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Indiana Heartland Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 5, 2026
Indiana Heartland Federal Credit Union's top rates as of October 5, 2026 are 4.10% APY on its 8 Month Special CD, 0.30% APY on checking, and personal loans from 8.79% APR, according to rates verified by MonitorBankRates. Other Indiana Heartland Federal Credit Union CD rates include 15 Month Special CD at 3.75%, 27 Month Special CD at 3.55%, and 59 Month Special CD at 3.39%. MonitorBankRates evaluates the financial stability of Indiana Heartland Federal Credit Union with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.21%. Rates last updated and verified on 10/05/2026.
Indiana Heartland Federal Credit Union 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 Indiana Heartland Federal Credit Union? Share your experience about Indiana Heartland Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Indiana Heartland Federal Credit Union.
Overall Health & Safety Grade
?
B+
Good HealthScore: 90/100
Overall Health & Safety Grade
Indiana Heartland Federal Credit Union has earned an overall safety grade of B+ (Good, Score: 90/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
4.8
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Indiana Heartland Federal Credit Union has earned a Star Rating of 4.8 out of 5 stars (Exceptional).
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
?
17.21%
GoodHigher than avg
Indiana Heartland Federal Credit Union Texas Ratio
Indiana Heartland Federal Credit Union's Texas Ratio is 17.21%, which is considered good and is higher than the national average of 6.13%.
While Indiana Heartland Federal Credit Union has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Indiana Heartland Federal Credit Union Health Trend
10.69% to 17.21% over 12 quarters, worseningFull history
Star Rating 5.0 to 4.8, Health Grade A to B+
The Texas Ratio for this credit union has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Indiana Heartland Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
8 Month Special Share Certificate
-
4.10%
8 months
Min Deposit$1,000
DetailsSpecial
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
15 Month Special Share Certificate
-
3.75%
15 months
Min Deposit$1,000
DetailsSpecial
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
27 Month Special Share Certificate
-
3.55%
27 months
Min Deposit$1,000
DetailsSpecial
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
59 Month Special Share Certificate
-
3.39%
59 months
Min Deposit$1,000
DetailsSpecial
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
60 Month Certificate
-
3.25%
60 Month
Min Deposit$500
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
48 Month Certificate
-
3.10%
48 Month
Min Deposit$500
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
24 Month Certificate
-
2.99%
24 Month
Min Deposit$500
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
36 Month Certificate
-
2.89%
36 Month
Min Deposit$500
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
12 Month Certificate
-
2.79%
12 Month
Min Deposit$500
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
18 Month Certificate
-
2.79%
18 Month
Min Deposit$500
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
9 Month Certificate
-
2.59%
9 Month
Min Deposit$500
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 2.59% APY · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
6 Month Certificate
-
2.45%
6 Month
Min Deposit$500
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
3 Month Certificate
-
1.75%
3 Month
Min Deposit$500
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Indiana Heartland Federal Credit Union Savings Rates
Product
Rate
APY
View More
Kid's Club
-
0.75%
Min Deposit$5
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Christmas Club
-
0.30%
Min Deposit$5
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Indiana Heartland Federal Credit Union Checking Rates
Product
Rate
APY
View More
Checking+
-
0.30%
Min Deposit$5
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Indiana Heartland Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
2023 & Newer Vehicle Loan
-
-
4.39%
48 Months
DetailsAs Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 4.39% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2021-2022 Vehicle Loan
-
-
4.69%
48 Months
DetailsAs Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 4.69% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2023 & Newer Vehicle Loan
-
-
4.69%
60 Months
DetailsAs Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 4.69% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2021-2022 Vehicle Loan
-
-
4.99%
60 Months
DetailsAs Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 4.99% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2023 & Newer k+ financing Vehicle Loan
-
-
4.99%
72 Months
Details$15; As Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 4.99% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2018-2020 Vehicle Loan
-
-
5.19%
48 Months
DetailsAs Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 5.19% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2018-2020 Vehicle Loan
-
-
5.39%
60 Months
DetailsAs Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 5.39% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2021-2022 Vehicle Loan
-
-
5.39%
72 Months
DetailsAs Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 5.39% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2018-2020 k+ financing Vehicle Loan
-
-
5.79%
72 Months
Details$15; As Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 5.79% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2023 & Newer k+ financing Vehicle Loan
-
-
5.89%
84 Months
Details$30; As Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 5.89% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2021-2022 Vehicle Loan
-
-
6.19%
84 Months
DetailsAs Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 6.19% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2018-2020 k+ financing Vehicle Loan
-
-
6.59%
84 Months
Details$25; As Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 6.59% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2016-2017 Vehicle Loan
-
-
6.99%
48 Months
DetailsAs Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 6.99% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2016-2017 Vehicle Loan
-
-
7.39%
60 Months
DetailsAs Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 7.39% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2014-2015 Vehicle Loan
-
-
7.49%
48 Months
DetailsAs Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 7.49% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2013 & older Vehicle Loan
-
-
7.69%
42 Months
DetailsAs Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 7.69% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Indiana Heartland Federal Credit Union RV, Boat and Powersport Loan Rates
No change since Sep 14, 2026 · 8.89% APR · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Recreational Vehicles - 2017-2018 Loan
-
8.89%
96 Months
DetailsAs Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 8.89% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Recreational Vehicles - 2021-2022 Loan
-
8.89%
96 Months
DetailsAs Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 8.89% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Boats - 2018 & older K+ FINANCING
-
8.99%
96 Months
No additional details.
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 8.99% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Boats - 2021-2022 Loan
-
8.99%
120 Months
No additional details.
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Recreational Vehicles - 2021-2022 Loan
-
8.99%
120 Months
DetailsAs Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 8.99% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Recreational Vehicles - 2016 & older K+ FINANCING
-
9.09%
72 Months
Details$10; As Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 9.09% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Recreational Vehicles - 2016 & older K+ FINANCING
-
9.19%
84 Months
Details$15; As Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 9.19% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Recreational Vehicles - 2016 & older K+ FINANCING
-
9.29%
96 Months
Details$20; As Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 9.29% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Recreational Vehicles - 2017-2018 K+ FINANCING
-
9.29%
120 Months
Details$20; As Low As
Last Updated10/05/2026
Rate History
No change since Oct 5, 2026 · 9.29% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Indiana Heartland Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature (Personal) Loans
8.79%
84 Months
DetailsAs Low As
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 8.79% APR · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Indiana Heartland Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
2018-2020 k+ financing
-
-
7.99%
84 Months
Last Updated10/05/2026
Rate History
1 change since Sep 14, 2026 · 7.79% → 7.99% ▲ 0.20 pts · high 7.99% / low 7.79%
Oct 5, 20267.99%▲ from 7.79%
Sep 14, 20267.79%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2018-2020 k+ financing
-
-
7.29%
72 Months
Last Updated10/05/2026
Rate History
1 change since Sep 14, 2026 · 7.09% → 7.29% ▲ 0.20 pts · high 7.29% / low 7.09%
Oct 5, 20267.29%▲ from 7.09%
Sep 14, 20267.09%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2021-2022 used k+ financing
-
-
7.69%
84 Months
Last Updated10/05/2026
Rate History
1 change since Sep 14, 2026 · 7.59% → 7.69% ▲ 0.10 pts · high 7.69% / low 7.59%
Oct 5, 20267.69%▲ from 7.59%
Sep 14, 20267.59%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2021-2022 used k+ financing
-
-
6.89%
72 Months
Last Updated10/05/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 6.89% ▼ 0.10 pts · high 6.99% / low 6.89%
Oct 5, 20266.89%▼ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
2023 & newer k+ financing
-
-
6.49%
72 Months
Last Updated10/05/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 6 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.21%
Financial Health History
Indiana Heartland Federal Credit Union’s Texas Ratio rose from 10.69% in Q3 2023 to 17.21% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.8 and its Health Grade from A to B+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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
$50M
17.21%
4.8
B+
March 31, 2026
$49M
14.84%
5.0
A-
December 31, 2025
$49M
17.11%
4.8
B+
September 30, 2025
$46M
16.01%
4.9
A-
June 30, 2025
$45M
17.27%
4.8
B+
March 31, 2025
$43M
17.98%
4.8
B+
December 31, 2024
$41M
21.68%
4.4
B
September 30, 2024
$40M
9.69%
5.0
A
June 30, 2024
$40M
10.91%
5.0
A
March 31, 2024
$41M
17.67%
4.8
B+
December 31, 2023
$38M
13.69%
5.0
A
September 30, 2023
$36M
10.69%
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 Indiana Heartland Federal Credit Union 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 Indiana Heartland Federal Credit Union 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 Indiana Heartland Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameIndiana Heartland Federal Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
239,797
Total Uninsured Shares and Deposits > $250K (F+J)
239,797
Total Insured Shares and Deposits > $250K (item 17 less item K)
43,262,659
Total Interest Expense (Sum of items 6 8)
596,907
Share Certificates
381
Number of Accounts for Share Drafts
2,909
Number of Accounts for Regular Shares
5,758
Non Member Deposits
9
Net Income (unless the amount is already included in Undivided Earnings)
412,939
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)
4,019,441
Total Liabilities
43,960,312
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Indiana Heartland Federal Credit Union
How many branches does Indiana Heartland Federal Credit Union operate?
Indiana Heartland Federal Credit Union 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 Indiana Heartland Federal Credit Union?
Yes, to access services at Indiana Heartland Federal Credit Union, 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, Indiana Heartland Federal Credit Union 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, Indiana Heartland Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Indiana Heartland Federal Credit Union offer online and mobile banking?
Most modern institutions like Indiana Heartland Federal Credit Union 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.indianaheartland.org.
Current Indiana Heartland Federal Credit Union Rates
12-Month CD2.79%
18-Month CD2.79%
24-Month CD2.99%
60-Month CD3.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
