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 Heartland Credit Union Springfield, IL Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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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: September 22, 2026
Heartland Credit Union Springfield, IL's 12 Month Kid/Teen Club Add-On CD of Deposit rates are at 3.76%, 30 Month CD rates are at 3.61%, 36 Month CD rates are at 3.61%, 13 Month CD rates are at 3.56%, 14 Month CD rates are at 3.56%. Heartland Credit Union Springfield, IL's savings rates are at 0.85%. Heartland Credit Union Springfield, IL's money market rates are at 0.85%. Heartland Credit Union Springfield, IL's Personal Loan Rates are as low as 9.50%. MonitorBankRates evaluates the financial stability of Heartland Credit Union Springfield, IL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.86%. Rates last updated and verified on 09/22/2026. Heartland Credit Union Springfield, IL 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 Springfield, IL? Share your experience about Heartland Credit Union Springfield, IL by leaving a review below, or read customer reviews before you decide to use Heartland Credit Union Springfield, IL. Heartland Credit Union Springfield, IL
Main 2213 W White Oaks Dr
https://www.hcu.org Springfield, IL 62704 
Heartland Credit Union Springfield, IL CD Rates
Heartland Credit Union Springfield, IL Savings Rates
Heartland Credit Union Springfield, IL Money Market Rates
Heartland Credit Union Springfield, IL Checking Rates
Heartland Credit Union Springfield, IL Home Equity & HELOC
Heartland Credit Union Springfield, IL Auto Loan Rates
Heartland Credit Union Springfield, IL RV, Boat and Powersport Loan Rates
Heartland Credit Union Springfield, IL Personal Loan Rates
Financial Health HistoryHeartland Credit Union Springfield, IL’s Texas Ratio stayed near 0.82% in Q2 2023 to 0.86% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Heartland Credit Union Springfield, IL 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 Springfield, IL 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 Springfield, IL's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Heartland Credit Union Springfield, IL
Website
https://www.hcu.org
Address
2213 W White Oaks Dr,
Springfield, IL 62704
Phone
217-726-8877
Fax
217-726-2157
President
Jane Kiel
CEO
Aaron Rios
Full-Time Employees
78
Part-Time Employees
2
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.86%
Return on Assets (ROA)
0.3823%
Return on Equity (ROE)
2.8926%
Non-Performing Loans Ratio (NPL)
0.18%
Total Assets
574,580,171
Total Amount of Shares and Deposits
497,013,572
Total Shares and Deposits < 1 Year
458,492,126
Total Shares and Deposits 1 3 Years
35,183,112
Total Shares and Deposits > 3 Years
3,338,334
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
30,005,270
Total Uninsured Shares and Deposits > $250K (F+J)
30,005,270
Total Insured Shares and Deposits > $250K (item 17 less item K)
467,008,302
Total Interest Expense (Sum of items 6 8)
2,317,302
Share Certificates
3,592
Number of Accounts for Share Drafts
13,895
IRA KEOGH Accounts
564
Number of Accounts for Regular Shares
42,515
Money Market Shares
2,766
Net Income (unless the amount is already included in Undivided Earnings)
2,196,470
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)
93,936,656
Total Liabilities
498,857,128
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Heartland Credit Union Springfield, IL yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Heartland Credit Union Springfield, IL
Frequently Asked Questions About Heartland Credit Union Springfield, ILHow many branches does Heartland Credit Union Springfield, IL operate?Heartland Credit Union Springfield, IL 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 Springfield, IL?Yes, to access services at Heartland Credit Union Springfield, IL, 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 Springfield, IL 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 Springfield, IL provides members with tools to manage their accounts and build a solid financial history. Does Heartland Credit Union Springfield, IL offer online and mobile banking?Most modern institutions like Heartland Credit Union Springfield, IL 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.hcu.org. Current Heartland Credit Union Springfield, IL Rates
Retrieved from our database of financial products. Rates subject to change.
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