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Heartland Credit Union Madison, WI

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Heartland Credit Union Madison, WI Rates & Review April 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: April 14, 2026

You can compare Heartland Credit Union Madison, WI rates to other rates in our database, including 12-month share certificate rates currently at 3.25%, 6-month share certificate rates at 1.15% and 3-month share certificate rates at 1.00%. Savings rates are at 0.15% and money market rates are at 0.07%. Mortgage rates on 30-year fixed loans are around 6.06%. All these rates can be compared to Heartland Credit Union Madison, WI rates. 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 2.37%. Rates were last updated on 04/14/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.37%

Excellent Lower than avg

Heartland Credit Union Madison, WI
Heartland Corporate

5325 High Crossing Blvd
Madison, WI 53718 2301

https://www.heartlandcu.org

Current Rate Availability

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

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Heartland Credit Union 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 121

Part-Time Employees 12

Branch Locations 13

ATM Locations 13

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

2.37%

Return on Assets (ROA)

0.6915%

Return on Equity (ROE)

5.9270%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

629,155,739

Total Amount of Shares and Deposits

548,472,709

Total Shares and Deposits < 1 Year

522,494,104

Total Shares and Deposits 1 3 Years

23,638,784

Total Shares and Deposits > 3 Years

2,339,820

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

27,498,345

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

27,498,345

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

520,974,364

Total Interest Expense (Sum of items 6 8)

5,523,671

Share Certificates

4,492

Number of Accounts for Share Drafts

23,932

IRA KEOGH Accounts

1,380

Number of Accounts for Regular Shares

41,796

All other shares

659

Money Market Shares

1,843

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

10,734,410

Total Liabilities

554,303,910

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Heartland Credit Union Madison, WI

Is Heartland Credit Union Madison, WI a safe place to deposit money?

Yes, Heartland Credit Union Madison, WI is considered a safe financial institution. With a Texas Ratio of 2.3654453466543%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Heartland Credit Union 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.