MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
  1. Home›
  2. Credit Unions›
  3. Heartland Credit Union Inver Grove Heights, MN
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Heartland Credit Union Inver Grove Heights, MN Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
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.
Read Full Bio →
| iEditorial Disclosure
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 1, 2026

Heartland Credit Union Inver Grove Heights, MN's top rates as of October 1, 2026 are 4.00% APY on its 7 Month CD of Deposit, 2.55% APY on savings, 0.50% APY on money market accounts, 1.75% APY on checking, personal loans from 11.49% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other Heartland Credit Union Inver Grove Heights, MN CD rates include 12 Month CD of Deposit at 2.25%, 18 Month CD of Deposit at 2.25%, and 48 Month CD of Deposit at 2.25%. MonitorBankRates evaluates the financial stability of Heartland Credit Union Inver Grove Heights, MN with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.68%. Rates last updated and verified on 10/01/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.68%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Heartland Credit Union Inver Grove Heights, MN
Main Office
5500 S Robert Trl
Inver Grove Heights, MN 55077
https://www.heartlandcu.com
Member NCUA
Customer Reviews
Be the first to review
Write a Review
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 Inver Grove Heights, MN CD Rates

Product Rate APY Term View More
7 Month Certificate of Deposit 3.93% 4.00% 7 Month Special
Min Deposit $500
Details 7 Month Special**
Last Updated 10/01/2026
Rate History
No change since Sep 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 26, 2026: 4.00% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
12 Month Certificate of Deposit 2.23% 2.25% 12 Months
Min Deposit $500
Last Updated 10/01/2026
Rate History
No change since Sep 26, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 26, 2026: 2.25% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
18 Month Certificate of Deposit 2.23% 2.25% 18 Months
Min Deposit $500
Last Updated 10/01/2026
Rate History
No change since Sep 26, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 26, 2026: 2.25% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
48 Month Certificate of Deposit 2.23% 2.25% 48 Months
Min Deposit $500
Last Updated 10/01/2026
Rate History
No change since Sep 26, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 26, 2026: 2.25% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
60 Month Certificate of Deposit 2.23% 2.25% 60 Months
Min Deposit $500
Last Updated 10/01/2026
Rate History
No change since Sep 26, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 26, 2026: 2.25% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
24 Month Certificate of Deposit 1.99% 2.00% 24 Months
Min Deposit $500
Last Updated 10/01/2026
Rate History
No change since Sep 26, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 26, 2026: 2.00% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
36 Month Certificate of Deposit 1.99% 2.00% 36 Months
Min Deposit $500
Last Updated 10/01/2026
Rate History
No change since Sep 26, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 26, 2026: 2.00% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
6 Month Certificate of Deposit 1.74% 1.75% 6 Months
Min Deposit $500
Last Updated 10/01/2026
Rate History
No change since Sep 26, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Sep 26, 2026: 1.75% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%

Heartland Credit Union Inver Grove Heights, MN Savings Rates

Product Rate APY View More
High-Yield Savings 2.52% 2.55%
No additional details.
Last Updated 10/01/2026
Rate History
1 change since Sep 26, 2026 · 0.75% → 2.55% ▲ 1.80 pts · high 2.55% / low 0.75%
0.00%2.18%4.35%Sep 26, 2026: 0.75% APYOct 1, 2026: 2.55% APYSep 26, 2026Oct 13, 2026
  • Oct 1, 20262.55%▲ from 0.75%
  • Sep 26, 20260.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Youth Savings 2.52% 2.55%
Min Deposit $5
Details Up to $10,000
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 3 times
2.05%2.55%3.05%Sep 14, 2026: 2.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
High-Yield Savings 0.75% 0.75%
Details $0.01-$9,999.99
Last Updated 10/01/2026
Rate History
No change since Sep 26, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Sep 26, 2026: 0.75% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Primary Savings 0.05% 0.05%
Min Deposit $5
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Secondary Savings Accounts 0.05% 0.05%
Min Deposit $5
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%

Heartland Credit Union Inver Grove Heights, MN Business Savings Rates

Product Rate APY View More
Business Savings 0.05% 0.05%
Min Deposit $5
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%

Heartland Credit Union Inver Grove Heights, MN Business Money Market Rates

Product Rate APY View More
Money Market/Business Money Market 0.50% 0.50%
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Money Market/Business Money Market 0.40% 0.40%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Money Market/Business Money Market 0.25% 0.25%
Min Balance $10,000
Details Balance: $10,000 - $49,999.99
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Money Market/Business Money Market 0.10% 0.10%
Min Balance $0
Details Balance: $0.01 - $9,999.99
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%

Heartland Credit Union Inver Grove Heights, MN Checking Rates

Product Rate APY View More
Incentive Checking 1.74% 1.75%
Min Balance $0
Details Balance: Up to $20,000; Qualifications Required; Requirements met
Last Updated 10/01/2026
Rate History
No change since Sep 26, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Sep 26, 2026: 1.75% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Free 55 Checking + 0.05% 0.05%
Min Balance $0
Details Balance: $0.01 - $2,499.99
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Free 55 Checking + 0.05% 0.05%
Min Balance $2,500
Details Balance: $2,500 +
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Incentive Checking 0.05% 0.05%
Min Balance $20,000
Details Balance: $20,000+; Qualifications Required; Requirements met
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%

Heartland Credit Union Inver Grove Heights, MN Business Checking Rates

Product Rate APY View More
Business Checking 0.05% 0.05%
Min Balance $0
Details Balance: $0.01-$2,499.99
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Business Checking 0.05% 0.05%
Min Balance $2,500
Details Balance: $2,500
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%

Heartland Credit Union Inver Grove Heights, MN Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Closed End - - 5.49% Up to 60 months
Details Additional APR listed for this product: 7.19%.
Last Updated 10/02/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Home Equity Closed End - - 5.99% 61-120 Months
Details Additional APR listed for this product: 7.69%.
Last Updated 10/02/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Home Equity Closed End - - 6.49% 121-180 Months
Details Additional APR listed for this product: 8.19%.
Last Updated 10/02/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 4 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
HELOC - Up to 80% LTV - - 7.00% Revolving Line
No additional details.
Last Updated 10/02/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 14, 2026: 6.75% APROct 2, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.00%▲ from 6.75%
  • Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
HELOC - Up to 90% LTV - - 7.75% Revolving Line
No additional details.
Last Updated 10/02/2026
Rate History
1 change since Sep 14, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50%
7.00%7.63%8.25%Sep 14, 2026: 7.50% APROct 2, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.75%▲ from 7.50%
  • Sep 14, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%

Heartland Credit Union Inver Grove Heights, MN Auto Loan Rates

Product Rate Points APR Term View More
New & Used Vehicle Loan - - 4.49% Up to 36 Months
Details Model Year: 2021 and Newer; ***
Last Updated 10/01/2026
Rate History
1 change since Sep 14, 2026 · 4.69% → 4.49% ▼ 0.20 pts · high 4.69% / low 4.49%
3.99%4.59%5.19%Sep 14, 2026: 4.69% APRSep 26, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
  • Sep 26, 20264.49%▼ from 4.69%
  • Sep 14, 20264.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
New & Used Vehicle Loan - - 4.99% 37-60 Months
Details Model Year: 2021 and Newer; ***
Last Updated 10/01/2026
Rate History
1 change since Sep 14, 2026 · 5.19% → 4.99% ▼ 0.20 pts · high 5.19% / low 4.99%
4.49%5.09%5.69%Sep 14, 2026: 5.19% APRSep 26, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Sep 26, 20264.99%▼ from 5.19%
  • Sep 14, 20265.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Older Vehicle Loan - - 4.99% Up to 36 Months
Details Model Year: 2020 and Older; ***
Last Updated 10/01/2026
Rate History
1 change since Sep 14, 2026 · 5.19% → 4.99% ▼ 0.20 pts · high 5.19% / low 4.99%
4.49%5.09%5.69%Sep 14, 2026: 5.19% APRSep 26, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Sep 26, 20264.99%▼ from 5.19%
  • Sep 14, 20265.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
New & Used Vehicle Loan - - 5.24% 61-72 Months
Details Model Year: 2021 and Newer; ***
Last Updated 10/01/2026
Rate History
1 change since Sep 14, 2026 · 5.44% → 5.24% ▼ 0.20 pts · high 5.44% / low 5.24%
4.74%5.34%5.94%Sep 14, 2026: 5.44% APRSep 26, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
  • Sep 26, 20265.24%▼ from 5.44%
  • Sep 14, 20265.44%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
New & Used Vehicle Loan - - 5.49% 73 to 84 Months
Details Model Year: 2021 and Newer; ***; min. $25,000
Last Updated 10/01/2026
Rate History
1 change since Sep 14, 2026 · 5.69% → 5.49% ▼ 0.20 pts · high 5.69% / low 5.49%
4.99%5.59%6.19%Sep 14, 2026: 5.69% APRSep 26, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Sep 26, 20265.49%▼ from 5.69%
  • Sep 14, 20265.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Older Vehicle Loan - - 5.49% 37-60 Months
Details Model Year: 2020 and Older; ***
Last Updated 10/01/2026
Rate History
1 change since Sep 14, 2026 · 5.69% → 5.49% ▼ 0.20 pts · high 5.69% / low 5.49%
4.99%5.59%6.19%Sep 14, 2026: 5.69% APRSep 26, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Sep 26, 20265.49%▼ from 5.69%
  • Sep 14, 20265.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Older Vehicle Loan - - 5.99% 61-72 Months
Details Model Year: 2020 and Older; ***; min $20,000
Last Updated 10/01/2026
Rate History
1 change since Sep 14, 2026 · 6.19% → 5.99% ▼ 0.20 pts · high 6.19% / low 5.99%
5.49%6.09%6.69%Sep 14, 2026: 6.19% APRSep 26, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Sep 26, 20265.99%▼ from 6.19%
  • Sep 14, 20266.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%

Heartland Credit Union Inver Grove Heights, MN RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New & Used Recreational Vehicles RV, Ice House, Boat, Motorcycle, ATVs, Snowmobiles, Jet Ski Loan - 6.55% Up to 84 Months
Details Model Year: 2021-2026
Last Updated 10/01/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 6.55% ▼ 0.20 pts · high 6.75% / low 6.55%
6.05%6.65%7.25%Sep 14, 2026: 6.75% APRSep 26, 2026: 6.55% APRSep 14, 2026Oct 13, 2026
  • Sep 26, 20266.55%▼ from 6.75%
  • Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
New and Used Recreational RV, Ice House, Trailer, Boat, Motorcycle, ATVs, Snowmobiles, Jet Ski Loan - 7.30% 85-180 Months
Details Model Year: 2021-2026
Last Updated 10/01/2026
Rate History
1 change since Sep 14, 2026 · 7.50% → 7.30% ▼ 0.20 pts · high 7.50% / low 7.30%
6.80%7.40%8.00%Sep 14, 2026: 7.50% APRSep 26, 2026: 7.30% APRSep 14, 2026Oct 13, 2026
  • Sep 26, 20267.30%▼ from 7.50%
  • Sep 14, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Older Recreational Vehicles RV, Ice House, Trailer, Boat, Motorcycle, ATVs, Snowmobiles, Jet Ski Loan - 7.55% Up to 84 Months
Details Model Year: 2020 and older
Last Updated 10/01/2026
Rate History
1 change since Sep 14, 2026 · 7.75% → 7.55% ▼ 0.20 pts · high 7.75% / low 7.55%
7.05%7.65%8.25%Sep 14, 2026: 7.75% APRSep 26, 2026: 7.55% APRSep 14, 2026Oct 13, 2026
  • Sep 26, 20267.55%▼ from 7.75%
  • Sep 14, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Older Recreational Vehicles RV, Ice House, Trailer, Boat, Motorcycle, ATVs, Snowmobiles, Jet Ski Loan - 8.30% 85-180 Months
Details Model Year: 2020 and older
Last Updated 10/01/2026
Rate History
1 change since Sep 14, 2026 · 8.50% → 8.30% ▼ 0.20 pts · high 8.50% / low 8.30%
7.80%8.40%9.00%Sep 14, 2026: 8.50% APRSep 26, 2026: 8.30% APRSep 14, 2026Oct 13, 2026
  • Sep 26, 20268.30%▼ from 8.50%
  • Sep 14, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%

Heartland Credit Union Inver Grove Heights, MN Credit Card Rates

Product Rate APR View More
Visa Platinum+++++ - 10.90%
Details Published APR range: 10.90%-14.90%.
Last Updated 10/01/2026
Rate History
No change since Sep 26, 2026 · 10.90% APR · checked 2 times
10.40%10.90%11.40%Sep 26, 2026: 10.90% APRSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Visa Platinum Rewards+++++ - 11.90%
Details Published APR range: 11.90%-15.90%.
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 11.90% APR · checked 3 times
11.40%11.90%12.40%Sep 14, 2026: 11.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Visa Signature+++++ - 13.90%
Details Published APR range: 13.90%-17.90%.
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 13.90% APR · checked 3 times
13.40%13.90%14.40%Sep 14, 2026: 13.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%

Heartland Credit Union Inver Grove Heights, MN Personal Loan Rates

Product APR Term View More
Home Improvement+ (Unsecured) - Max loan amt 11.49% Up to 5 years
Details As Low As; Unsecured
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 3 times
10.99%11.49%11.99%Sep 14, 2026: 11.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Home Improvement+ (Unsecured) - Max loan amt 11.99% Up to 10 years
Details As Low As; Unsecured
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 3 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Visa Signature+++++ 13.90% Revolving Line
Details Published APR range: 13.90%-17.90%.
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 13.90% APR · checked 3 times
13.40%13.90%14.40%Sep 14, 2026: 13.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%

Heartland Credit Union Inver Grove Heights, MN Other Rates

Product Rate Points APY/APR Term View More
Home Free - No Closing Costs+++ Loan - - 6.49% 10 years
Details As Low As; +++
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 3 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Home Free+ Loan - - 6.99% 15 years
Details As Low As; **
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 3 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Lifestyle Loan - - 11.49% Up to 60 Months
Details As low as; ***
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 3 times
10.99%11.49%11.99%Sep 14, 2026: 11.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Line of Credit - - 12.50% Revolving Line
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 12.50% APR · checked 3 times
12.00%12.50%13.00%Sep 14, 2026: 12.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
IRA and Coverdell Savings 0.05% - 0.05%
Min Deposit $50
Min Balance $0
Details Balance: $0.01 - $2,499.99
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
IRA and Coverdell Savings 0.05% - 0.05%
Min Deposit $50
Min Balance $2,500
Details Balance: $2,500 - $9,999.99
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
IRA and Coverdell Savings 0.05% - 0.05%
Min Deposit $50
Min Balance $10,000
Details Balance: $10,000 +
Last Updated 10/01/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
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.
Powered by MonitorBankRates

Financial Health History

Heartland Credit Union Inver Grove Heights, MN’s Texas Ratio rose from 2.40% in Q3 2023 to 4.68% 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.

0% 1.0★ 1.9% 2.0★ 3.8% 3.0★ 5.8% 4.0★ 7.7% 5.0★ Healthy zone – entire history below the 15% limit 2.40% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 4.68% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$172M4.68%5.0A+
March 31, 2026$176M2.23%5.0A+
December 31, 2025$174M3.53%5.0A+
September 30, 2025$177M3.29%5.0A+
June 30, 2025$179M5.68%5.0A+
March 31, 2025$181M1.68%5.0A+
December 31, 2024$178M3.19%5.0A+
September 30, 2024$178M5.08%5.0A+
June 30, 2024$181M2.98%5.0A+
March 31, 2024$189M2.22%5.0A+
December 31, 2023$190M2.77%5.0A+
September 30, 2023$189M2.40%5.0A+
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 Inver Grove Heights, MN 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 Inver Grove Heights, MN 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 Inver Grove Heights, MN's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Heartland Credit Union Inver Grove Heights, MN
Website https://www.heartlandcu.com
Address 5500 S Robert Trl, Inver Grove Heights, MN 55077
Phone 651-451-5160
Fax 651-451-4340
President Rex Carlson
CEO Kathleen Harrington
Full-Time Employees 30
Part-Time Employees 1
Branch Locations 4
ATM Locations 4
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.68%
Return on Assets (ROA)
0.0168%
Return on Equity (ROE)
0.1664%
Non-Performing Loans Ratio (NPL)
0.83%
Total Assets
172,007,628
Total Amount of Shares and Deposits
148,223,403
Total Shares and Deposits < 1 Year
144,516,803
Total Shares and Deposits 1 3 Years
2,319,730
Total Shares and Deposits > 3 Years
1,386,870
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,862,473
Total Uninsured Shares and Deposits > $250K (F+J)
7,862,473
Total Insured Shares and Deposits > $250K (item 17 less item K)
140,360,930
Total Interest Expense (Sum of items 6 8)
959,943
Share Certificates
1,065
Number of Accounts for Share Drafts
6,775
IRA KEOGH Accounts
274
Number of Accounts for Regular Shares
12,559
Money Market Shares
151
Net Income (unless the amount is already included in Undivided Earnings)
131,687
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)
844,186
Total Liabilities
157,482,104
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Heartland Credit Union Inver Grove Heights, MN earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/heartland-credit-union-rates-review-64168">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Heartland Credit Union Inver Grove Heights, MN yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Heartland Credit Union Inver Grove Heights, MN
Your Name:
Your Rating:

Frequently Asked Questions About Heartland Credit Union Inver Grove Heights, MN

How many branches does Heartland Credit Union Inver Grove Heights, MN operate?

Heartland Credit Union Inver Grove Heights, MN 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 Inver Grove Heights, MN?

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

Does Heartland Credit Union Inver Grove Heights, MN offer online and mobile banking?

Most modern institutions like Heartland Credit Union Inver Grove Heights, MN 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.com.

Current Heartland Credit Union Inver Grove Heights, MN Rates

  • 12-Month CD2.25%
  • 18-Month CD2.25%
  • 24-Month CD2.00%
  • 60-Month CD2.25%
  • Savings2.55%
  • MMA0.50%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Linton Federal Credit Union Aspen Federal Credit Union Piedmont Advantage Credit Union First Priority Credit Union Abilene, TX Highway Employees Credit Union Nikkei Credit Union Consumers Federal Credit Union Morton Federal Credit Union Minnesota Power Employees Credit Union Franklin Somerset Federal Credit Union Members Choice Credit Union Denver Community Credit Union DBA Zing Credit Union The County Federal Credit Union TruNorthern Federal Credit Union SISTERS HOSPITAL EMPLOYEES Indianhead Credit Union Victoria City County Employees Federal Credit Union MassMutual Federal Credit Union OneAZ Credit Union PROFINANCE New Haven Teachers Federal Credit Union