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Heartland Credit Union Springfield, IL

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Heartland Credit Union Springfield, IL Rates & Review November 2026

Q: What are the current interest rates at Heartland Credit Union Springfield, IL?

Current rates for Heartland Credit Union Springfield, IL include: 12-Month CD: 3.61%, 18-Month CD: 3.71%, 24-Month CD: 3.71%, 60-Month CD: 3.56%, Savings: 2.02%, MMA: 3.20%

Q: What CD terms does Heartland Credit Union Springfield, IL offer?

Heartland Credit Union Springfield, IL CD rates are 3.61% APY for a 12 month CD, 3.71% APY for a 13 month CD, 3.71% APY for a 14 month CD, 3.71% APY for a 15 month CD, 3.71% APY for a 16 month CD, 3.71% APY for a 17 month CD, 3.71% APY for an 18 month CD, 3.71% APY for a 2 year CD and 3.56% 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 Springfield, IL for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Heartland Credit Union Springfield, IL's 13 Month CD rates are at 3.71%, 14 Month CD rates are at 3.71%, 15 Month CD rates are at 3.71%, 16 Month CD rates are at 3.71%, 17 Month CD rates are at 3.71%. Heartland Credit Union Springfield, IL's savings rates are at 2.02%. Heartland Credit Union Springfield, IL's money market rates are at 3.20%. Heartland Credit Union Springfield, IL's checking rates are as high as 2.32%. Heartland Credit Union Springfield, IL's Personal Loan Rates are as low as 9.75%. Heartland Credit Union Springfield, IL's CD rates are 32% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 1.20%. Rates last updated and verified on 10/29/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.20%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Heartland Credit Union Springfield, IL
Main

2213 W White Oaks Dr
Springfield, IL 62704

https://www.hcu.org

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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 Springfield, IL CD Rates

Product	Rate	APY	Term
12 Month Kid/Teen Club Add-On Certificate of Deposit	3.80%	3.87%	12 month
Min Balance $25 Details Must be a Kid/Teen Club Member to qualify for rates; $25.00 minimum balance required Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.87% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
13 Month Certificate	3.65%	3.71%	13 month
Min Balance $1,000 Details Early withdrawal penalty: 180 day Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 3.56% → 3.71% ▲ 0.15 pts · high 3.71% / low 3.56% Oct 19, 20263.71%▲ from 3.56% Sep 22, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
14 Month Certificate	3.65%	3.71%	14 month
Min Balance $1,000 Details Early withdrawal penalty: 180 day Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 3.56% → 3.71% ▲ 0.15 pts · high 3.71% / low 3.56% Oct 19, 20263.71%▲ from 3.56% Sep 22, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
15 Month Certificate	3.65%	3.71%	15 Month
Min Balance $1,000 Details Early withdrawal penalty: 180 day Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.71% ▲ 0.15 pts · high 3.71% / low 3.56% Oct 19, 20263.71%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
16 Month Certificate	3.65%	3.71%	16 month
Min Balance $1,000 Details Early withdrawal penalty: 180 day Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 3.56% → 3.71% ▲ 0.15 pts · high 3.71% / low 3.56% Oct 19, 20263.71%▲ from 3.56% Sep 22, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
17 Month Certificate	3.65%	3.71%	17 month
Min Balance $1,000 Details Early withdrawal penalty: 180 day Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 3.56% → 3.71% ▲ 0.15 pts · high 3.71% / low 3.56% Oct 19, 20263.71%▲ from 3.56% Sep 22, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
18 Month Certificate	3.65%	3.71%	18 month
Min Balance $1,000 Details Early withdrawal penalty: 180 day Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.71% ▲ 0.15 pts · high 3.71% / low 3.56% Oct 19, 20263.71%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
24 Month Certificate	3.65%	3.71%	24 month
Min Balance $1,000 Details Early withdrawal penalty: 180 day Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.71% ▲ 0.15 pts · high 3.71% / low 3.56% Oct 19, 20263.71%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
30 Month Certificate	3.65%	3.71%	30 month
Min Balance $1,000 Details Early withdrawal penalty: 180 day Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.71% / low 3.61% Oct 19, 20263.71%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
36 Month Certificate	3.65%	3.71%	36 month
Min Balance $1,000 Details Early withdrawal penalty: 180 day Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.71% / low 3.61% Oct 19, 20263.71%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
12 Month Certificate	3.60%	3.66%	12 month
Min Balance $1,000 Details Early withdrawal penalty: 180 day Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 3.51% → 3.66% ▲ 0.15 pts · high 3.66% / low 3.51% Oct 19, 20263.66%▲ from 3.51% Sep 22, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
11 Month Certificate	3.55%	3.61%	11 month
Min Balance $1,000 Details Early withdrawal penalty: 180 day Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51% Oct 19, 20263.61%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
48 Month Certificate	3.55%	3.61%	48 month
Min Balance $1,000 Details Early withdrawal penalty: 180 day Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.61% ▲ 0.21 pts · high 3.61% / low 3.40% Oct 19, 20263.61%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
6 Month Certificate	3.50%	3.56%	6 month
Min Balance $1,000 Details Early withdrawal penalty: 90 day Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45% Oct 19, 20263.56%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
60 Month Certificate	3.50%	3.56%	60 month
Min Balance $10,000 Details Early withdrawal penalty: 180 day Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.56% ▲ 0.21 pts · high 3.56% / low 3.35% Oct 19, 20263.56%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
7 Month Certificate	3.50%	3.56%	7 month
Min Balance $1,000 Details Early withdrawal penalty: 180 day Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45% Oct 19, 20263.56%▲ from 3.45% Sep 22, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
3 Month Certificate	3.45%	3.51%	3 month
Min Balance $1,000 Details Early withdrawal penalty: 90 day Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.51% ▲ 0.11 pts · high 3.51% / low 3.40% Oct 19, 20263.51%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Heartland Credit Union Springfield, IL Savings Rates

Product	Rate	APY
Round Up Savings	2.00%	2.02%
Details Branch HCU; Selected Rates current as of 10/23/2026, for approved members. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
IRA Savings Account	1.05%	1.06%
Details Branch HCU; Selected Rates current as of 10/23/2026, for approved members. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Christmas Club	0.90%	0.90%
Details Branch HCU; Selected Rates current as of 10/23/2026, for approved members. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Vacation Club	0.90%	0.90%
Details Branch HCU; Selected Rates current as of 10/23/2026, for approved members. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Savings Account	0.85%	0.85%
Details Branch HCU; Selected Rates current as of 10/23/2026, for approved members. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Heartland Credit Union Springfield, IL Money Market Rates

Product	Rate	APY
Platinum Money Market Account	3.15%	3.20%
Min Balance $250,000 Details Balance: $250,000.00 and over Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.09% → 3.20% ▲ 0.11 pts · high 3.20% / low 3.09% Oct 9, 20263.20%▲ from 3.09% Sep 14, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Platinum Money Market Account	2.90%	2.94%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.84% → 2.94% ▲ 0.10 pts · high 2.94% / low 2.84% Oct 9, 20262.94%▲ from 2.84% Sep 14, 20262.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Platinum Money Market Account	2.60%	2.63%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.63% ▲ 0.10 pts · high 2.63% / low 2.53% Oct 9, 20262.63%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Platinum Money Market Account	2.40%	2.43%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.27% → 2.43% ▲ 0.16 pts · high 2.43% / low 2.27% Oct 9, 20262.43%▲ from 2.27% Sep 14, 20262.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Money Market Account	2.35%	2.38%
Min Balance $25,000 Details Balance: $25,000 and above Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.22% → 2.38% ▲ 0.16 pts · high 2.38% / low 2.22% Oct 9, 20262.38%▲ from 2.22% Sep 14, 20262.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Money Market Account	1.60%	1.61%
Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 10/29/2026 Rate History 1 change since Oct 1, 2026 · 1.46% → 1.61% ▲ 0.15 pts · high 1.61% / low 1.46% Oct 9, 20261.61%▲ from 1.46% Oct 1, 20261.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Money Market Account	1.20%	1.21%
Min Balance $2,000 Details Balance: $2,000-$9,999.99 Last Updated 10/29/2026 Rate History 1 change since Oct 1, 2026 · 1.06% → 1.21% ▲ 0.15 pts · high 1.21% / low 1.06% Oct 9, 20261.21%▲ from 1.06% Oct 1, 20261.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Platinum Money Market Account	1.00%	1.00%
Min Balance $0 Details Balance: $0.00 - $24,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.85% → 1.00% ▲ 0.15 pts · high 1.00% / low 0.85% Oct 9, 20261.00%▲ from 0.85% Sep 14, 20260.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Money Market Account	0.00%	0.00%
Min Balance $0 Details Balance: $0-$1,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.20% → 2.35% ▲ 0.15 pts · high 2.35% / low 2.20% Oct 9, 20262.35%▲ from 2.20% Sep 14, 20262.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Heartland Credit Union Springfield, IL Checking Rates

Product	Rate	APY
Money Management Checking	2.30%	2.32%
Min Balance $25,000 Details Branch HCU; Balance: $25,000.00 and above Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 2.17% → 2.32% ▲ 0.15 pts · high 2.32% / low 2.17% Oct 9, 20262.32%▲ from 2.17% Sep 22, 20262.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Money Management Checking	1.55%	1.56%
Min Balance $10,000 Details Branch HCU; Balance: $10,000 - $24,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 1.41% → 1.56% ▲ 0.15 pts · high 1.56% / low 1.41% Oct 9, 20261.56%▲ from 1.41% Sep 22, 20261.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Money Management Checking	1.15%	1.16%
Min Balance $2,000 Details Branch HCU; Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 1.01% → 1.16% ▲ 0.15 pts · high 1.16% / low 1.01% Oct 9, 20261.16%▲ from 1.01% Sep 22, 20261.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Money Management Checking	0.00%	0.00%
Min Balance $0 Details Branch HCU; Balance: $0.00 - $1,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 1.00% → 1.15% ▲ 0.15 pts · high 1.15% / low 1.00% Oct 9, 20261.15%▲ from 1.00% Sep 22, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Heartland Credit Union Springfield, IL Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans - Closed End	-	-	5.50%	60 months
Details First Lien position; Branch HCU; 80% LTV; Selected Rates current as of 10/23/2026; for approved members Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Home Equity Loans - Closed End	-	-	5.75%	84 months
Details First Lien position; Branch HCU; 80% LTV; Selected Rates current as of 10/23/2026; for approved members Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Home Equity Loans - Closed End	-	-	6.00%	120 month
Details First Lien position; Branch HCU; 80% LTV; Selected Rates current as of 10/23/2026; for approved members Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Home Equity Line of Credit - Instant Equity Loan	7.00%	-	7.00%
Details Branch HCU; Selected Rates current as of 10/23/2026, for approved members Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Home Equity Line of Credit - Prime Line Equity Loan	7.00%	-	7.00%
Details Branch HCU; Selected Rates current as of 10/23/2026, for approved members Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Home Equity Loans - Closed End	-	-	7.00%	60 months
Details Second Lien position; Branch HCU; 80% LTV; Selected Rates current as of 10/23/2026; for approved members Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Home Equity Loans - Closed End	-	-	7.25%	84 months
Details Second Lien position; Branch HCU; 80% LTV; Selected Rates current as of 10/23/2026; for approved members Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Home Equity Loans - Closed End	-	-	7.50%	120 month
Details Second Lien position; Branch HCU; 80% LTV; Selected Rates current as of 10/23/2026; for approved members Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Heartland Credit Union Springfield, IL Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.49%	51 months
Details Model Year: 2024 - Newer; 100% financing (including tax, title, and license) available to qualified borrowers Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.39% → 4.49% ▲ 0.10 pts · high 4.49% / low 4.39% Oct 13, 20264.49%▲ from 4.39% Sep 18, 20264.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	4.74%	66 months
Details Model Year: 2024 - Newer; 100% financing (including tax, title, and license) available to qualified borrowers Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.79% → 4.74% ▼ 0.05 pts · high 4.79% / low 4.74% Oct 13, 20264.74%▼ from 4.79% Sep 18, 20264.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	4.84%	51 months
Details Model Year: 2021 - 2023; 100% financing (including tax, title, and license) available to qualified borrowers Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.79% → 4.84% ▲ 0.05 pts · high 4.84% / low 4.79% Oct 13, 20264.84%▲ from 4.79% Sep 18, 20264.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	4.89%	66 months
Details Model Year: 2021 - 2023; 100% financing (including tax, title, and license) available to qualified borrowers Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.79% → 4.89% ▲ 0.10 pts · high 4.89% / low 4.79% Oct 13, 20264.89%▲ from 4.79% Sep 18, 20264.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	4.94%	72 months
Details Model Year: 2024 - Newer; 100% financing (including tax, title, and license) available to qualified borrowers Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.04% → 4.94% ▼ 0.10 pts · high 5.04% / low 4.94% Oct 13, 20264.94%▼ from 5.04% Sep 18, 20265.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	5.144%	72 months
Details Model Year: 2021 - 2023; 100% financing (including tax, title, and license) available to qualified borrowers Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.04% → 5.14% ▲ 0.10 pts · high 5.14% / low 5.04% Oct 13, 20265.14%▲ from 5.04% Sep 18, 20265.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	5.29%	51 months
Details Model Year: 2019 - 2020; 100% financing (including tax, title, and license) available to qualified borrowers Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.79% → 5.29% ▲ 0.50 pts · high 5.29% / low 4.79% Oct 13, 20265.29%▲ from 4.79% Sep 18, 20264.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	5.299%	66 months
Details Model Year: 2019 - 2020; 100% financing (including tax, title, and license) available to qualified borrowers Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.79% → 5.30% ▲ 0.51 pts · high 5.30% / low 4.79% Oct 13, 20265.30%▲ from 4.79% Sep 18, 20264.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	5.44%	78 months
Details Model Year: 2024 - Newer; 100% financing (including tax, title, and license) available to qualified borrowers Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 5.44% ▼ 0.05 pts · high 5.49% / low 5.44% Oct 13, 20265.44%▼ from 5.49% Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	5.54%	72 months
Details Model Year: 2019 - 2020; 100% financing (including tax, title, and license) available to qualified borrowers Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.04% → 5.54% ▲ 0.50 pts · high 5.54% / low 5.04% Oct 13, 20265.54%▲ from 5.04% Sep 18, 20265.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	5.59%	78 months
Details Model Year: 2021 - 2023; 100% financing (including tax, title, and license) available to qualified borrowers Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.64% → 5.59% ▼ 0.05 pts · high 5.64% / low 5.59% Oct 13, 20265.59%▼ from 5.64% Sep 18, 20265.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	6.49%	84 months
Details Model Year: 2024 - Newer; 100% financing (including tax, title, and license) available to qualified borrowers Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.84% → 6.49% ▲ 0.65 pts · high 6.49% / low 5.84% Oct 13, 20266.49%▲ from 5.84% Sep 18, 20265.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	6.54%	78 months
Details Model Year: 2019 - 2020; 100% financing (including tax, title, and license) available to qualified borrowers Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.04% → 6.54% ▲ 0.50 pts · high 6.54% / low 6.04% Oct 13, 20266.54%▲ from 6.04% Sep 18, 20266.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	7.54%	51 months
Details Model Year: 2017 - 2018; 100% financing (including tax, title, and license) available to qualified borrowers Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.54% ▲ 0.05 pts · high 7.54% / low 7.49% Oct 13, 20267.54%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	7.54%	66 months
Details Model Year: 2017 - 2018; 100% financing (including tax, title, and license) available to qualified borrowers Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.04% → 7.54% ▲ 0.50 pts · high 7.54% / low 7.04% Oct 13, 20267.54%▲ from 7.04% Sep 18, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	7.99%	51 months
Details Model Year: 2011 - 2016; 100% financing (including tax, title, and license) available to qualified borrowers Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.99% ▲ 0.50 pts · high 7.99% / low 7.49% Oct 13, 20267.99%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Heartland Credit Union Springfield, IL RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Loans (motorcycles, motorhomes, boats, ATV)	-	6.49%	51 months
Details Model Year: 2024 - Newer Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 9.49% → 6.49% ▼ 3.00 pts · high 9.49% / low 6.49% Oct 13, 20266.49%▼ from 9.49% Sep 14, 20269.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Recreational Loans (motorcycles, motorhomes, boats, ATV)	-	6.49%	66 months
Details Model Year: 2024 - Newer Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Recreational Loans (motorcycles, motorhomes, boats, ATV)	-	6.64%	51 months
Details Model Year: 2021 - 2023 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 9.49% → 6.64% ▼ 2.85 pts · high 9.49% / low 6.64% Oct 13, 20266.64%▼ from 9.49% Sep 14, 20269.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Recreational Loans (motorcycles, motorhomes, boats, ATV)	-	6.64%	66 months
Details Model Year: 2021 - 2023 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Recreational Loans (motorcycles, motorhomes, boats, ATV)	-	7.04%	51 months
Details Model Year: 2019 - 2020 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 9.49% → 7.04% ▼ 2.45 pts · high 9.49% / low 7.04% Oct 13, 20267.04%▼ from 9.49% Sep 14, 20269.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Recreational Loans (motorcycles, motorhomes, boats, ATV)	-	7.04%	66 months
Details Model Year: 2019 - 2020 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.04% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Recreational Loans (motorcycles, motorhomes, boats, ATV)	-	9.29%	51 months
Details Model Year: 2017 - 2018 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 9.49% → 9.29% ▼ 0.20 pts · high 9.49% / low 9.29% Oct 13, 20269.29%▼ from 9.49% Sep 14, 20269.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Recreational Loans (motorcycles, motorhomes, boats, ATV)	-	9.29%	66 months
Details Model Year: 2017 - 2018 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Recreational Loans (motorcycles, motorhomes, boats, ATV)	-	9.74%	51 months
Details Model Year: 2011 - 2016 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 9.49% → 9.74% ▲ 0.25 pts · high 9.74% / low 9.49% Oct 13, 20269.74%▲ from 9.49% Sep 14, 20269.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Heartland Credit Union Springfield, IL Personal Loan Rates

Product	APR	Term
Personal Loan - 24 Month	9.75%	24 month
Details Branch HCU; APR based on credit worthiness and term; Selected rates current as of 10/23/2026, for approved members Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Personal Loan - 36 Months	11.75%	36 months
Details Branch HCU; APR based on credit worthiness and term; Selected rates current as of 10/23/2026, for approved members Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 11.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Personal Loan - 48 Months	12.75%	48 months
Details Branch HCU; APR based on credit worthiness and term; Selected rates current as of 10/23/2026, for approved members Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 12.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Personal Loan - 60 Months	14.75%	60 months
Details Branch HCU; APR based on credit worthiness and term; Selected rates current as of 10/23/2026, for approved members Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 14.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Heartland Credit Union Springfield, IL’s Texas Ratio stayed near 0.98% in Q3 2023 to 1.20% 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

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	$574M	1.20%	5.0	A+
March 31, 2026	$575M	0.86%	5.0	A+
December 31, 2025	$555M	1.08%	5.0	A+
September 30, 2025	$534M	1.10%	5.0	A+
June 30, 2025	$528M	0.93%	5.0	A+
March 31, 2025	$523M	0.90%	5.0	A+
December 31, 2024	$500M	1.11%	5.0	A+
September 30, 2024	$483M	0.94%	5.0	A+
June 30, 2024	$477M	0.81%	5.0	A+
March 31, 2024	$474M	0.76%	5.0	A+
December 31, 2023	$452M	1.62%	5.0	A+
September 30, 2023	$438M	0.98%	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 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 Aaron Rios

Full-Time Employees 76

Part-Time Employees 2

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.20%

Return on Assets (ROA)

0.8904%

Return on Equity (ROE)

6.4782%

Non-Performing Loans Ratio (NPL)

0.25%

Total Assets

573,660,649

Total Amount of Shares and Deposits

494,426,019

Total Shares and Deposits < 1 Year

463,454,819

Total Shares and Deposits 1 3 Years

28,927,367

Total Shares and Deposits > 3 Years

2,043,833

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

30,001,014

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

30,001,014

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

464,425,005

Total Interest Expense (Sum of items 6 8)

4,891,225

Share Certificates

3,537

Number of Accounts for Share Drafts

14,011

IRA KEOGH Accounts

570

Number of Accounts for Regular Shares

42,920

Money Market Shares

2,804

Net Income (unless the amount is already included in Undivided Earnings)

5,107,759

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)

60,431,679

Total Liabilities

495,992,266

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Heartland Credit Union Springfield, IL earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Heartland Credit Union Springfield, IL

Does Heartland Credit Union Springfield, IL offer CDs?

Yes. Heartland Credit Union Springfield, IL current CD rates include its 13 Month CD at 3.71% APY, its 14 Month CD at 3.71% APY and its 15 Month CD at 3.71% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Heartland Credit Union Springfield, IL NCUA insured?

Yes. Heartland Credit Union Springfield, IL 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 Springfield, IL?

The highest Heartland Credit Union Springfield, IL CD rate is its 12 Month Kid/Teen Club Add-On CD of Deposit at 3.87% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Heartland Credit Union Springfield, IL offer?

Heartland Credit Union Springfield, IL CD rates are 3.61% APY for a 12 month CD, 3.71% APY for a 13 month CD, 3.71% APY for a 14 month CD, 3.71% APY for a 15 month CD, 3.71% APY for a 16 month CD, 3.71% APY for a 17 month CD, 3.71% APY for an 18 month CD, 3.71% APY for a 2 year CD and 3.56% 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 Springfield, IL for its full lineup.

What is the highest savings rate at Heartland Credit Union Springfield, IL?

The highest Heartland Credit Union Springfield, IL savings rate is its Round Up Savings at 2.02% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Heartland Credit Union Springfield, IL?

The highest Heartland Credit Union Springfield, IL money market rate is its Platinum Money Market Account at 3.20% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Heartland Credit Union Springfield, IL?

The highest Heartland Credit Union Springfield, IL checking rate is its Money Management Checking at 2.32% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Heartland Credit Union Springfield, IL?

The lowest Heartland Credit Union Springfield, IL auto loan rate is its Auto Loan at 4.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Heartland Credit Union Springfield, IL?

The lowest Heartland Credit Union Springfield, IL personal loan rate is its Personal Loan - 24 Month at 9.75% APR, verified by MonitorBankRates as of October 29, 2026. Heartland Credit Union Springfield, IL personal loan rates are 9.75% APR for a 24 month personal loan, 11.75% APR for a 36 month personal loan, 12.75% APR for a 48 month personal loan and 14.75% APR for a 60 month personal loan.

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.

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 Springfield, IL rates compare?

Heartland Credit Union Springfield, IL's CD rates are 32% higher than the MonitorBankRates national average, and it has an A+ health rating. Heartland Credit Union Springfield, IL's top rates are its 12 Month Kid/Teen Club Add-On CD of Deposit at 3.87% APY, its Round Up Savings at 2.02% APY, its Platinum Money Market Account at 3.20% APY, its Money Management Checking at 2.32% APY and its Personal Loan - 24 Month at 9.75% APR, verified by MonitorBankRates on October 29, 2026.

Current Heartland Credit Union Springfield, IL Rates

12-Month CD3.61%
18-Month CD3.71%
24-Month CD3.71%
60-Month CD3.56%
Savings2.02%
MMA3.20%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Heartland Credit Union Springfield, IL Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Heartland Credit Union Springfield, IL Texas Ratio

Heartland Credit Union Springfield, IL Health Trend

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 Home Equity & HELOC

Heartland Credit Union Springfield, IL Auto Loan Rates

Heartland Credit Union Springfield, IL RV, Boat and Powersport Loan Rates

Heartland Credit Union Springfield, IL Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Heartland Credit Union Springfield, IL earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Heartland Credit Union Springfield, IL

Does Heartland Credit Union Springfield, IL offer CDs?

Are CDs from Heartland Credit Union Springfield, IL NCUA insured?

What is the highest CD rate at Heartland Credit Union Springfield, IL?

What CD terms does Heartland Credit Union Springfield, IL offer?

What is the highest savings rate at Heartland Credit Union Springfield, IL?

What is the highest money market rate at Heartland Credit Union Springfield, IL?

What is the highest checking rate at Heartland Credit Union Springfield, IL?

What is the lowest auto loan rate at Heartland Credit Union Springfield, IL?

What is the lowest personal loan rate at Heartland Credit Union Springfield, IL?

How many branches does Heartland Credit Union Springfield, IL operate?

Is a member application needed to join Heartland Credit Union Springfield, IL?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Heartland Credit Union Springfield, IL offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Heartland Credit Union Springfield, IL rates compare?

Current Heartland Credit Union Springfield, IL Rates

Compare to Other Credit Unions