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Heartland Credit Union Hutchinson, KS Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 29, 2026
Heartland Credit Union Hutchinson, KS's 48 Month CD rates are at 4.55%, 21-Month CD rates are at 4.30%, 24 Month CD rates are at 3.05%, 36 Month CD rates are at 3.05%, 60 Month CD rates are at 3.05%. Heartland Credit Union Hutchinson, KS's savings rates are at 0.05%. Heartland Credit Union Hutchinson, KS's money market rates are at 3.50%. Heartland Credit Union Hutchinson, KS's checking rates are as high as 3.00%. Heartland Credit Union Hutchinson, KS's Personal Loan Rates are as low as 12.99%. Heartland Credit Union Hutchinson, KS's Credit Card Rates are at 13.49%. Heartland Credit Union Hutchinson, KS's CD rates are 2% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Heartland Credit Union Hutchinson, KS with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.12%. Rates last updated and verified on 10/29/2026.
Heartland Credit Union Hutchinson, KS 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 Hutchinson, KS? Share your experience about Heartland Credit Union Hutchinson, KS by leaving a review below, or read customer reviews before you decide to use Heartland Credit Union Hutchinson, KS.
Heartland Credit Union Hutchinson, KS has earned an overall safety grade of A (Excellent, Score: 95/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Heartland Credit Union Hutchinson, KS has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
9.12%
ExcellentHigher than avg
Heartland Credit Union Hutchinson, KS Texas Ratio
Heartland Credit Union Hutchinson, KS's Texas Ratio is 9.12%, which is considered excellent and is higher than the national average of 6.13%.
Heartland Credit Union Hutchinson, KS has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Heartland Credit Union Hutchinson, KS Health Trend
12.35% to 9.12% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A to A
The Texas Ratio for this credit union has improved since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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 Hutchinson, KS CD Rates
Product
Rate
APY
Term
View More
48 Month Certificate
-
4.55%
48 months
Min Balance$250,000
DetailsBalance: $250,000 and up
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
48 Month Certificate
-
4.50%
48 months
Min Balance$500
DetailsBalance: $500 - $249,999
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
16-Month Promo Certificate
-
4.30%
16-Month
Min Balance$250,000
DetailsBalance: $250,000+
Last Updated10/29/2026
Rate History
1 change since Sep 30, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
Oct 29, 20264.30%▲ from 4.05%
Sep 30, 20264.05%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
21-Month Certificate
-
4.30%
21 months
Min Deposit$500
DetailsEarn up to 4.30% APY; Minimum $500 opening deposit, $100 for youth accounts
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 4.30% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
21-Month Promo
-
4.30%
21 months
Min Balance$250,000
DetailsBalance: $250,000 and over
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 4.30% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
16-Month Promo Certificate
-
4.25%
16-Month
Min Balance$500
DetailsBalance: $500 - $249,999
Last Updated10/29/2026
Rate History
1 change since Sep 30, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Oct 29, 20264.25%▲ from 4.00%
Sep 30, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
21-Month Promo
-
4.25%
21 months
Min Balance$500
DetailsBalance: $500 - $249,999
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
11-Month Promo
-
4.05%
11 months
Min Balance$250,000
DetailsBalance: $250,000 and over; APY footnote: Annual Percentage Yield
Last Updated10/29/2026
Rate History
1 change since Oct 14, 2026 · 4.30% → 4.05% ▼ 0.25 pts · high 4.30% / low 4.05%
1 change since Oct 14, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00%
Oct 29, 20264.00%▼ from 4.25%
Oct 14, 20264.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
24 Month Certificate
-
3.05%
24 months
Min Balance$250,000
DetailsBalance: $250,000 and up
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
36 Month Certificate
-
3.05%
36 months
Min Balance$250,000
DetailsBalance: $250,000 and up
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
60 Month Certificate
-
3.05%
60 months
Min Balance$250,000
DetailsBalance: $250,000 and up
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
30 Month Savings Certificate
-
3.03%
30 months
Min Balance$500
DetailsBalance: $500 and up
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.03% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
24 Month Certificate
-
3.00%
24 months
Min Balance$500
DetailsBalance: $500 - $249,999
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
36 Month Certificate
-
3.00%
36 months
Min Balance$500
DetailsBalance: $500 - $249,999
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
60 Month Certificate
-
3.00%
60 months
Min Balance$500
DetailsBalance: $500 - $249,999
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
12 Month Certificate
-
2.55%
12 months
Min Balance$250,000
DetailsBalance: $250,000 and up
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 2.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
6 Month Certificate
-
2.55%
6 months
Min Balance$250,000
DetailsBalance: $250,000 and up
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 2.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
12 Month Certificate
-
2.50%
12 months
Min Balance$500
DetailsBalance: $500 - $249,999
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
6 Month Certificate
-
2.50%
6 months
Min Balance$500
DetailsBalance: $500 - $249,999
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
3 Month Certificate
-
0.20%
3 months
Min Balance$250,000
DetailsBalance: $250,000 and up
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 0.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
3 Month Certificate
-
0.15%
3 months
Min Balance$500
DetailsBalance: $500 - $249,999
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 0.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Heartland Credit Union Hutchinson, KS Business CD Rates
Product
Rate
APY
Term
View More
Business Certificates - 48 month
-
4.50%
48 months
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
30 Month Business Certificates
-
3.03%
30 months
Min Balance$500
DetailsBalance: $500 and up
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Business Certificates - 24 month
-
3.00%
24 months
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Business Certificates - 36 month
-
3.00%
36 months
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Business Certificates - 60 month
-
3.00%
60 months
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Business Certificates - 12 month
-
2.50%
12 months
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Business Certificates - 6 month
-
2.50%
6 months
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Business Certificates - 3 month
-
0.15%
3 months
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Heartland Credit Union Hutchinson, KS Savings Rates
Product
Rate
APY
View More
IRA and HSA Shares
-
0.25%
Min Balance$100
DetailsIRA and HSA shares earn 0.25% APY. Minimum $100 balance.
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Gateway Savings
-
0.05%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Prime Share
-
0.05%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Smart Start Savings
-
0.05%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Heartland Credit Union Hutchinson, KS Business Savings Rates
Product
Rate
APY
View More
Business Prime Share
-
0.05%
DetailsBusiness Savings
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Heartland Credit Union Hutchinson, KS Money Market Rates
Product
Rate
APY
View More
Money Market
-
2.25%
Min Deposit$25
Min Balance$1,000,000
DetailsBalance: $1,000,000 and over
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 2.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Money Market
-
2.00%
Min Deposit$25
Min Balance$500,000
DetailsBalance: $500,000 - $999,999
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 2.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Money Market
-
1.70%
Min Deposit$25
Min Balance$250,000
DetailsBalance: $250,000 - $499,999
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 1.70% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Money Market
-
1.50%
Min Deposit$25
Min Balance$100,000
DetailsBalance: $100,000 - $249,999
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 1.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Money Market
-
1.10%
Min Deposit$25
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 1.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Money Market
-
1.00%
Min Deposit$25
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Money Market
-
0.05%
Min Deposit$25
Min Balance$10,000
DetailsBalance: $10,000 - $24,999
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Heartland Credit Union Hutchinson, KS Business Money Market Rates
Product
Rate
APY
View More
Business Money Market
-
3.50%
Min Deposit$25
Min Balance$1,000,000
DetailsBalance: $1,000,000 and over
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 3.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Business Money Market
-
2.00%
Min Deposit$25
Min Balance$500,000
DetailsBalance: $500,000 - $999,999
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 2.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Business Money Market
-
1.70%
Min Deposit$25
Min Balance$250,000
DetailsBalance: $250,000 - $499,999
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 1.70% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Business Money Market
-
1.50%
Min Deposit$25
Min Balance$100,000
DetailsBalance: $100,000 - $249,999
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 1.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Business Money Market
-
1.10%
Min Deposit$25
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 1.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Business Money Market
-
1.00%
Min Deposit$25
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Business Money Market
-
0.05%
Min Deposit$25
Min Balance$10,000
DetailsBalance: $10,000 - $24,999
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Heartland Credit Union Hutchinson, KS Business Checking Rates
Product
Rate
APY
View More
Advanced Business Checking
-
3.00%
Min Balance$1,000,000
DetailsBalance: $1,000,000+; APY*
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Advanced Business Checking
-
2.75%
Min Balance$500,000
DetailsBalance: $500,000 - $999,999; APY*
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 2.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Advanced Business Checking
-
2.00%
Min Balance$100,000
DetailsBalance: $100,000 - $499,999; APY*
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 2.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Advanced Business Checking
-
0.15%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999; APY*
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Advanced Business Checking
-
0.10%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999; APY*
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Advanced Business Checking
-
0.05%
Min Balance$2,500
DetailsBalance: $2,500 - $24,999; APY*
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Simply Business Checking
-
0.00%
Min Balance$0
DetailsBalance: $0+; APY*
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Heartland Credit Union Hutchinson, KS Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit - 12-Month Introductory Offer
-
-
6.49%
DetailsFixed APR; 6.49% introductory APR in effect for the first twelve months after line of credit is opened; upon expiration, balances accrue at variable standard APR (Prime minus .01% to Prime +.99%, floor 3.25%, not to exceed 18%); no application or origination fees for qualifying members with active Spending account with direct deposit, $49 origination fee for non-qualifying accounts; new Home Equity Lines of Credit only
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Home Equity Lines of Credit - 12-Month Introductory Offer
-
-
6.49%
DetailsFixed APR; 6.49% introductory APR for the first twelve months, then variable standard APR (Prime minus .01% to Prime +.99%, floor 3.25%, not to exceed 18%); new Home Equity Lines of Credit only; no application or origination fees for qualifying members with an active Spending account with direct deposit, otherwise $49 origination fee
Last Updated10/29/2026
Rate History
No change since Oct 14, 2026 · 6.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Home Equity Line of Credit - Flex HELOC <= 80% LTV
-
-
6.99%
DetailsVariable APR; LTV <= 80%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Home Equity Lines of Credit - Flex HELOC <= 80% LTV
-
-
6.99%
DetailsVariable APR; LTV <= 80%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Home Equity Line of Credit - Flex HELOC > 80% LTV
-
-
7.99%
DetailsVariable APR; LTV > 80%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Home Equity Lines of Credit - Flex HELOC > 80% LTV
-
-
7.99%
DetailsVariable APR; LTV > 80%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Heartland Credit Union Hutchinson, KS Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan - Includes Touring Motorcycles > 1200 CC
-
-
5.24%
Up to 48 months
DetailsAs Low As; Membership required; Assumes credit score 725+ on new-to-HCU $20,000 fixed secured loan, 2022 or newer vehicle
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 5.24% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Auto Loan - Includes Touring Motorcycles > 1200 CC
-
-
5.24%
Up to 60 months
DetailsAs Low As; Membership required; Assumes credit score 725+ on new-to-HCU $20,000 fixed secured loan, 2022 or newer vehicle
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 5.24% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Auto Loan - Includes Touring Motorcycles > 1200 CC
-
-
5.49%
Up to 72 months
DetailsAs Low As; Membership required; Assumes credit score 725+ on new-to-HCU $20,000 fixed secured loan, 2022 or newer vehicle
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 5.49% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Heartland Credit Union Hutchinson, KS RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycle Loan (Cruiser, Sportbikes, Scooters)
-
8.99%
Up to 48 months
DetailsAs Low As; APR assumes credit score 725+, new to HCU $12,000 fixed secured loan, 2023 or newer vehicle with less than 150,000 miles, HCU Beyond Ultimate or Essential account with direct deposit and auto-pay; Membership required
Last Updated10/29/2026
Rate History
1 change since Oct 26, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74%
1 change since Oct 14, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74%
Oct 29, 20268.99%▲ from 8.74%
Oct 14, 20268.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Motorcycle Loan (Cruiser, Sportbikes, Scooters)
-
9.74%
Up to 60 months
DetailsAs Low As; APR assumes credit score 725+, new to HCU $12,000 fixed secured loan, 2023 or newer vehicle with less than 150,000 miles, HCU Beyond Ultimate or Essential account with direct deposit and auto-pay; Membership required
Last Updated10/29/2026
Rate History
1 change since Oct 26, 2026 · 9.49% → 9.74% ▲ 0.25 pts · high 9.74% / low 9.49%
1 change since Oct 14, 2026 · 9.49% → 9.74% ▲ 0.25 pts · high 9.74% / low 9.49%
Oct 29, 20269.74%▲ from 9.49%
Oct 14, 20269.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Motorcycle Loan (Cruiser, Sportbikes, Scooters)
-
9.99%
Up to 72 months
DetailsAs Low As; APR assumes credit score 725+, new to HCU $12,000 fixed secured loan, 2023 or newer vehicle with less than 150,000 miles, HCU Beyond Ultimate or Essential account with direct deposit and auto-pay; Membership required
Last Updated10/29/2026
Rate History
1 change since Oct 26, 2026 · 9.74% → 9.99% ▲ 0.25 pts · high 9.99% / low 9.74%
No change since Sep 30, 2026 · 0.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Beyond Ultimate
-
-
0.10%
Min Balance$25,000
DetailsBalance: $25,000+; Beyond Spending Account
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
IRA and HSA Certificate - 12 months
-
-
2.50%
12 months
Min Balance$500
DetailsIncludes Traditional, Roth, Coverdell, and SEP accounts; minimum investment for an IRA certificate is $500.00
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 2.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
IRA and HSA Certificate - 24 months
-
-
3.00%
24 months
Min Balance$500
DetailsIncludes Traditional, Roth, Coverdell, and SEP accounts; minimum investment for an IRA certificate is $500.00
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
IRA and HSA Certificate - 3 months
-
-
0.15%
3 months
Min Balance$500
DetailsIncludes Traditional, Roth, Coverdell, and SEP accounts; minimum investment for an IRA certificate is $500.00
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
IRA and HSA Certificate - 36 months
-
-
3.00%
36 months
Min Balance$500
DetailsIncludes Traditional, Roth, Coverdell, and SEP accounts; minimum investment for an IRA certificate is $500.00
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
IRA and HSA Certificate - 48 months
-
-
4.50%
48 months
Min Balance$500
DetailsIncludes Traditional, Roth, Coverdell, and SEP accounts; minimum investment for an IRA certificate is $500.00
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
IRA and HSA Certificate - 6 months
-
-
2.50%
6 months
Min Balance$500
DetailsIncludes Traditional, Roth, Coverdell, and SEP accounts; minimum investment for an IRA certificate is $500.00
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 2.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
IRA and HSA Certificate - 60 months
-
-
3.00%
60 months
Min Balance$500
DetailsIncludes Traditional, Roth, Coverdell, and SEP accounts; minimum investment for an IRA certificate is $500.00
Last Updated10/29/2026
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Financial Health History
Heartland Credit Union Hutchinson, KS’s Texas Ratio fell from 12.35% in Q3 2023 to 9.12% in Q2 2026, so its financial health has improved 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 green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$726M
9.12%
5.0
A
March 31, 2026
$709M
6.31%
5.0
A
December 31, 2025
$690M
7.56%
5.0
A
September 30, 2025
$674M
6.32%
5.0
A
June 30, 2025
$667M
6.85%
5.0
A
March 31, 2025
$654M
8.81%
5.0
A
December 31, 2024
$644M
11.52%
5.0
A
September 30, 2024
$648M
15.05%
5.0
A-
June 30, 2024
$639M
10.96%
5.0
A
March 31, 2024
$632M
9.48%
5.0
A
December 31, 2023
$618M
12.91%
5.0
A
September 30, 2023
$622M
12.35%
5.0
A
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Heartland Credit Union Hutchinson, KS 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 Hutchinson, KS 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 Hutchinson, KS's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameHeartland Credit Union Hutchinson, KS
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
41,853,117
Total Uninsured Shares and Deposits > $250K (F+J)
41,853,117
Total Insured Shares and Deposits > $250K (item 17 less item K)
556,903,282
Total Interest Expense (Sum of items 6 8)
6,827,067
Share Certificates
5,076
Number of Accounts for Share Drafts
19,720
IRA KEOGH Accounts
1,097
Number of Accounts for Regular Shares
47,883
All other shares
4,020
Non Member Deposits
13
Money Market Shares
1,461
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)
27,403,356
Total Liabilities
655,721,595
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Heartland Credit Union Hutchinson, KS earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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☆☆☆☆☆
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0
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Frequently Asked Questions About Heartland Credit Union Hutchinson, KS
Does Heartland Credit Union Hutchinson, KS offer CDs?
Yes. Heartland Credit Union Hutchinson, KS current CD rates include its 48 Month CD at 4.55% APY, its 21-Month CD at 4.30% APY and its 24 Month CD at 3.05% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Heartland Credit Union Hutchinson, KS NCUA insured?
Yes. Heartland Credit Union Hutchinson, KS 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 Hutchinson, KS?
The highest Heartland Credit Union Hutchinson, KS CD rate is its 48 Month CD at 4.55% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Heartland Credit Union Hutchinson, KS offer?
Heartland Credit Union Hutchinson, KS CD rates are 2.50% APY for a 12 month CD, 4.30% APY for a 21 month CD, 3.05% APY for a 2 year CD, 3.05% APY for a 3 year CD, 4.55% APY for a 4 year CD and 3.05% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Heartland Credit Union Hutchinson, KS for its full lineup.
What is the highest savings rate at Heartland Credit Union Hutchinson, KS?
The highest Heartland Credit Union Hutchinson, KS savings rate is its Gateway Savings at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Heartland Credit Union Hutchinson, KS?
The highest Heartland Credit Union Hutchinson, KS money market rate is its Business Money Market at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Heartland Credit Union Hutchinson, KS?
The highest Heartland Credit Union Hutchinson, KS checking rate is its Advanced Business Checking at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Heartland Credit Union Hutchinson, KS?
The lowest Heartland Credit Union Hutchinson, KS auto loan rate is its Auto Loan - Includes Touring Motorcycles > 1200 CC at 5.24% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Heartland Credit Union Hutchinson, KS?
The lowest Heartland Credit Union Hutchinson, KS personal loan rate is its Signature Loan at 12.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at Heartland Credit Union Hutchinson, KS?
The lowest Heartland Credit Union Hutchinson, KS credit card APR is its Everyday VISA Credit Card at 13.49% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Heartland Credit Union Hutchinson, KS operate?
Heartland Credit Union Hutchinson, KS 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 Hutchinson, KS?
Yes, to access services at Heartland Credit Union Hutchinson, KS, 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 Hutchinson, KS 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 Hutchinson, KS provides members with tools to manage their accounts and build a solid financial history.
Does Heartland Credit Union Hutchinson, KS offer online and mobile banking?
Most modern institutions like Heartland Credit Union Hutchinson, KS 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.coop/.
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 Hutchinson, KS rates compare?
Heartland Credit Union Hutchinson, KS's CD rates are 2% higher than the MonitorBankRates national average, and it has an A health rating. Heartland Credit Union Hutchinson, KS's top rates are its 48 Month CD at 4.55% APY, its Gateway Savings at 0.05% APY, its Business Money Market at 3.50% APY, its Advanced Business Checking at 3.00% APY, its Signature Loan at 12.99% APR and its Everyday VISA Credit Card at 13.49% APR, verified by MonitorBankRates on October 29, 2026.
Current Heartland Credit Union Hutchinson, KS Rates
12-Month CD2.50%
24-Month CD3.00%
60-Month CD3.00%
Savings0.05%
MMA3.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
