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 Heartland Credit Union Springfield, IL Rates & Review April 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: April 8, 2026
Heartland Credit Union Springfield, IL's Kid/Teen Club Add-On CD of Deposit 12 month* rates are at 3.76%, 30 month CD rates are at 3.61%, 36 month CD rates are at 3.61%, 6 month CD rates are at 3.57%, 7 month CD rates are at 3.57%. Heartland Credit Union Springfield, IL's savings rates are at 0.00%. Heartland Credit Union Springfield, IL's money market rates are at 0.00%. Heartland Credit Union Springfield, IL's 10-Year Fixed rates are at 5.50%, 15-Year Fixed rates are at 5.75%, 20-Year Fixed rates are at 6.00%, 30-Year Fixed rates are at 6.38%. Heartland Credit Union Springfield, IL's Personal Loan Rates are at 3.99%. MonitorBankRates evaluates the financial stability of Heartland Credit Union Springfield, IL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.13%. Rates were last updated on 04/08/2026. Heartland Credit Union Springfield, IL 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 Springfield, IL? Share your experience about Heartland Credit Union Springfield, IL by leaving a review below, or read customer reviews before you decide to use Heartland Credit Union Springfield, IL. Heartland Credit Union Springfield, IL
Main 2213 W White Oaks Dr
https://www.hcu.org Springfield, IL 62704 
Heartland Credit Union Springfield, IL CD Rates
Heartland Credit Union Springfield, IL Savings Rates
Heartland Credit Union Springfield, IL Money Market Rates
Heartland Credit Union Springfield, IL Checking Rates
Heartland Credit Union Springfield, IL Mortgage Rates
Heartland Credit Union Springfield, IL Home Equity & HELOC
Heartland Credit Union Springfield, IL Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Heartland Credit Union Springfield, IL 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 Springfield, IL 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 Springfield, IL's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Heartland Credit Union Springfield, IL
Website
https://www.hcu.org
Address
2213 W White Oaks Dr,
Springfield, IL 62704
Phone
217-726-8877
Fax
217-726-2157
President
Jane Kiel
CEO
Tom Lex
Full-Time Employees
77
Part-Time Employees
2
Branch Locations
3
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
1.13%
Return on Assets (ROA)
1.4097%
Return on Equity (ROE)
10.4933%
Non-Performing Loans Ratio (NPL)
0.21%
Total Assets
534,171,011
Total Amount of Shares and Deposits
460,592,561
Total Shares and Deposits < 1 Year
427,566,465
Total Shares and Deposits 1 3 Years
28,195,323
Total Shares and Deposits > 3 Years
4,830,773
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
27,240,859
Total Uninsured Shares and Deposits > $250K (F+J)
27,240,859
Total Insured Shares and Deposits > $250K (item 17 less item K)
433,351,702
Total Interest Expense (Sum of items 6 8)
6,807,365
Share Certificates
3,547
Number of Accounts for Share Drafts
13,733
IRA KEOGH Accounts
570
Number of Accounts for Regular Shares
42,296
Money Market Shares
2,681
Net Income (unless the amount is already included in Undivided Earnings)
7,530,413
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
84,611,442
Total Liabilities
462,833,865
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Heartland Credit Union Springfield, ILIs Heartland Credit Union Springfield, IL a safe place to deposit money?Yes, Heartland Credit Union Springfield, IL is considered a safe financial institution. With a Texas Ratio of 1.1299338273245%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Heartland Credit Union Springfield, IL operate?Heartland Credit Union Springfield, IL 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 Springfield, IL?Yes, to access services at Heartland Credit Union Springfield, IL, 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 Springfield, IL 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 Springfield, IL provides members with tools to manage their accounts and build a solid financial history. Does Heartland Credit Union Springfield, IL offer online and mobile banking?Most modern institutions like Heartland Credit Union Springfield, IL 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.hcu.org. Current Heartland Credit Union Springfield, IL Rates
Retrieved from our database of financial products. Rates subject to change.
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