Heartland Federal Credit Union

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A short history of Heartland FCU

Since its inception in 1935 the Heartland Federal Credit Union has been serving its members in the DAYTON, Ohio area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Ronald Huist, the Heartland FCU has grown its membership to over 11,082 with assets of more than $103,886,964. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (937) 294-1991 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in DAYTON, OH.

General Information For Heartland FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 264
Address 3400 OFFICE PARK DR 
State Ohio 
Zip-Code 45439
Phone Number (937) 294-1991
Fax Number (937) 294-0379
Email Address: none
CEO/President Ronald Huist
Members 11,082 
Full-Time Employees 27 
Part-Time Employees
Number of Branch Offices
Total Assets 103,886,964 
Website http://www.thinkheartland.com 

Compare Heartland Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Wright-dunbar Area CU Coriinthian Branch 700 S James H McGee Blvd 45417 (937) 223-1101 No 3.13
Universal 1 CU Sugarcreek 6270 Wilmington Pike 45459 (937) 848-6050 No 3.15
Standard Register CU Main Office 175 Campbell St 45401 (937) 223-3333 No 3.15
Dayton Firefighters CU Main Office 338 S Patterson Blvd 45402 (937) 228-1614 No 4.16
Code CU Dayton 355 W Monument Ave 45402 (937) 222-8971 No 4.42

Heartland Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Heartland Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.01 4.24 4.55 3.94 4.57
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 255 310 270 132 177
Rank Among All Ohio Credit Unions 43 94 57 26 30

Heartland Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.09 0.10 0.19 0.51 0.40
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 118 129 119 260 243
Rank Among All Ohio Credit Unions 14 22 30 74 61
Heartland Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.0102,1304,331,095
All Other Unsecured Loans/Lines of Credit 9.4808991,418,232
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 4.020830,370
New Vehicle Loans 4.24052112,351,677
Used Vehicle Loans 4.5501,80223,452,207
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.94013810,303,909
Total Other Real Estate Loans/Lines of Credit 4.5702204,639,225
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.3701731,965,213
TOTAL LOANS & LEASES 5,89158,491,928

Heartland Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 282,779,4002188,000
    b. 15 Years or less 724,542,99900
    a. > 15 years 322,520,19600
    b. 15 Years or less 4317,68300
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 2143,63100
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 691,477,25100
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1513,161,974881,192,634
Open-End Fixed Rate 0000
TOTALS 35814,943,134901,380,634


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Heartland Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes