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 Heartland Credit Union Inver Grove Heights, MN Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 9, 2026
Heartland Credit Union Inver Grove Heights, MN's 13-Month Special CD of Deposit rates are at 3.25%, 12 month CD of Deposit rates are at 2.25%, 24 month CD of Deposit rates are at 2.00%, 6 month CD of Deposit rates are at 1.75%. Heartland Credit Union Inver Grove Heights, MN's savings rates are at 0.05%. Heartland Credit Union Inver Grove Heights, MN's money market rates are at 0.10%. Heartland Credit Union Inver Grove Heights, MN's Personal Loan Rates are at 11.49%. MonitorBankRates evaluates the financial stability of Heartland Credit Union Inver Grove Heights, MN with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.23%. Rates last updated and verified on 09/09/2026. Heartland Credit Union Inver Grove Heights, MN money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Heartland Credit Union Inver Grove Heights, MN? Share your experience about Heartland Credit Union Inver Grove Heights, MN by leaving a review below, or read customer reviews before you decide to use Heartland Credit Union Inver Grove Heights, MN. Heartland Credit Union Inver Grove Heights, MN
Main Office 5500 S Robert Trl
https://www.heartlandcu.com Inver Grove Heights, MN 55077 
Heartland Credit Union Inver Grove Heights, MN CD Rates
Heartland Credit Union Inver Grove Heights, MN Savings Rates
Heartland Credit Union Inver Grove Heights, MN Money Market Rates
Heartland Credit Union Inver Grove Heights, MN Checking Rates
Heartland Credit Union Inver Grove Heights, MN Home Equity & HELOC
Heartland Credit Union Inver Grove Heights, MN Auto Loan Rates
Heartland Credit Union Inver Grove Heights, MN Credit Card Rates
Heartland Credit Union Inver Grove Heights, MN Personal Loan Rates
Financial Health HistoryHeartland Credit Union Inver Grove Heights, MN’s Texas Ratio rose from 1.34% in Q2 2023 to 2.23% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Heartland Credit Union Inver Grove Heights, MN is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Heartland Credit Union Inver Grove Heights, MN rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Heartland Credit Union Inver Grove Heights, MN's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Heartland Credit Union Inver Grove Heights, MN
Website
https://www.heartlandcu.com
Address
5500 S Robert Trl,
Inver Grove Heights, MN 55077
Phone
651-451-5160
Fax
651-451-4340
President
Rex Carlson
CEO
Kathleen Harrington
Full-Time Employees
32
Part-Time Employees
1
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.23%
Return on Assets (ROA)
0.0433%
Return on Equity (ROE)
0.4426%
Non-Performing Loans Ratio (NPL)
0.39%
Total Assets
176,398,212
Total Amount of Shares and Deposits
152,336,224
Total Shares and Deposits < 1 Year
147,268,482
Total Shares and Deposits 1 3 Years
4,409,907
Total Shares and Deposits > 3 Years
657,837
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,133,174
Total Uninsured Shares and Deposits > $250K (F+J)
9,133,174
Total Insured Shares and Deposits > $250K (item 17 less item K)
143,203,050
Total Interest Expense (Sum of items 6 8)
484,468
Share Certificates
1,094
Number of Accounts for Share Drafts
6,480
IRA KEOGH Accounts
295
Number of Accounts for Regular Shares
12,331
Money Market Shares
155
Net Income (unless the amount is already included in Undivided Earnings)
76,433
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,161,635
Total Liabilities
161,718,232
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Heartland Credit Union Inver Grove Heights, MN yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Heartland Credit Union Inver Grove Heights, MN
Frequently Asked Questions About Heartland Credit Union Inver Grove Heights, MNHow many branches does Heartland Credit Union Inver Grove Heights, MN operate?Heartland Credit Union Inver Grove Heights, MN currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Heartland Credit Union Inver Grove Heights, MN?Yes, to access services at Heartland Credit Union Inver Grove Heights, MN, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Heartland Credit Union Inver Grove Heights, MN does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Heartland Credit Union Inver Grove Heights, MN provides members with tools to manage their accounts and build a solid financial history. Does Heartland Credit Union Inver Grove Heights, MN offer online and mobile banking?Most modern institutions like Heartland Credit Union Inver Grove Heights, MN provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.heartlandcu.com. Current Heartland Credit Union Inver Grove Heights, MN Rates
Retrieved from our database of financial products. Rates subject to change.
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