What are the current interest rates at Iowa Heartland Credit Union?

Current rates for Iowa Heartland Credit Union include: Savings: 0.05%

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Iowa Heartland Credit Union

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Iowa Heartland Credit Union Rates & Review April 2026

Q: Is a member application needed to join Iowa Heartland Credit Union?

Yes, to access services at Iowa Heartland 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Iowa Heartland Credit Union 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 18, 2026

Iowa Heartland Credit Union's IRA 30 Month CD rates are at 3.00%. Iowa Heartland Credit Union's savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of Iowa Heartland Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.89%. Rates were last updated on 04/18/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.89%

Excellent Lower than avg

Iowa Heartland Credit Union
IOWA HEARTLAND CREDIT UNION

1602 S MONROE AVE
MASON CITY, IA 50401

https://www.iowaheartland.org

Iowa Heartland Credit Union CD Rates

Product	Rate	APY	Term	View More
IRA 30 Month Certificate	2.96%	3.00%	30
Details NO MINIMUM Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%

Iowa Heartland Credit Union Savings Rates

Product	Rate	APY	View More
SHARE(SAVINGS) ACCOUNT	0.05%	0.05%
Min Balance $1 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Iowa Heartland 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 Iowa Heartland 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 Iowa Heartland Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Iowa Heartland Credit Union

Website https://www.iowaheartland.org

Address 1602 S MONROE AVE, MASON CITY, IA 50401

Phone 641-424-5391

Fax 641-430-7253

President Scott Hand

CEO Tiara Schriever

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

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

2.89%

Return on Assets (ROA)

0.6160%

Return on Equity (ROE)

3.4959%

Non-Performing Loans Ratio (NPL)

0.98%

Total Assets

28,897,493

Total Amount of Shares and Deposits

23,747,647

Total Shares and Deposits < 1 Year

23,379,076

Total Shares and Deposits 1 3 Years

368,571

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

1,492,000

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

22,255,647

Total Interest Expense (Sum of items 6 8)

15,020

Share Certificates

Number of Accounts for Share Drafts

959

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,614

All other shares

Non Member Deposits

Money Market Shares

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

149,383

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,006,769

Total Liabilities

23,805,993

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Iowa Heartland Credit Union

Is Iowa Heartland Credit Union a safe place to deposit money?

Yes, Iowa Heartland Credit Union is considered a safe financial institution. With a Texas Ratio of 2.8944908180301%, 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 Iowa Heartland Credit Union operate?

Iowa Heartland 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 Iowa Heartland Credit Union?

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

Does Iowa Heartland Credit Union offer online and mobile banking?

Most modern institutions like Iowa Heartland 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.iowaheartland.org.