your mortgage, title fees, lender fees and processing or underwriting fees. Pre-Paids are the funds that fund your escrow account. An escrow account sets aside a monthly amount of money needed to pay home owners insurance and property taxes.
  • No. There are no penalties for prepayment. You can pay off your home loan any time with no additional charges.
  • An adjustable rate mortgage, or ARM, is a loan type that offers a lower initial interest rate than most fixed rate loans. The trade off is that the interest rate can change periodically, usually in relation to an index, and the monthly payment will go up or down accordingly. Against the advantage of the lower payment at the beginning of the loan, you should weigh the risk that an increase in interest rates would lead to higher monthly payments in the future. It's a trade-off. You get a lower rate with an ARM in exchange for assuming more risk. For many people in a variety of situations, an ARM can be the right mortgage choice, particularly if your income is likely to increase in the future or if you only plan on being in the home for three to five years.
  • Interest rates fluctuate based on a variety of factors, including inflation, the pace of economic growth, and Federal Reserve policy. Over time, inflation has the largest influence on the level of interest rates. A modest rate of inflation will almost always lead to low interest rates, while concerns about rising inflation normally cause interest rates to increase. Our nation's central bank, the Federal Reserve, implements policies designed to keep inflation and interest rates relatively low and stable.
  • No, your loan will always be serviced by Servion, our mortgage partner.
  • The 15-year fixed rate mortgage offers two big advantages for most borrowers: You own your home in half the time it would take with a traditional 30-year mortgage. You save more than half the amount of interest of a 30-year mortgage. Lenders usually offer this mortgage at a slightly lower interest rate than with 30-year loans. It is this lower interest rate added to the shorter loan life that creates real savings for 15-year fixed rate borrowers. The possible disadvantages associated with a 15-year fixed rate mortgage are: The monthly payments for this type of loan are roughly 10 to 15 percent higher per month than the payment for a 30-year. And, because you'll pay less total interest on the 15-year fixed rate mortgage, you won't have the maximum mortgage interest tax deduction possible.

Free Business Checking

  • To view our current fees you can access the Personal Fee schedule and Business Fee schedule. You may also contact us with any questions at (651) 451-5160 or (800) 813-9185.
  • Generally, debit card limits are: $300 for ATM withdrawals and $2,500 for point of sale purchases. These limits may differ based on account history and activity. They can also be adjusted if you contact us (651) 451-5160 or (800) 813-9185.
  • At a Shared Branch you can cash checks, make deposits and withdrawls, make loan payments and loan advances, transfer money between accounts and purchase money orders and official checks.
  • We've partenered with credit unions across the nation, through the Shared Branching network, to give you access to your Heartland accounts at their locations - that's over 5,000 credit unions nationwide. Use the Co-Op Shared Branching website to locate a Shared Branch.
  • Visit a Heartland branch, call us at (651) 451-5160 or (800) 813-9185 or email us at info@heartlandcu.com. You can also order checks online by visiting our Order Checks website.
  • No.
  • With over 63,000 surcharge-free ATMs across the country you have many options to avoid paying a fee. Find a surcharge-free ATM today
  • To report a lost or stolen Debit or ATM card please call (800) 449-7728. Representatives are available 24 hours a day to help you.
  • You can request a new card through Heartland Online Banking, call us at (651) 451-5160 or (800) 813-9185 or visit a branch.
  • Yes. With the Heartland Card Manager App you can control which types of transactions are approved or denied, such as online purchases, international purchases and more.

Free Checking

  • With over 63,000 surcharge-free ATMs across the country you have many options to avoid paying a fee. Find a surcharge-free ATM today
  • Yes. With the Heartland Card Manager App you can lock and unlock your card to protect yourself if it's lost or stolen, plus much more.
  • To report a lost or stolen Debit or ATM card please call (800) 449-7728. Representatives are available 24 hours a day to help you.
  • You can request a new card through Heartland Online Banking, send us a message through Heartland Mobile Banking, call us at (651) 451-5160 or (800) 813-9185 or visit a branch.
  • Yes, with the Heartland Credit Union Mobile Banking app you can snap a picture of your check through the app and deposit it to your account.
  • Heartland Credit Union Mobile Banking and Heartland Online Banking are available to give you access to your account 24/7.
  • Heartland's routing number is 296075535
  • To view our current fees you can access the Personal Fee schedule and Business Fee schedule. You may also contact us with any questions at (651) 451-5160 or (800) 813-9185.
  • Generally, debit card limits are: $300 for ATM withdrawals and $2,500 for point of sale purchases. These limits may differ based on account history and activity. They can also be adjusted if you contact us (651) 451-5160 or (800) 813-9185.
  • At a Shared Branch you can cash checks, make deposits and withdrawls, make loan payments and loan advances, transfer money between accounts and purchase money orders and official checks.

General Questions

  • Both. On the Accounts screen (the first screen of mobile banking that lists all the accounts) the large text is the Available Balance and the smaller text below that is the current balance.
  • New members, or current members who open a new Heartland Account (checking, savings etc.) can view their account on Mobile Banking 24 hours after the account is opened.
  • By default mobile banking will present all accounts you are listed on – primary and joint. If you'd prefer to only see certain accounts, such as only the ones you are primary on, please contact us at (651) 451-5160 or (800) 813-9185.
  • 30 days appear in your history and if you click on the Load More option in the app you'll see up to 90 days.
  • If you do not receive a confirmation message of the transaction, due to a lost signal, you may verify a transaction by logging back into Mobile Banking. Or, contact us at (651) 451-5160 or (800) 813-9185 to verify the transaction. Or, if you're an online banking user, you can verify the transaction in online banking.
  • Yes. For example: A parent can enroll themselves in Mobile Banking and view their accounts and they can also enroll their child's account on the same device and view the child's through a separate username and password.
  • Yes. You can log into your Mobile Banking account from another Android, iPhone or iPad if the app is downloaded to that device. However, if you log into more than the allowed number of devices you will be required to enter a one-time PIN that will be supplied to you as an extra layer of security.
  • For supported iPhone, iPad and Android devices download the free Heartland CU Mobile MN app from the App Store or the Play Store. The app icon has a white background with the Heartland logo in the center
  • For ease of use, if you are already enrolled in Heartland Online Banking, you may choose to register with the same User ID and Password for Mobile Banking provided it has not already been selected by another Mobile Banking user and that it meets the required format. User ID – Must be at least 4 characters and can be alpha or numeric (user IDs are not case sensitive) Password – Must be at least 8 characters, and must contain at least 1 number and 1 special character (passwords are case sensitive)
  • No. You do not need to be an Online Banking user to take advantage of the Mobile Banking services. However, we highly recommend you have Online Banking to view more detailed information on your account, such as your statements and if Mobile Banking is down you’ll still have access to Online Banking to monitor your accounts.

Home Equity

  • You can use a Home Equity Loan for a variety of things. Here are a few examples to consider:
    • Home Improvements. Use your equity to finance projects like a kitchen remodel. It will not only make your home more comfortable for you, it could raise the home’s value and attract buyers in the future.
    • Pay Off Debt. Use your equity to pay off high-interest-rate debt, such as credit cards. Home equity loan rates are usually much lower than credit cards so you’ll save money while you pay off your debt. Plus, combining all of your credit card balances together will give you one easy-to-manage payment each month.
    • Purchase a Cabin or Second Home. Use your equity as a down payment on a cabin or second home. Or, if you’re current home is paid off, use the equity as an all-cash offer on a cabin or second home — giving you an advantage over other buyers.
    • Higher Education Expenses.
    • Medical Bills.
  • Home equity is the amount of your home that you actually own. Specifically, equity is the difference between what your home is worth and what you owe your lender. As you make payments on your mortgage, you reduce the balance of your loan and you build equity.
  • The Home Equity, Home Improvement and Home Free loans all have fixed rates. Home Equity Lines of Credit are Variable.
  • 15 to 45 days

Home Equity Line of Credit

  • You can use a Home Equity Loan for a variety of things. Here are a few examples to consider:
    • Home Improvements. Use your equity to finance projects like a kitchen remodel. It will not only make your home more comfortable for you, it could raise the home’s value and attract buyers in the future.
    • Pay Off Debt. Use your equity to pay off high-interest-rate debt, such as credit cards. Home equity loan rates are usually much lower than credit cards so you’ll save money while you pay off your debt. Plus, combining all of your credit card balances together will give you one easy-to-manage payment each month.
    • Purchase a Cabin or Second Home. Use your equity as a down payment on a cabin or second home. Or, if you’re current home is paid off, use the equity as an all-cash offer on a cabin or second home — giving you an advantage over other buyers.
    • Higher Education Expenses.
    • Medical Bills.
  • Home equity is the amount of your home that you actually own. Specifically, equity is the difference between what your home is worth and what you owe your lender. As you make payments on your mortgage, you reduce the balance of your loan and you build equity.
  • The Home Equity, Home Improvement and Home Free loans all have fixed rates. Home Equity Lines of Credit are Variable.
  • 15 to 45 days

Home Equity Line of Credit and Home Free

Home Free Refinance

  • You may make extra payments on your Home Free loan without penalty. However, if you pay off your 10 year Home Free loan within the first year you must repay closing cost.
  • Yes. Closing costs are determined by the loan amount.
  • No
  • The Home Equity, Home Improvement and Home Free loans all have fixed rates. Home Equity Lines of Credit are Variable.
  • 15 to 45 days

IRA

  • Required Minimum Distribution. In 2020 the RMD age changed from 70 1/2 to 72. So at age 72 you are required to start making withdrawals based on the total amount in your IRA.
  • For Traditional IRAs you can make a withdrawal at 59 1/2 years of age. For a Roth IRA you may withdrawal at 59 1/2, but the withdrawal has to be at least five years after the first contribution.
  • The key difference between Roth and Traditional IRAs lies in the timing of their tax advantages: With traditional IRAs, you deduct contributions now and pay taxes on withdrawals later; with Roth IRAs, you pay taxes on contributions now and get tax-free withdrawals later.

iSave Youth Checking

  • With over 63,000 surcharge-free ATMs across the country you have many options to avoid paying a fee. Find a surcharge-free ATM today
  • Yes. With the Heartland Card Manager App you can lock and unlock your card to protect yourself if it's lost or stolen, plus much more.
  • To report a lost or stolen Debit or ATM card please call (800) 449-7728. Representatives are available 24 hours a day to help you.
  • You can request a new card through Heartland Online Banking, send us a message through Heartland Mobile Banking, call us at (651) 451-5160 or (800) 813-9185 or visit a branch.
  • Yes, with the Heartland Credit Union Mobile Banking app you can snap a picture of your check through the app and deposit it to your account.
  • Heartland Credit Union Mobile Banking and Heartland Online Banking are available to give you access to your account 24/7.
  • Heartland's routing number is 296075535
  • We will automatically transfer money from your savings to cover the expense - no charge.
  • To view our current fees you can access the Personal Fee schedule and Business Fee schedule. You may also contact us with any questions at (651) 451-5160 or (800) 813-9185.
  • Generally, debit card limits are: $300 for ATM withdrawals and $2,500 for point of sale purchases. These limits may differ based on account history and activity. They can also be adjusted if you contact us (651) 451-5160 or (800) 813-9185.

Mobile Deposit

  • Yes, $10,000 per day.
  • Log into the mobile app and click on the orange circle icon and select Remote Deposit, then select history. You will see Approved, Declined and Pending deposits.
  • Once you’ve logged into the mobile app, click on the orange circle icon and select Remote Deposit and follow the prompts – make sure to endorse your check.
  • Deposits are approved by Heartland throughout the day Monday-Friday (excluding holidays) – giving you access to your money the same day, if deposited before 4 p.m. Checks deposited on Fridays after 3:45 p.m., Saturdays, Sundays and holidays will be deposited the next business day.
  • Mobile deposit allows you to deposit checks into your savings or checking account remotely through your mobile device.

Mobile Enrollment

  • When you enroll in mobile banking, you’ll be sent an enrollment code to the “Home” email address listed in our system. You must enter that code in the app before your enrollment can proceed. If you do not have access to the email the code is sent to please contact us at (651) 451-5160 or (800) 813-9185 to update your contact information.
  • If you get a new mobile device simply download the free Heartland CU Mobile MN app and log in. Or, if you access the Mobile Banking via a browser visit https://m-heartlandcu.financialhost.org
  • Contact us at (651) 451-5160 or (800) 813-9185 and we can assist you
  • 1. Launch the Mobile Banking so you see the sign-in screen where you enter your username and password. 2. Click the menu icon (three little lines in the upper left corner). 3. Select "Forgot your password?" 4. Enter you mobile banking username and the "home" email address listed in our system - if you don't enter the email address listed in our system you are not able to update your password. 5. Enter the code that will be emailed to you. 6. Enter your new password. 7. Select register.
  • You can visit the site at https://m-heartlandcu.financialhost.org from your mobile device's browser.
  • First, make sure you're entering the verification info correctly - account number, social security number and last name. Note: Your member number is not always an account number. Look at your membership card or online banking for your full account numbers. If you're entering the verification information correctly please contact Heartland at (651) 451-5160 or (800) 813-9185 for assistance. The information you enter must match the information we have in our system or your registration will be denied
  • For supported iPhone, iPad and Android devices download the free Heartland CU Mobile MN app from the App Store or Play Store. Once the app is downloaded launch the ap and follow the steps below: 1. On the login screen select the menu icon in the upper left of the screen and select “Enroll Here” 2. Enter the requested information, then select enroll (note: the information entered must match the information in our system) a. Account Number (any of your accounts, from checking and savings accounts to a loan account number – the account must be in an open status) b. Your social security number - with no dashes c. Last Name 3. Once you select enroll an email will be sent to your “Home” email address listed in our system with an access code that you must enter on the screen that will appear on the app – you must enter the code to proceed. NOTE: You cannot close this screen or you will have to go through the enrollment process again. You should minimize the screen on your device while you retrieve your Access Code, then open the screen again to enter it. 4. Once the code is entered you will be asked to set your username and password a. Username: Must be a minimum of 4 characters (numbers or letters and is not case sensitive) b. Password: Must be 8 or more characters and contain a number and special character (is case sensitive) For web-enabled supported devices (such as Blackberries, Window phones) visit https://m-heartlandcu.financialhost.org
  • Mobile Enrollment is the process that assists in the creation of credentials for access to Heartland Mobile Banking services. You will walk through a series of steps to verify your identity and create a username and Password.

Money Market

  • Yes. You must maintain a minimum balance of $2,500 to avoid a fee.
  • Money Markets are tiered by dollar amounts - the more you save, the more you earn.
  • Yes. You can withdraw without any penalty or fee.
  • No. With a Money Market account, your funds are as secure as they are with any other type of savings account. In fact, they are federally insured to at least $250,000 by the National Credit Union Administration and an additional $250,000 through the Excess Share Insurance Corp (ESI). Money Market accounts have nothing to do with the stock market.
  • A Money Market account is a great place to park emergency or vacation funds, save for starting a new family, supplement retirement savings, or save for major purchases.

Mortgage Refinance

  • Please have the following:
    • Last 30 days of paystubs
    • Last two years of W2s
    • Last two months of bank statements
    • If you are self-employed, we will need your last two years of tax returns.
    If you are applying jointly, they must also provide these documents.
  • A conventional loan requires a minimum credit score of 620 or higher to be eligible.
  • A conventional loan requires a 5% down payment.
  • Apply. You can apply before you find a home and get pre-approved. By doing this you'll know how much you have to spend, you'll be ready to make an offer faster and you can estimate your payment for your budget. There is no harm in getting pre-approved, it costs you nothing.
  • Closing Costs are fees being paid to the county to register your mortgage, title fees, lender fees and processing or underwriting fees. Pre-Paids are the funds that fund your escrow account. An escrow account sets aside a monthly amount of money needed to pay home owners insurance and property taxes.
  • No, your loan will always be serviced by Servion, our mortgage partner.
  • The 15-year fixed rate mortgage offers two big advantages for most borrowers: You own your home in half the time it would take with a traditional 30-year mortgage. You save more than half the amount of interest of a 30-year mortgage. Lenders usually offer this mortgage at a slightly lower interest rate than with 30-year loans. It is this lower interest rate added to the shorter loan life that creates real savings for 15-year fixed rate borrowers. The possible disadvantages associated with a 15-year fixed rate mortgage are: The monthly payments for this type of loan are roughly 10 to 15 percent higher per month than the payment for a 30-year. And, because you'll pay less total interest on the 15-year fixed rate mortgage, you won't have the maximum mortgage interest tax deduction possible.

Online Banking

  • Yes. You can view your transactions, pay your bill, enroll in eStatements and view your rewards (if you have a Heartland Rewards Card.)
  • 90 days. If you need to see more you can click on the account, select the Advanced Search Tab and search further back.
  • 18 months.
  • Yes. As part of your Online Banking account you'll have quick, secure access to view your statements online. You can download them to your computer or print them.
  • Yes. You can transfer money from your Heartland account to other Heartland accounts and you can transfer to accounts you own outside of the credit union - such as other credit union or bank accounts.
  • We can get you enrolled in minutes and you'll be able to view your accounts the next day. Visit a branch or give us a call at (651) 451-5160 or (800) 813-9185 to get enrolled.
  • Visit a branch or give us a call at (651) 451-5160 or (800) 813-9185 and we will get you set up.

Privilege Pay

  • Giving us your consent to pay everyday debit card and ATM overdrafts on your consumer account (Extended Coverage) may result in you incurring Overdraft Fees for transactions that we would otherwise be required to pay without assessing an Overdraft Fee. However, this would allow us to authorize transactions up to the amount of your Privilege Pay limit and may also help you avoid overdrafts in excess of your available balance. If you consent to Extended Coverage on your consumer account, it will remain on your account until it is otherwise withdrawn.  
  • The $30 Overdraft Fee that is charged if you overdraw your account is the same fee amount that is charged if an item is returned as unpaid. If multiple items overdraw your account on the same day, each item will be assessed an Overdraft Fee or a Returned Item Fee of $30. All fees and charges will be included as part of the Privilege Pay limit amount. Your account may become overdrawn more than the Privilege Pay limit amount because of a fee.    
  • You will automatically have Privilege Pay Standard Coverage if your account is eligible. If you want your ATM and everyday debit card transactions covered, you will need to consent by:  
  • If you would like to select Extended Coverage for future transactions:
  • Standard Coverage includes checks, ACH transactions (automatic debits), recurring debit card transactions, online bill pay items, and teller window transactions. If you consent to Extended Coverage, ATM and everyday debit card transactions will be included with the Standard Coverage transactions.
    • Even if you have Overdraft Protection, Privilege Pay is available as secondary coverage if the other protection source is exhausted.
    • Privilege Pay will cover overdrafts up to the Privilege Pay limit if the funds in your savings account have been exhausted.
  • If you want to discontinue Privilege Pay, contact Heartland by calling (651) 451-5160, email us at info@heartlandcu.com, or visit any Heartland branch.
  • As soon as possible within 45 days. After 45 days your account will be closed.
  • When used, you will be charged a fee of $30 per overdraft paid, but costs nothing just to have on your account.
  • A link to another account or line of credit may be less expensive than an overdraft. A single larger overdraft will result in one fee, instead of multiple smaller overdrafts. Good account management is the best way to avoid overdrafts. Use our mobile, online, and telephone banking services to keep track of your balance. For financial education resources, please visit mymoney.gov.

Ready Cash Plus

  • Your payment will be automatically transferred to your loan from your Heartland checking account on the 28th of the month. You can also make your payments through Online Banking, Mobile Banking, check or by calling us to transfer a payment from your Heartland account at (651) 451-5160 or (800) 813-9185. We cannot make payments for you from another financial.
  • Yes. You can pay down your Ready Cash Plus balance as soon as you'd like. The quicker you pay down the balance the less interest you'll pay. If you want to payoff and close your Ready Cash Plus loan please contact us to get an accurate payoff amount.
  • You can transfer money from your Ready Cash Plus to your Heartland Checking or Savings account via Online Banking or Mobile Banking or call us at (651) 451-5160 or (800) 813-9185 and we can transfer it to your Heartland Checking or Savings.
  • You could be approved the same day if you meet our credit criteria and funds would be available the same day. If your application needs to be reviewed further by an underwriter, you should receive a decision within the same day or following day. If you've applied and you do not meet our criteria, you will be notified of a decision on your application within two business days.
  • No, there are no fees to have it available in case you need it. You'll only pay interest when you use it.
  • A Ready Cash Plus is best used as an emergency source of funds when you need it and overdraft protection, in case your Heartland Checking account doesn't have enough funds in it to cover your purchases.

Rewards Checking

  • With over 63,000 surcharge-free ATMs across the country you have many options to avoid paying a fee. Find a surcharge-free ATM today
  • Yes. With the Heartland Card Manager App you can lock and unlock your card to protect yourself if it's lost or stolen, plus much more.
  • To report a lost or stolen Debit or ATM card please call (800) 449-7728. Representatives are available 24 hours a day to help you.
  • You can request a new card through Heartland Online Banking, send us a message through Heartland Mobile Banking, call us at (651) 451-5160 or (800) 813-9185 or visit a branch.
  • Yes, with the Heartland Credit Union Mobile Banking app you can snap a picture of your check through the app and deposit it to your account.
  • Heartland Credit Union Mobile Banking and Heartland Online Banking are available to give you access to your account 24/7.
  • Heartland's routing number is 296075535
  • To view our current fees you can access the Personal Fee schedule and Business Fee schedule. You may also contact us with any questions at (651) 451-5160 or (800) 813-9185.
  • Generally, debit card limits are: $300 for ATM withdrawals and $2,500 for point of sale purchases. These limits may differ based on account history and activity. They can also be adjusted if you contact us (651) 451-5160 or (800) 813-9185.
  • At a Shared Branch you can cash checks, make deposits and withdrawls, make loan payments and loan advances, transfer money between accounts and purchase money orders and official checks.

roth

  • For Traditional IRAs you can make a withdrawal at 59 1/2 years of age. For a Roth IRA you may withdrawal at 59 1/2, but the withdrawal has to be at least five years after the first contribution.
  • The key difference between Roth and Traditional IRAs lies in the timing of their tax advantages: With traditional IRAs, you deduct contributions now and pay taxes on withdrawals later; with Roth IRAs, you pay taxes on contributions now and get tax-free withdrawals later.

savings

  • Yes. Please note, youth accounts are allowed a debit card if the youth member is 13 years old and older. However, exceptions can be made if requested by a guardian/parent and approved by management.
  • To remain a member of Heartland, your Primary (Share, Youth) Savings account must remain open with a balance of $5 - which is your share or ownership in the credit union. If you would like to close your account and no longer be a member, you can visit a branch or contact us at (651) 451-5160 or (800) 813-9185.
  • If you meet one of the eligibility requirements, you can become a member of Heartland. To become a member, you must purchase at least one share by depositing $5 into the share or youth savings account. Start your online application.

Security

  • You can call us at (651) 451-5160 or (800) 813-9185 during regular business hours. Or, after hours you can access the mobile banking site on a computer at https://m-heartlandcu.financialhost.org or download the app to another device and enter your password incorrectly 3 times and your account will be locked. Once you find your phone, or if you get a new phone/device and you download the app again you can call us to unlock your mobile profile. Keep in mind, once you lock your app you will not be able to access it on any device. If you feel the person who stole your phone knows your verification information, your social security number, account number and zip code make sure to lock the account as described above then contact us at (651) 451-5160 or (800) 813-9185.
  • Here are some tips and general good practices for banking on your mobile device: • Never share your password or username with ANYONE. • Download and apply security updates and patches to your mobile browser when they are made available by your wireless provider. These are designed to provide you with protection from known possible security problems. • To prevent viruses or other unwanted problems, do not open attachments from unknown or untrustworthy sources • Do not install pirated software or software from unknown sources • Limit unauthorized access to your mobile device. Do not leave your mobile device unattended during an open Mobile Banking session • Never save your username or password together in memos, or anywhere on your device • Always remember to log off properly using the "Sign Off" button when you have completed your Mobile Banking activities
  • The 128-bit SSL encryption protects your information as it travels from your mobile device to Heartland. The 128-bit SSL encryption technology is the same encryption that safeguards Internet traffic for secure web applications
  • Click the menu icon (the three little lines) and select the Sign Off button

Share Savings

  • Yes. Please note, youth accounts are allowed a debit card if the youth member is 13 years old and older. However, exceptions can be made if requested by a guardian/parent and approved by management.
  • To remain a member of Heartland, your Primary (Share, Youth) Savings account must remain open with a balance of $5 - which is your share or ownership in the credit union. If you would like to close your account and no longer be a member, you can visit a branch or contact us at (651) 451-5160 or (800) 813-9185.
  • We serve 10 Minnesota Counties: Anoka, Carver, Chisago, Dakota, Scott, Rice, Le Sueur, Hennepin, Ramsey and Washington. In addition, we serve the employees and retirees from a variety of businesses. Plus, if you're related to a Heartland member you can join. Learn More to see if you're eligible.
  • If you meet one of the eligibility requirements, you can become a member of Heartland. To become a member, you must purchase at least one share by depositing $5 into the share or youth savings account. Start your online application.

Signature Loans

  • You can pay off your signature loan at anytime without any fees.
  • You could be approved the same day if you meet our credit criteria and funds would be available the same day. If your application needs to be reviewed further by an underwriter, you should receive a decision within the same day or following day. If you've applied and you do not meet our criteria, you will be notified of a decision on your application within two business days.
  • Yes. If you set up your payments to automatically come from your Heartland Checking account you'll receive a .25% discount on your loan rate.
  • You can make your loan payments through Online Banking, Mobile Banking, Automatic Payments, check or by calling us to transfer a payment from your Heartland account at (651) 451-5160 or (800) 813-9185. We cannot make payments for you from another financial.
  • We can deposit the funds to your Heartland account, provide an official check or wire funds out.

toy loan

  • Toy Loans are used to purchase Boats, Motorcycles, Jetskis, Snowmobiles, ATVs, RVs and Motorhomes.
  • You could be approved the same day if you meet our credit criteria and funds would be available the same day. If your application needs to be reviewed further by an underwriter, you should receive a decision within the same day or following day. If you've applied and you do not meet our criteria, you will be notified of a decision on your application within two business days.
  • We can deposit the funds to your Heartland account, provide an official check or wire funds.
  • It is beneficial to get pre-approved before you go shopping. If an application requires certain stipulations such as a limited loan-to-value or a maximum loan amount, it is better to know that information prior to shopping. Plus, you'll have an estimate of your loan payment for budgeting and when you find the vehicle you want you can purchase it faster.
  • Typically pre-approvals last up to 90 days
  • You can pay off your loan at anytime without any fees.
  • You can make your loan payments through Online Banking, Mobile Banking, Automatic Payments, check or by calling us to transfer a payment from your Heartland account at (651) 451-5160 or (800) 813-9185. We cannot make payments for you from another financial.
  • Yes. If you set up your payments to automatically come from your Heartland Checking account you'll receive a .25% discount on your loan rate.
  • You can apply online, by calling us at (651) 451-5160 or (800) 813-9185 or by visiting a branch. We will need your original title (if your toy requires that), payoff information on your existing loan and your insurance information.

Visa Platinum Rewards

    • 5 points for every dollar spent at gas stations
    • 3 points for every dollar spent at supermarkets and restaurants
    • 1 point for every dollar spent on other purchases
    • Merchandise
    • Travel
  • This Visa® Platinum Rewards card comes with everything you need and more. Below are key benefits you won’t want to miss out on.
    • 2.90% balance transfer intro APR for 12 months on balances transferred within the first 60 days of card being opened**
    • Variable rates as low as 9.90% APR+
    • Minimum credit limit $200
    • 25 day grace period to pay the full amount of the New Balance of Purchases on your card to avoid paying interest
    • $500,000 Travel Accident and Baggage Delay Insurance

Visa Signature

    • 5 points for every dollar spent at gas stations
    • 3 points for every dollar spent at supermarkets and restaurants
    • 1 point for every dollar spent on other purchases
    • Cash Back
    • Merchandise
    • Travel
    • Gift Cards
    • Account Credit
  • We pulled out all the stops for our Heartland Visa® Signature card. Here are the key benefits you’ll receive when you sign up for this card.

    • $500 Price Protection—if you buy an eligible item with your card and find it advertised for less within 60 days of purchase, you can be reimbursed for the difference. View benefit and claim details.
    • Concierge Services
    • Travel and Emergency Assistance – Put your mind at ease when you are traveling and get help coordinating medical, legal, and travel services when you need them. The cost of any goods or services is your responsibility.^
    • Roadside Dispatch – Offers you a 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, and locksmith services giving you peace of mind when you’re out on the road. Call (800) VISA-TOW for further details.

Youth Savings

  • Yes. Please note, youth accounts are allowed a debit card if the youth member is 13 years old and older. However, exceptions can be made if requested by a guardian/parent and approved by management.
  • To remain a member of Heartland, your Primary (Share, Youth) Savings account must remain open with a balance of $5 - which is your share or ownership in the credit union. If you would like to close your account and no longer be a member, you can visit a branch or contact us at (651) 451-5160 or (800) 813-9185.
  • We serve 10 Minnesota Counties: Anoka, Carver, Chisago, Dakota, Scott, Rice, Le Sueur, Hennepin, Ramsey and Washington. In addition, we serve the employees and retirees from a variety of businesses. Plus, if you're related to a Heartland member you can join. Learn More to see if you're eligible.
  • If you meet one of the eligibility requirements, you can become a member of Heartland. To become a member, you must purchase at least one share by depositing $5 into the share or youth savings account. Start your online application.