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Heartland Credit Union

Overview
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Heartland Credit Union is a federally insured state credit union based in Madison, Wisconsin. It has been opened since 1936, for 84 years.

With around $288,430,000 in assets, Heartland Credit Union is considered to be a very large credit union. It has 7 branches and 7 ATM locations.

About
Address 5325 High Crossing Boulevard
Madison, Wisconsin 53718
Website http://www.heartlandcu.org
Phone (608) 282-7000
Fax (608) 282-7036
CEO Sally Dischler
President of the Board Rhonda Hollfelder
Services Offered
Map
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Score Card
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84 years
Years in business
Opened in 1936
Well Capitalized
Net worth classification
Source: NCUA
22,634 members
Membership type: State chartered natural person credit union
Above average number of members
265:1
Credit union member to staff ratio
265 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$288,430,135
Total assets
Above average
7 branches
Compared with an average of 4 nationally and 5 in Wisconsin
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
11.25%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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7 branches
Compared with an average of 4 nationally and 5 in Wisconsin
Above average number of branches
Heartland Credit Union Branch Locations

Heartland Credit Union: Heartland-Deforest
120 Vinburn Road
Deforest, Wisconsin 53532
ATM Available
Heartland Credit Union: Heartland-Verona
105 Enterprise Drive
Verona, Wisconsin 53593
ATM Available
Heartland Credit Union: Heartland Corporate
5325 High Crossing Boulevard
Madison, Wisconsin 53718
ATM Available
Heartland Credit Union: Heartland-Willy Street
944 Williamson Street
Madison, Wisconsin 53703
ATM Available
Heartland Credit Union: Heartland-Dodgeville
1205 Joseph Street
Dodgeville, Wisconsin 53533
ATM Available
Heartland Credit Union: Heartland-Platteville
1520 E. Business Highway 151
Platteville, Wisconsin 53818
ATM Available
Heartland Credit Union: Heartland-Lancaster
1000 Ihm Street
Lancaster, Wisconsin 53813
ATM Available
Members
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22,634 members
Membership type: State chartered natural person credit union
Above average number of members

With 22,634 members, the Heartland Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 83% of credit unions.

Fees
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$71
Average fee per member
The average fee per member at the Heartland Credit Union is $71, which is high compared to most credit unions. This rate is higher than 67% of all credit unions.
Fees are higher than 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 Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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265:1
Credit union member to staff ratio
265 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
86 staff members
FTE (full-time equivalent)
1% of employees are part-time
85 full-time, 1 part-time

Heartland Credit Union has 85 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 99% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Heartland Credit Union has around 265 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets
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$288,430,135
Total assets
Above 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.
10.3%
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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$18,420
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 89% of credit unions.

Heartland Credit Union holds a total of $243,510,000 in loans and leases, which is about $18,420 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 Credit Union pays 0.10%.

Loan rates
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11.25%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.24%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
7.20%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.20%
New car loan rate
Compared to 4.0% nationally
4.20%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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6.00%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.50%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally