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 Heartland Credit Union Inver Grove Heights, MN Rates & Review October 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.
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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: October 19, 2026
Heartland Credit Union Inver Grove Heights, MN's CD of Deposit+ - 7 Month Special rates are at 4.00%, CD of Deposit+ - 12 month rates are at 2.25%, CD of Deposit+ - 18 month rates are at 2.25%, CD of Deposit+ - 48 month rates are at 2.25%, CD of Deposit+ - 60 month rates are at 2.25%. Heartland Credit Union Inver Grove Heights, MN's savings rates are at 2.55%. Heartland Credit Union Inver Grove Heights, MN's money market rates are at 0.50%. Heartland Credit Union Inver Grove Heights, MN's checking rates are as high as 1.75%. Heartland Credit Union Inver Grove Heights, MN's Personal Loan Rates are as low as 11.49%. Heartland Credit Union Inver Grove Heights, MN's Credit Card Rates are at 10.90%. 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 4.68%. Rates last updated and verified on 10/19/2026. 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  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 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 Business Savings Rates
Heartland Credit Union Inver Grove Heights, MN Business Money Market Rates
Heartland Credit Union Inver Grove Heights, MN Checking Rates
Heartland Credit Union Inver Grove Heights, MN Business 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 RV, Boat and Powersport Loan Rates
Heartland Credit Union Inver Grove Heights, MN Student Loan Rates
Heartland Credit Union Inver Grove Heights, MN Credit Card Rates
Heartland Credit Union Inver Grove Heights, MN Personal Loan Rates
Heartland Credit Union Inver Grove Heights, MN Other Rates
Financial Health HistoryHeartland Credit Union Inver Grove Heights, MN’s Texas Ratio rose from 2.40% in Q3 2023 to 4.68% in Q2 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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
30
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+ (98/100)
Texas Ratio
4.68%
Return on Assets (ROA)
0.0168%
Return on Equity (ROE)
0.1664%
Non-Performing Loans Ratio (NPL)
0.83%
Total Assets
172,007,628
Total Amount of Shares and Deposits
148,223,403
Total Shares and Deposits < 1 Year
144,516,803
Total Shares and Deposits 1 3 Years
2,319,730
Total Shares and Deposits > 3 Years
1,386,870
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,862,473
Total Uninsured Shares and Deposits > $250K (F+J)
7,862,473
Total Insured Shares and Deposits > $250K (item 17 less item K)
140,360,930
Total Interest Expense (Sum of items 6 8)
959,943
Share Certificates
1,065
Number of Accounts for Share Drafts
6,775
IRA KEOGH Accounts
274
Number of Accounts for Regular Shares
12,559
Money Market Shares
151
Net Income (unless the amount is already included in Undivided Earnings)
131,687
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)
844,186
Total Liabilities
157,482,104
Source: NCUA — Last Updated 06/30/2026
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Frequently Asked Questions About Heartland Credit Union Inver Grove Heights, MNDoes Heartland Credit Union Inver Grove Heights, MN offer CDs?Yes. Heartland Credit Union Inver Grove Heights, MN offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from Heartland Credit Union Inver Grove Heights, MN NCUA insured?Yes. Heartland Credit Union Inver Grove Heights, MN is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Heartland Credit Union Inver Grove Heights, MN?The highest CD rate MonitorBankRates has verified for Heartland Credit Union Inver Grove Heights, MN is 4.00% APY on its CD of Deposit+ - 7 Month Special, as of October 19, 2026. What CD terms does Heartland Credit Union Inver Grove Heights, MN offer?The Heartland Credit Union Inver Grove Heights, MN CD terms we track include 7 month, 12 month, 18 month, 2 year, 4 year and 5 year terms, with rates from 2.25% to 4.00% APY. The institution may offer other terms or specials that are not listed here, so check with Heartland Credit Union Inver Grove Heights, MN for its full lineup. What is the highest savings rate at Heartland Credit Union Inver Grove Heights, MN?The highest savings rate MonitorBankRates has verified for Heartland Credit Union Inver Grove Heights, MN is 2.55% APY on its High-Yield Savings, as of October 19, 2026. What is the highest money market rate at Heartland Credit Union Inver Grove Heights, MN?The highest money market rate MonitorBankRates has verified for Heartland Credit Union Inver Grove Heights, MN is 0.50% APY on its Money Market/Business Money Market, as of October 19, 2026. What is the highest checking rate at Heartland Credit Union Inver Grove Heights, MN?The highest checking rate MonitorBankRates has verified for Heartland Credit Union Inver Grove Heights, MN is 1.75% APY on its Incentive Checking, as of October 19, 2026. What is the lowest auto loan rate at Heartland Credit Union Inver Grove Heights, MN?The lowest auto loan rate MonitorBankRates has verified for Heartland Credit Union Inver Grove Heights, MN is 4.49% APR on its Auto Loan - New & Used Vehicle, as of October 19, 2026. What is the lowest personal loan rate at Heartland Credit Union Inver Grove Heights, MN?The lowest personal loan rate MonitorBankRates has verified for Heartland Credit Union Inver Grove Heights, MN is 11.49% APR on its Home Improvement+ (Unsecured) Loan, as of October 19, 2026. What is the lowest credit card APR at Heartland Credit Union Inver Grove Heights, MN?The lowest credit card rate MonitorBankRates has verified for Heartland Credit Union Inver Grove Heights, MN is 10.90% APR on its Visa Platinum Credit Card, as of October 19, 2026. How 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Heartland Credit Union Inver Grove Heights, MN rates compare?Heartland Credit Union Inver Grove Heights, MN's top rates are 4.00% APY on its CD of Deposit+ - 7 Month Special, 2.55% APY on savings, 0.50% APY on money market, 1.75% APY on checking, personal loans from 11.49% APR and credit cards from 10.90% APR, verified by MonitorBankRates on October 19, 2026. To compare Heartland Credit Union Inver Grove Heights, MN with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country. Current Heartland Credit Union Inver Grove Heights, MN Rates
Retrieved from our database of financial products. Rates subject to change.
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