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Heartland Credit Union Hutchinson, KS

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Heartland Credit Union Hutchinson, KS Rates & Review April 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 25, 2026

You can compare Heartland Credit Union Hutchinson, KS rates to other rates in our database, including 12-month share certificate rates currently at 3.25%, 6-month share certificate rates at 3.56% and 3-month share certificate rates at 0.05%. Savings rates are at 0.12% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 5.79%. All these rates can be compared to Heartland Credit Union Hutchinson, KS rates. 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 7.10%. Rates were last updated on 04/25/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.10%

Excellent Higher than avg

Heartland Credit Union Hutchinson, KS
Support Center

4000 N Monroe St
Hutchinson, KS 67502

https://www.hcu.coop/

Current Rate Availability

We do not have Heartland Credit Union Hutchinson, KS rates right now, but we are constantly updating our database so check back often for updated rates.

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 Name Heartland Credit Union Hutchinson, KS

Website https://www.hcu.coop/

Address 4000 N Monroe St, Hutchinson, KS 67502

Phone 620-669-0177

Fax 620-669-8123

President Rex Christner

CEO Dan Springer

Full-Time Employees 147

Part-Time Employees 6

Branch Locations 10

ATM Locations 8

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.10%

Return on Assets (ROA)

0.6784%

Return on Equity (ROE)

7.6349%

Non-Performing Loans Ratio (NPL)

0.75%

Total Assets

673,563,356

Total Amount of Shares and Deposits

559,861,952

Total Shares and Deposits < 1 Year

491,227,076

Total Shares and Deposits 1 3 Years

36,747,613

Total Shares and Deposits > 3 Years

31,887,264

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

34,827,754

Total Uninsured Shares and Deposits > $250K (F+J)

34,827,754

Total Insured Shares and Deposits > $250K (item 17 less item K)

525,034,198

Total Interest Expense (Sum of items 6 8)

9,598,946

Share Certificates

4,759

Number of Accounts for Share Drafts

19,340

IRA KEOGH Accounts

1,123

Number of Accounts for Regular Shares

46,520

All other shares

3,772

Non Member Deposits

Money Market Shares

1,486

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

37,497,181

Total Liabilities

614,172,208

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Heartland Credit Union Hutchinson, KS

Is Heartland Credit Union Hutchinson, KS a safe place to deposit money?

Yes, Heartland Credit Union Hutchinson, KS is considered a safe financial institution. With a Texas Ratio of 7.1000683708505%, 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 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/.