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Heartland Area Credit Union

Overview
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Heartland Area Credit Union is a federal credit union based in Omaha, Nebraska. It has been opened since 1954, for 66 years.

With around $20,410,000 in assets, Heartland Area Credit Union is considered to be a medium size credit union.

About
Address 6111 North 72nd Street
Omaha, Nebraska 68134
Website http://www.heartlandfcu.org
Phone (402) 571-8444
Fax (402) 571-0462
CEO Susan F. O'Connor
President of the Board Sharon Williams
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
1,687 members
Membership type: Community credit union
Below average number of members
337:1
Credit union member to staff ratio
337 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$20,409,540
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 2 in Nebraska
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
9.75%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 2 in Nebraska
Above average number of branches
Heartland Area Credit Union Branch Locations

Heartland Area Federal Credit Union
6111 North 72nd Street
Omaha, Nebraska 68134
No ATM
Heartland Area Credit Union: Innovative Technology
9900 Nicholas Street Suite 325
Omaha, Nebraska 68114
No ATM
Members
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1,687 members
Membership type: Community credit union
Below average number of members

With 1,687 members, the Heartland Area Credit Union is considered to be a small credit union. It is smaller than 69% of credit unions.

Fees
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$38
Average fee per member
The average fee per member at the Heartland Area Credit Union is $38, which is comparable to most credit unions. This rate is lower than 58% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Heartland Area Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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337:1
Credit union member to staff ratio
337 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
5 staff members
FTE (full-time equivalent)
0% of employees are part-time
5 full-time, 0 part-time

Heartland Area Credit Union has 5 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Heartland Area Credit Union has around 337 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$20,409,540
Total assets
Below average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
26.5%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$7,574
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 73% of credit unions.

Heartland Area Credit Union holds a total of $7,180,000 in loans and leases, which is about $7,574 per member on average.

Savings interest rate
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Heartland Area Credit Union pays 0.10%.

Loan rates
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9.75%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
15.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
2.10%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.20%
New car loan rate
Compared to 4.0% nationally
4.75%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.50%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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