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Heartland Credit Union Madison, WI

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Heartland Credit Union Madison, WI Rates & Review November 2026

Q: What are the current interest rates at Heartland Credit Union Madison, WI?

Current rates for Heartland Credit Union Madison, WI include: 12-Month CD: 2.00%, 18-Month CD: 3.05%, 24-Month CD: 3.60%, 60-Month CD: 3.50%, Savings: 0.25%, MMA: 3.00%

Q: What CD terms does Heartland Credit Union Madison, WI offer?

Heartland Credit Union Madison, WI CD rates are 2.00% APY for a 12 month CD, 3.05% APY for an 18 month CD, 3.60% APY for a 2 year CD, 3.50% APY for a 3 year CD, 3.50% APY for a 4 year CD and 3.50% 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 Madison, WI for its full lineup.

Content reviewed by

Brian McKay

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

Heartland Credit Union Madison, WI's 24 Month CD rates are at 3.60%, 36 Month CD rates are at 3.50%, 48 Month CD rates are at 3.50%, 60 Month CD rates are at 3.50%, 18 Month CD rates are at 3.05%. Heartland Credit Union Madison, WI's savings rates are at 0.25%. Heartland Credit Union Madison, WI's money market rates are at 3.00%. Heartland Credit Union Madison, WI's checking rates are as high as 0.03%. Heartland Credit Union Madison, WI's 10 Year Fixed rates are at 6.38%, First-Time Homebuyer 10 Year Fixed rates are at 6.50%, 15 Year Fixed rates are at 6.62%, 5 YR HCU ARM rates are at 6.50%, 20 Year Fixed rates are at 6.75%. Heartland Credit Union Madison, WI's Personal Loan Rates are as low as 11.49%. Heartland Credit Union Madison, WI's Credit Card Rates are at 11.75%. Heartland Credit Union Madison, WI's CD rates are 4% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Heartland Credit Union Madison, WI with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.39%. Rates last updated and verified on 10/29/2026.

Heartland Credit Union Madison, WI 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 Madison, WI? Share your experience about Heartland Credit Union Madison, WI by leaving a review below, or read customer reviews before you decide to use Heartland Credit Union Madison, WI.

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

2.39%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Heartland Credit Union Madison, WI
Heartland Corporate

5325 High Crossing Blvd
Madison, WI 53718-2301

https://www.heartlandcu.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 Madison, WI CD Rates

Product	Rate	APY	Term
14 Month Special Certificate	4.18%	4.25%	14 month
Min Deposit $500 Details Special rate certificate; auto renews for 12 months at current rates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
9 Month Special Certificate	3.94%	4.00%	9 month
Min Deposit $500 Details Special rate certificate; auto renews for 12 months at current rates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
24 Month Certificate	3.55%	3.60%	24 month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
36 Month Certificate	3.455%	3.50%	36 month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
48 Month Certificate	3.455%	3.50%	48 month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
60 Month Certificate	3.455%	3.50%	60 month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
18 Month Certificate	3.02%	3.05%	18 month
Min Deposit $500 Last Updated 10/29/2026 Rate History 1 change since Oct 1, 2026 · 2.55% → 3.05% ▲ 0.50 pts · high 3.05% / low 2.55% Oct 29, 20263.05%▲ from 2.55% Oct 1, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
12 Month Certificate	2.97%	3.00%	12 month
Min Deposit $500 Last Updated 10/29/2026 Rate History 1 change since Oct 1, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50% Oct 29, 20263.00%▲ from 2.50% Oct 1, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
12 Month Add-On Certificate	2.23%	2.25%	12 month
Min Deposit $250 Details Add-on certificate Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
12 Month HSA Certificate	1.99%	2.00%	12 month
Min Deposit $500 Details HSA certificate Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
6 Month Certificate	1.29%	1.30%	6 month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 1.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
3 Month Certificate	0.60%	0.60%	3 month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Savings Rates

Product	Rate	APY
Health Savings Account	0.25%	0.25%
Min Balance $15,000 Details Balance: $15,000+ Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Health Savings Account	0.22%	0.22%
Min Balance $5,000 Details Balance: $5,000 - $14,999.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.22% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Health Savings Account	0.17%	0.17%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.17% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Health Savings Account	0.15%	0.15%
Min Balance $250 Details Balance: $250 - $2,499.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
IRA/Education Savings	0.15%	0.15%
Min Balance $100 Details Other Savings Program; Minimum Balance to Earn Dividends Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Health Savings Account	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $249.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Membership Savings	0.10%	0.10%
Min Balance $100 Details Other Savings Program; Minimum Balance to Earn Dividends Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Saver's Sweepstakes Savings	0.10%	0.10%
Min Balance $25 Details Other Savings Program; Minimum Balance to Earn Dividends Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Special Purpose Savings	0.10%	0.10%
Min Balance $200 Details Other Savings Program; Minimum Balance to Earn Dividends Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Money Market Rates

Product	Rate	APY
Heartland Money Market	2.96%	3.00%
Min Balance $200,000 Details Balance: $200,000+ Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Heartland Money Market	1.98%	2.00%
Min Balance $150,000 Details Balance: $150,000 - $199,999 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Heartland Money Market	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Heartland Money Market	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.03%	0.03%
Min Balance $10,000 Details Other Savings Program; Minimum Balance to Earn Dividends Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed	6.375%	-	6.538%	10 Year
No additional details. Last Updated 10/29/2026 Rate History 4 changes since Oct 1, 2026 · 7.04% → 6.54% ▼ 0.50 pts · high 7.04% / low 6.54% Oct 29, 20266.54%▼ from 6.66% Oct 26, 20266.66%▼ from 6.66% Oct 19, 20266.66%▼ from 6.91% Oct 9, 20266.91%▼ from 7.04% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
First-Time Homebuyer 10 Year Fixed	6.50%	-	6.663%	10 years
Details Up to $1,000 closing cost credit for first-time homebuyers; WHEDA, investment property, construction loans, second mortgages and lines of credit excluded Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 6.91% → 6.66% ▼ 0.25 pts · high 6.91% / low 6.66% Oct 26, 20266.66%▼ from 6.66% Oct 19, 20266.66%▼ from 6.91% Oct 13, 20266.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
15 Year Fixed	6.625%	-	6.742%	15 Year
No additional details. Last Updated 10/29/2026 Rate History 3 changes since Oct 1, 2026 · 6.99% → 6.74% ▼ 0.25 pts · high 6.99% / low 6.74% Oct 29, 20266.74%▼ from 6.87% Oct 19, 20266.87%▼ from 6.99% Oct 9, 20266.99%▲ from 6.99% Oct 1, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
5 YR HCU ARM	6.50%	-	6.794%	5 years
No additional details. Last Updated 10/29/2026 Rate History 2 changes since Oct 1, 2026 · 6.82% → 6.79% ▼ 0.03 pts · high 6.85% / low 6.79% Oct 29, 20266.79%▼ from 6.85% Oct 19, 20266.85%▲ from 6.82% Oct 1, 20266.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
20 Year Fixed	6.75%	-	6.844%	20 Year
No additional details. Last Updated 10/29/2026 Rate History 3 changes since Oct 1, 2026 · 7.35% → 6.84% ▼ 0.50 pts · high 7.35% / low 6.84% Oct 29, 20266.84%▼ from 6.97% Oct 19, 20266.97%▼ from 7.34% Oct 9, 20267.34%▼ from 7.35% Oct 1, 20267.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
5 YR ARM	-	-	6.845%	5 year
Details As Low As; Homepage featured rate. Only APR shown on the page. Last Updated 10/29/2026 Rate History 1 change since Oct 1, 2026 · 6.82% → 6.85% ▲ 0.02 pts · high 6.85% / low 6.82% Oct 26, 20266.85%▲ from 6.82% Oct 1, 20266.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
First-Time Homebuyer 5 YR HCU ARM	6.625%	-	6.845%
Details 5 year adjustable rate mortgage (HCU ARM); Up to $1,000 closing cost credit for first-time homebuyers Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.85% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
First-Time Homebuyer 15 Year Fixed	6.75%	-	6.867%	15 years
Details Up to $1,000 closing cost credit for first-time homebuyers; WHEDA, investment property, construction loans, second mortgages and lines of credit excluded Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 6.99% → 6.87% ▼ 0.13 pts · high 6.99% / low 6.87% Oct 19, 20266.87%▼ from 6.99% Oct 13, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
First-Time Homebuyer 20 Year Fixed	6.696%	-	6.875%	20 years
Details Up to $1,000 closing cost credit for first-time homebuyers; WHEDA, investment property, construction loans, second mortgages and lines of credit excluded Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 7.34% → 6.88% ▼ 0.46 pts · high 7.34% / low 6.88% Oct 29, 20266.88%▼ from 6.97% Oct 19, 20266.97%▼ from 7.34% Oct 13, 20267.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
7 YR HCU ARM	6.875%	-	6.947%	7 years
No additional details. Last Updated 10/29/2026 Rate History 3 changes since Oct 1, 2026 · 7.13% → 6.95% ▼ 0.18 pts · high 7.13% / low 6.95% Oct 29, 20266.95%▼ from 7.01% Oct 19, 20267.01%▼ from 7.02% Oct 9, 20267.02%▼ from 7.13% Oct 1, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
First-Time Homebuyer 7 YR HCU ARM	-	-	7.014%
Details 7 year adjustable rate mortgage (HCU ARM); Up to $1,000 closing cost credit for first-time homebuyers Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.01% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
30 Year Fixed	7.125%	-	7.198%	30 Year
No additional details. Last Updated 10/29/2026 Rate History 3 changes since Oct 1, 2026 · 7.58% → 7.20% ▼ 0.38 pts · high 7.58% / low 7.20% Oct 29, 20267.20%▼ from 7.32% Oct 19, 20267.32%▼ from 7.45% Oct 9, 20267.45%▼ from 7.58% Oct 1, 20267.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
10 YR HCU ARM	7.25%	-	7.203%	10 years
No additional details. Last Updated 10/29/2026 Rate History 3 changes since Oct 1, 2026 · 7.50% → 7.20% ▼ 0.30 pts · high 7.50% / low 7.20% Oct 29, 20267.20%▼ from 7.29% Oct 19, 20267.29%▼ from 7.34% Oct 9, 20267.34%▼ from 7.50% Oct 1, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
First-Time Homebuyer 10 YR HCU ARM	7.375%	-	7.289%
Details 10 year adjustable rate mortgage (HCU ARM); Up to $1,000 closing cost credit for first-time homebuyers Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 7.29% → 7.29% ▼ 0.00 pts · high 7.29% / low 7.29% Oct 29, 20267.29%▼ from 7.29% Oct 26, 20267.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
First-Time Homebuyer 30 Year Fixed	7.25%	-	7.324%	30 years
Details Up to $1,000 closing cost credit for first-time homebuyers; WHEDA, investment property, construction loans, second mortgages and lines of credit excluded Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 7.45% → 7.32% ▼ 0.13 pts · high 7.45% / low 7.32% Oct 19, 20267.32%▼ from 7.45% Oct 13, 20267.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.49%	Revolving line of cr
Details Term: Revolving line of credit; As Low As; APR* as low as 6.49% Last Updated 10/29/2026 Rate History 1 change since Oct 1, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 2, 20266.49%▲ from 6.24% Oct 1, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Auto Loan Rates

Product	Rate	Points	APR	Term
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer) Loan	-	-	4.49%	Up to 36 months
Details As Low As; Regular APR Last Updated 10/29/2026 Rate History 1 change since Oct 1, 2026 · 4.74% → 4.49% ▼ 0.25 pts · high 4.74% / low 4.49% Oct 9, 20264.49%▼ from 4.74% Oct 1, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2023 to 2017) Loan	-	-	4.99%	Up to 36 months
Details As Low As; Regular APR as low as; Non-promotional Last Updated 10/29/2026 Rate History 1 change since Oct 1, 2026 · 5.24% → 4.99% ▼ 0.25 pts · high 5.24% / low 4.99% Oct 9, 20264.99%▼ from 5.24% Oct 1, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer) Loan	-	-	5.24%	37 - 60 months
Details As Low As; Regular APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer) Loan	-	-	5.74%	61 - 72 months
Details As Low As; Regular APR; Min. $20,000 loan amount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2023 to 2017) Loan	-	-	5.74%	37 - 60 months
Details As Low As; Regular APR as low as; Non-promotional Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2023 to 2017) Loan	-	-	6.24%	61 - 72 months
Details As Low As; Regular APR as low as; Min. $20,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer) Loan	-	-	6.74%	73 months or greater
Details As Low As; Regular APR; Min. $30,000 loan amount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Older Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2016 to 2011) Loan	-	-	7.24%	Up to 36 months
Details As Low As; Regular APR as low as; Non-promotional Last Updated 10/29/2026 Rate History 1 change since Oct 1, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 9, 20267.24%▲ from 6.99% Oct 1, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2023 to 2017) Loan	-	-	7.24%	73 months or greater
Details As Low As; Regular APR as low as; Min. $30,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Older Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2016 to 2011) Loan	-	-	7.99%	37 - 60 months
Details As Low As; Regular APR as low as; Non-promotional Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Older Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2016 to 2011) Loan	-	-	8.49%	61 - 72 months
Details As Low As; Regular APR as low as; Min. $20,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Older Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2016 to 2011) Loan	-	-	9.49%	73 months or greater
Details As Low As; Regular APR as low as; Min. $30,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2010 and older) Loan	-	-	11.49%	Up to 60 months
Details As Low As; Regular APR as low as; Non-promotional Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 11.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Credit Card Rates

Product	Rate	APR	View More
Mastercard	-	11.75%
Details As Low As; Variable rate tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin; Non-promotional current rates apply to all purchases and cash advances Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 11.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Personal Loan Rates

Product	APR	Term
Personal Loans	11.49%	Up to 60 months
Details As Low As; APR as low as* 11.49 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Unsecured Personal Loan	11.49%
Details As Low As; Rates range 11.49% - 20.49% APR based on eligibility Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 11.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Other Rates

Product	Rate	Points	APY/APR	Term
HomeReady 30 YR Fixed	7.125%	-	7.198%	30 years
Last Updated 10/29/2026 Rate History 3 changes since Oct 1, 2026 · 7.58% → 7.20% ▼ 0.38 pts · high 7.58% / low 7.20% Oct 29, 20267.20%▼ from 7.32% Oct 19, 20267.32%▼ from 7.45% Oct 9, 20267.45%▼ from 7.58% Oct 1, 20267.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Kwik Cash Line of Credit	-	-	18.00%	Revolving
Details As Low As; APR as low as* 18.00 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
WHEDA First Time Home Buyer <=80% AMI Loan	6.75%	-	6.822%
Last Updated 10/29/2026 Rate History 3 changes since Oct 2, 2026 · 6.70% → 6.82% ▲ 0.13 pts · high 7.20% / low 6.70% Oct 29, 20266.82%▼ from 6.95% Oct 26, 20266.95%▼ from 7.20% Oct 19, 20267.20%▲ from 6.70% Oct 2, 20266.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
WHEDA First Time Home Buyer Loan	6.75%	-	6.822%
Details AMI: <=80% Last Updated 10/29/2026 Rate History 3 changes since Oct 13, 2026 · 6.70% → 6.82% ▲ 0.13 pts · high 7.20% / low 6.70% Oct 29, 20266.82%▼ from 6.95% Oct 26, 20266.95%▼ from 7.20% Oct 19, 20267.20%▲ from 6.70% Oct 13, 20266.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
WHEDA Preferred <=80% AMI Loan	-	-	7.073%
Last Updated 10/29/2026 Rate History 3 changes since Oct 9, 2026 · 7.58% → 7.07% ▼ 0.50 pts · high 7.58% / low 7.07% Oct 29, 20267.07%▼ from 7.20% Oct 26, 20267.20%▼ from 7.45% Oct 19, 20267.45%▼ from 7.58% Oct 9, 20267.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
WHEDA Preferred Loan	-	-	7.073%
Details AMI: <=80% Last Updated 10/29/2026 Rate History 3 changes since Oct 13, 2026 · 7.58% → 7.07% ▼ 0.50 pts · high 7.58% / low 7.07% Oct 29, 20267.07%▼ from 7.20% Oct 26, 20267.20%▼ from 7.45% Oct 19, 20267.45%▼ from 7.58% Oct 13, 20267.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
HSA	0.10%	-	0.10%
Min Balance $0 Details Balance: $0 - $249.99 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
HSA	0.15%	-	0.15%
Min Balance $250 Details Balance: $250 - $2,499.99 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
HSA	0.17%	-	0.17%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.17% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
HSA	0.22%	-	0.22%
Min Balance $5,000 Details Balance: $5,000 - $14,999.99 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.22% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
HSA	0.25%	-	0.25%
Min Balance $15,000 Details Balance: $15,000 and over Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Platinum Money Manager	2.23%	-	2.25%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Platinum Money Manager	1.98%	-	2.00%
Min Balance $200,000 Details Balance: $200,000 - $499,999 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Platinum Money Manager	1.74%	-	1.75%
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Platinum Money Manager	0.50%	-	0.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Platinum Money Manager	0.25%	-	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Platinum Money Manager	0.15%	-	0.15%
Details Balance: up to $24,999 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

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 Madison, WI’s Texas Ratio stayed near 2.66% in Q3 2023 to 2.39% 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	$667M	2.39%	5.0	A+
March 31, 2026	$657M	1.56%	5.0	A+
December 31, 2025	$636M	2.70%	5.0	A+
September 30, 2025	$629M	2.27%	5.0	A+
June 30, 2025	$631M	2.12%	5.0	A+
March 31, 2025	$625M	2.83%	5.0	A+
December 31, 2024	$614M	3.31%	5.0	A+
September 30, 2024	$607M	4.21%	5.0	A+
June 30, 2024	$617M	3.69%	5.0	A+
March 31, 2024	$614M	3.27%	5.0	A+
December 31, 2023	$610M	2.64%	5.0	A+
September 30, 2023	$615M	2.66%	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 Madison, WI 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 Madison, WI 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 Madison, WI's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Heartland Credit Union Madison, WI

Website https://www.heartlandcu.org

Address 5325 High Crossing Blvd, Madison, WI 53718-2301

Phone 800-362-3944

Fax 608-282-7036

President Rhonda Hollfelder

CEO Angela Hanson

Full-Time Employees 114

Part-Time Employees 14

Branch Locations 12

ATM Locations 12

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

2.39%

Return on Assets (ROA)

0.4186%

Return on Equity (ROE)

3.5811%

Non-Performing Loans Ratio (NPL)

0.42%

Total Assets

666,769,825

Total Amount of Shares and Deposits

581,773,604

Total Shares and Deposits < 1 Year

551,324,351

Total Shares and Deposits 1 3 Years

27,440,280

Total Shares and Deposits > 3 Years

3,008,973

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

33,914,529

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

33,914,529

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

547,859,075

Total Interest Expense (Sum of items 6 8)

3,591,368

Share Certificates

4,704

Number of Accounts for Share Drafts

24,143

IRA KEOGH Accounts

1,387

Number of Accounts for Regular Shares

42,353

All other shares

649

Money Market Shares

1,853

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)

21,526,737

Total Liabilities

587,377,558

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Heartland Credit Union Madison, WI 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.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Heartland Credit Union Madison, WI

Does Heartland Credit Union Madison, WI offer CDs?

Yes. Heartland Credit Union Madison, WI current CD rates include its 24 Month CD at 3.60% APY, its 36 Month CD at 3.50% APY and its 48 Month CD at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Heartland Credit Union Madison, WI NCUA insured?

Yes. Heartland Credit Union Madison, WI 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 Madison, WI?

The highest Heartland Credit Union Madison, WI CD rate is its 14 Month Special CD at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Heartland Credit Union Madison, WI offer?

Heartland Credit Union Madison, WI CD rates are 2.00% APY for a 12 month CD, 3.05% APY for an 18 month CD, 3.60% APY for a 2 year CD, 3.50% APY for a 3 year CD, 3.50% APY for a 4 year CD and 3.50% 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 Madison, WI for its full lineup.

What is the highest savings rate at Heartland Credit Union Madison, WI?

The highest Heartland Credit Union Madison, WI savings rate is its Health Savings Account at 0.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Heartland Credit Union Madison, WI?

The highest Heartland Credit Union Madison, WI money market rate is its Heartland Money Market at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Heartland Credit Union Madison, WI?

The highest Heartland Credit Union Madison, WI checking rate is its Business Checking at 0.03% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Heartland Credit Union Madison, WI?

The lowest Heartland Credit Union Madison, WI 30 year fixed mortgage rate is its 30 Year Fixed at 7.125%, verified by MonitorBankRates as of October 29, 2026. Heartland Credit Union Madison, WI mortgage rates are 7.125% for a 30 year mortgage, 6.696% for a 20 year mortgage, 6.625% for a 15 year mortgage, 6.375% for a 10 year mortgage, 6.875% for a 7 year mortgage and 6.50% for a 5 year mortgage.

What is the lowest auto loan rate at Heartland Credit Union Madison, WI?

The lowest Heartland Credit Union Madison, WI auto loan rate is its New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer) Loan at 4.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Heartland Credit Union Madison, WI?

The lowest Heartland Credit Union Madison, WI personal loan rate is its Personal Loans at 11.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Heartland Credit Union Madison, WI?

The lowest Heartland Credit Union Madison, WI credit card APR is its Mastercard Credit Card at 11.75% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Heartland Credit Union Madison, WI operate?

Heartland Credit Union Madison, WI 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 Madison, WI?

Yes, to access services at Heartland Credit Union Madison, WI, 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 Madison, WI 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 Madison, WI provides members with tools to manage their accounts and build a solid financial history.

Does Heartland Credit Union Madison, WI offer online and mobile banking?

Most modern institutions like Heartland Credit Union Madison, WI provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.heartlandcu.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 Madison, WI rates compare?

Heartland Credit Union Madison, WI's CD rates are 4% lower than the MonitorBankRates national average, and it has an A+ health rating. Heartland Credit Union Madison, WI's top rates are its 14 Month Special CD at 4.25% APY, its Health Savings Account at 0.25% APY, its Heartland Money Market at 3.00% APY, its Business Checking at 0.03% APY, its 10 Year Fixed at 6.375%, its Personal Loans at 11.49% APR and its Mastercard Credit Card at 11.75% APR, verified by MonitorBankRates on October 29, 2026.

Current Heartland Credit Union Madison, WI Rates

12-Month CD2.00%
18-Month CD3.05%
24-Month CD3.60%
60-Month CD3.50%
Savings0.25%
MMA3.00%

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

Compare to Other Credit Unions

Heartland Credit Union Madison, WI Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Heartland Credit Union Madison, WI Texas Ratio

Heartland Credit Union Madison, WI Health Trend

Heartland Credit Union Madison, WI CD Rates

Heartland Credit Union Madison, WI Savings Rates

Heartland Credit Union Madison, WI Money Market Rates

Heartland Credit Union Madison, WI Business Checking Rates

Heartland Credit Union Madison, WI Mortgage Rates

Heartland Credit Union Madison, WI Home Equity & HELOC

Heartland Credit Union Madison, WI Auto Loan Rates

Heartland Credit Union Madison, WI Credit Card Rates

Heartland Credit Union Madison, WI Personal Loan Rates

Heartland Credit Union Madison, WI Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Heartland Credit Union Madison, WI earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Heartland Credit Union Madison, WI

Does Heartland Credit Union Madison, WI offer CDs?

Are CDs from Heartland Credit Union Madison, WI NCUA insured?

What is the highest CD rate at Heartland Credit Union Madison, WI?

What CD terms does Heartland Credit Union Madison, WI offer?

What is the highest savings rate at Heartland Credit Union Madison, WI?

What is the highest money market rate at Heartland Credit Union Madison, WI?

What is the highest checking rate at Heartland Credit Union Madison, WI?

What is the lowest 30 year fixed mortgage rate at Heartland Credit Union Madison, WI?

What is the lowest auto loan rate at Heartland Credit Union Madison, WI?

What is the lowest personal loan rate at Heartland Credit Union Madison, WI?

What is the lowest credit card APR at Heartland Credit Union Madison, WI?

How many branches does Heartland Credit Union Madison, WI operate?

Is a member application needed to join Heartland Credit Union Madison, WI?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Heartland Credit Union Madison, WI 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 Madison, WI rates compare?

Current Heartland Credit Union Madison, WI Rates

Compare to Other Credit Unions