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Heartland Credit Union Madison, WI

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Heartland Credit Union Madison, WI Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Heartland Credit Union Madison, WI's 9 or 14 month CD Special rates are at 4.25%. 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 1.56%. Rates last updated and verified on 09/22/2026.

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

1.56%

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

Heartland Credit Union Madison, WI CD Rates

Product	Rate	APY	Term	View More
9 or 14 month Certificate Special	-	4.25%	9 or 14 month
Details The high dividend rate (up to 4.25% APY*) helps grow your savings faster. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

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 1.89% in Q2 2023 to 1.56% in Q1 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
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+
June 30, 2023	$593M	1.89%	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 118

Part-Time Employees 12

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

1.56%

Return on Assets (ROA)

0.1735%

Return on Equity (ROE)

1.4939%

Non-Performing Loans Ratio (NPL)

0.28%

Total Assets

656,720,866

Total Amount of Shares and Deposits

573,106,635

Total Shares and Deposits < 1 Year

550,825,499

Total Shares and Deposits 1 3 Years

19,507,253

Total Shares and Deposits > 3 Years

2,773,883

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

32,828,714

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

32,828,714

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

540,277,921

Total Interest Expense (Sum of items 6 8)

1,753,754

Share Certificates

4,652

Number of Accounts for Share Drafts

24,126

IRA KEOGH Accounts

1,379

Number of Accounts for Regular Shares

42,099

All other shares

658

Money Market Shares

1,850

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

27,113,598

Total Liabilities

578,980,156

Source: NCUA — Last Updated 03/31/2026

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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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

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.