Heartland Credit Union, a cornerstone of the Mason City community, stands tall as a beacon of financial stability and growth. With its unwavering commitment to its members, Heartland Credit Union has been the go-to financial partner for generations of Mason City residents.
A Legacy of Financial Stewardship
Established in 1935, Heartland Credit Union has a rich history spanning nearly a century. From its humble beginnings as the Mason City Teachers Credit Union, it has evolved into a thriving financial institution serving over 50,000 members.
Mission and Values
Heartland Credit Union’s mission is to “empower members to achieve financial well-being and build stronger communities.” This mission is driven by the core values of:
- Member Focus
- Integrity
- Innovation
- Community Involvement
Embracing Innovation
Heartland Credit Union is at the forefront of financial technology, offering a wide range of digital banking solutions to make banking convenient and secure. From mobile banking to online bill pay and remote deposit capture, Heartland provides its members with the tools they need to manage their finances effortlessly.
Lending and Mortgage Solutions
Heartland Credit Union offers a comprehensive suite of lending and mortgage solutions to meet the diverse financial needs of its members. Whether it’s a personal loan for unexpected expenses, a home mortgage for a dream home, or a business loan to grow a local enterprise, Heartland provides flexible and affordable options.
Types of Loans Offered:
| Loan Type | Available Terms | Rates |
|---|---|---|
| Personal Loan | 12-60 months | As low as 7.99% APR |
| Auto Loan | 12-84 months | As low as 2.99% APR |
| Home Mortgage | 15-30 years | Competitive market rates |
| Business Loan | Varies | Based on individual business needs |
Savings and Investment Products
Heartland Credit Union understands the importance of saving and investing for the future. It offers a variety of savings and investment accounts designed to help members achieve their financial goals.
Types of Savings and Investment Accounts:
| Account Type | Interest/Dividend Rate | Minimum Balance |
|---|---|---|
| Savings Account | 0.05% APY* | $25 |
| Money Market Account | 0.10% APY* | $2,500 |
| Certificate of Deposit (12-month) | 0.25% APY* | $1,000 |
| IRA Certificate of Deposit (3-year) | 0.50% APY* | $1,000 |
*APY = Annual Percentage Yield
Community Involvement
Heartland Credit Union is deeply invested in the Mason City community. It actively supports local businesses, educational initiatives, and charitable organizations. The credit union’s annual scholarship program has awarded over $250,000 to outstanding students in the Mason City area.
Member Benefits and Services
Membership with Heartland Credit Union comes with a host of benefits and services, including:
- Access to over 30,000 surcharge-free ATMs nationwide
- Free financial counseling
- Identity theft protection
- Low-cost wire transfers
- 24/7 online and mobile banking
Ask Heartland: Frequently Asked Questions
Q: How do I become a member of Heartland Credit Union?
A: Anyone who lives, works, attends school, or worships in Mason City, Iowa or surrounding counties is eligible to join Heartland Credit Union.
Q: What are the benefits of being a member of Heartland Credit Union?
A: Heartland Credit Union offers a wide range of benefits, including access to affordable loans, competitive savings rates, free financial counseling, and surcharge-free ATMs.
Q: How can I apply for a loan from Heartland Credit Union?
A: You can apply online, over the phone, or at any of our branch locations. Our loan officers will work with you to find the best loan option for your needs.
Q: How do I open a savings account with Heartland Credit Union?
A: You can open a savings account online or at any of our branch locations. With a minimum balance of $25, you can start earning dividends on your savings.
Q: What is the difference between a checking account and a savings account?
A: Checking accounts are designed for everyday transactions, such as writing checks or using a debit card. Savings accounts are designed for saving money and earning interest.
Q: How can I access my Heartland Credit Union account online?
A: You can access your account online by visiting our website at heartlandcu.org. You can also download our mobile banking app for convenient access to your account on the go.
