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iAdvertiser Disclosure
Advertiser Disclosure
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 Heartland Area Federal Credit Union 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 11, 2026
Heartland Area Federal Credit Union's 6 CDs rates are at 4.00%. Heartland Area Federal Credit Union's Personal Loan Rates are at 3.99%. MonitorBankRates evaluates the financial stability of Heartland Area Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.70%. Rates were last updated on 04/11/2026. Heartland Area Federal Credit Union 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 Area Federal Credit Union? Share your experience about Heartland Area Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Heartland Area Federal Credit Union. Heartland Area Federal Credit Union
Heartland Area Federal Credit Union 6111 N 72nd St
https://www.heartlandfcu.org Omaha, NE 68134 2103 
Heartland Area Federal Credit Union CD Rates
Heartland Area Federal Credit Union Home Equity & HELOC
Heartland Area Federal Credit Union Auto Loan Rates
Heartland Area Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Heartland Area Federal Credit Union 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 Area Federal Credit Union 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 Area Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Heartland Area Federal Credit Union
Website
https://www.heartlandfcu.org
Address
6111 N 72nd St,
Omaha, NE 68134 2103
Phone
402-571-8444
Fax
402-571-0462
President
Margaret Righter
CEO
Cathy Banks
Full-Time Employees
8
Part-Time Employees
0
Branch Locations
2
ATM Locations
0
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
3.70%
Return on Assets (ROA)
-0.2626%
Return on Equity (ROE)
-1.3487%
Non-Performing Loans Ratio (NPL)
1.83%
Total Assets
28,759,788
Total Amount of Shares and Deposits
22,995,637
Total Shares and Deposits < 1 Year
22,512,019
Total Shares and Deposits 1 3 Years
482,866
Total Shares and Deposits > 3 Years
752
Total Insured Shares and Deposits > $250K (item 17 less item K)
22,995,637
Total Interest Expense (Sum of items 6 8)
25,397
Share Certificates
86
Number of Accounts for Share Drafts
1,084
IRA KEOGH Accounts
126
Number of Accounts for Regular Shares
2,280
All other shares
73
Net Income (unless the amount is already included in Undivided Earnings)
-75,518
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,589,494
Total Liabilities
23,160,611
Source: NCUA — Last Updated 03/31/2024
Frequently Asked Questions About Heartland Area Federal Credit UnionIs Heartland Area Federal Credit Union a safe place to deposit money?Yes, Heartland Area Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.7005617075509%, 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 Area Federal Credit Union operate?Heartland Area Federal Credit Union 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 Area Federal Credit Union?Yes, to access services at Heartland Area Federal Credit Union, 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 Area Federal Credit Union 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 Area Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Heartland Area Federal Credit Union offer online and mobile banking?Most modern institutions like Heartland Area Federal Credit Union 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.heartlandfcu.org. Compare to Other Credit Unions
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