What are the current interest rates at Heartland Credit Union Madison, WI?

Current rates for Heartland Credit Union Madison, WI include: 12-Month CD: 2.00%, 18-Month CD: 2.55%, 24-Month CD: 3.60%, 60-Month CD: 3.50%, Savings: 0.15%, MMA: 3.00%

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Heartland Credit Union Madison, WI

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Heartland Credit Union Madison, WI Rates & Review October 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 and Verified: October 9, 2026

Heartland Credit Union Madison, WI's top rates as of October 9, 2026 are 4.25% APY on its Term 14 month special CD, 0.15% APY on savings, 3.00% APY on money market accounts, 0.03% APY on checking, 6.75% on its 5 YR HCU ARM mortgage, personal loans from 11.49% APR, and credit cards from 11.75% APR, according to rates verified by MonitorBankRates. Other Heartland Credit Union Madison, WI CD rates include Term 9 month special at 4.00%, Term 24 month at 3.60%, and Term 36 month at 3.50%. Other Heartland Credit Union Madison, WI mortgage rates include 5 YR ARM at 6.82%, 10 Year Fixed at 6.75%, and First-Time Homebuyer - 10 Year Fixed at 6.75%. 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 2.39%. Rates last updated and verified on 10/09/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.39%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Heartland Credit Union Madison, WI
Heartland Corporate

5325 High Crossing Blvd
Madison, WI 53718-2301

https://www.heartlandcu.org

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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 Madison, WI CD Rates

Product	Rate	APY	Term
Term 14 month special	4.18%	4.25%	14 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Term 9 month special	3.94%	4.00%	9 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Term 24 month	3.55%	3.60%	24 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Term 36 month	3.455%	3.50%	36 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Term 48 month	3.455%	3.50%	48 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Term 60 month	3.455%	3.50%	60 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Term 18 month	2.53%	2.55%	18 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Term 12 month	2.48%	2.50%	12 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Term 12 month add-on	2.23%	2.25%	12 month
Min Deposit $250 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
12 Month HSA Certificate	1.99%	2.00%	12 Month
Min Balance $500 Details Balance: $500 minimum Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Term 12 month HSA	1.99%	2.00%	12 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Term 6 month	1.29%	1.30%	6 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Term 3 month	0.60%	0.60%	3 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Savings Rates

Product	Rate	APY
Product IRA/Education Savings	0.15%	0.15%
Min Balance $100 Details Balance: $100.00 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Product Membership Savings	0.10%	0.10%
Min Balance $100 Details Balance: $100 - $199.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Product Saver's Sweepstakes Savings	0.10%	0.10%
Min Balance $25 Details Balance: $25 - $199.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Product Special Purpose Savings	0.10%	0.10%
Min Balance $200 Details Balance: $200.00 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Money Market Rates

Product	Rate	APY
Heartland Money Market	2.96%	3.00%
Min Balance $200,000 Details Balance: $200,000+ Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Heartland Money Market	1.98%	2.00%
Min Balance $150,000 Details Balance: $150,000 - $199,999 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Heartland Money Market	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Heartland Money Market	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Business Checking Rates

Product	Rate	APY	View More
Product Business Checking	0.03%	0.03%
Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.03% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Mortgage Rates

Product	Rate	Points	APR	Term
5 YR ARM	-	-	6.822%	5 years
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 6.82% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
5 YR HCU ARM	6.75%	-	6.822%	5 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 6.82% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
10 Year Fixed	6.75%	-	6.914%	10 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 7.04% → 6.91% ▼ 0.13 pts · high 7.04% / low 6.91% Oct 9, 20266.91%▼ from 7.04% Oct 1, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
First-Time Homebuyer - 10 Year Fixed	6.75%	-	6.914%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.91% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
15 Year Fixed	6.875%	-	6.993%	15 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 6.99% → 6.99% ▲ 0.00 pts · high 6.99% / low 6.99% Oct 9, 20266.99%▲ from 6.99% Oct 1, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
First-Time Homebuyer - 15 Year Fixed	6.875%	-	6.993%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
7 YR HCU ARM	7.125%	-	7.021%	7 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 7.13% → 7.02% ▼ 0.10 pts · high 7.13% / low 7.02% Oct 9, 20267.02%▼ from 7.13% Oct 1, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
10 YR HCU ARM	7.50%	-	7.335%	10 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 7.50% → 7.34% ▼ 0.17 pts · high 7.50% / low 7.34% Oct 9, 20267.34%▼ from 7.50% Oct 1, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
20 Year Fixed	7.25%	-	7.34%	20 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 7.35% → 7.34% ▼ 0.01 pts · high 7.35% / low 7.34% Oct 9, 20267.34%▼ from 7.35% Oct 1, 20267.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
First-Time Homebuyer - 20 Year Fixed	7.25%	-	7.34%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
30 Year Fixed	7.375%	-	7.45%	30 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 7.58% → 7.45% ▼ 0.13 pts · high 7.58% / low 7.45% Oct 9, 20267.45%▼ from 7.58% Oct 1, 20267.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
First-Time Homebuyer - 30 Year Fixed	7.375%	-	7.45%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.49%	Revolving line of cr
Details Term: Revolving line of credit; As Low As Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 2, 20266.49%▲ from 6.24% Oct 1, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Auto Loan Rates

Product	Rate	Points	APR	Term
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer) Loan	-	-	4.49%	36 months
Details Published APR range: 4.49% - 17.24%. Rates effective as of: October 9, 2026. APR is the Annual Percentage Rate. REGULAR, NON-PROMOTIONAL car, truck, motorcycle, boat, and motor home rates range between: 4.49% - 17.24% (2024 and newer), 4.99% - 17.74% (2023 - 2017), 7.24% - 19.99% (2016 - 2011), 11.49% - 20.49% (2010 and older), and 5.99% - 18.49% (other recreation vehicles 2017 and newer) APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated lowest monthly payment examples = $29.97 (2024 and newer), $30.19 (2023 - 2017), $30.87 (2016 - 2011), $32.73 (2010 and older), $30.42 (other recreation vehicles 2017 and newer), per $1,000 for 36 months. Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 4.74% → 4.49% ▼ 0.25 pts · high 4.74% / low 4.49% Oct 9, 20264.49%▼ from 4.74% Oct 1, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2023 - 2017) Loan	-	-	4.99%	36 months
Details Published APR range: 4.99% - 17.74%. Estimated lowest monthly payment examples = Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2023 to 2017) Loan	-	-	4.99%	36 months
Details Published APR range: 4.99% - 17.74%. APR is the Annual Percentage Rate. REGULAR, NON-PROMOTIONAL car, truck, motorcycle, boat, and motor home rates range between: 4.49% - 17.24% (2024 and newer), 4.99% - 17.74% (2023 - 2017), 7.24% - 19.99% (2016 - 2011), 11.49% - 20.49% (2010 and older), and 5.99% - 18.49% (other recreation vehicles 2017 and newer) APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated lowest monthly payment examples = $29.97 (2024 and newer), $30.19 (2023 - 2017), $30.87 (2016 - 2011), $32.73 (2010 and older), $30.42 (other recreation vehicles 2017 and newer), per $1,000 for 36 months. Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 5.24% → 4.99% ▼ 0.25 pts · high 5.24% / low 4.99% Oct 9, 20264.99%▼ from 5.24% Oct 1, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
New Car, Trucks, Motorcycles, Boats, and Motor Homes (other recreation vehicles 2017 and newer) Loan	-	-	5.99%	36 months
Details Published APR range: 5.99% - 18.49%. Estimated lowest monthly payment examples = Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2016 - 2011) Loan	-	-	7.24%	36 months
Details Published APR range: 7.24% - 19.99%. Estimated lowest monthly payment examples = Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Older Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2016 to 2011) Loan	-	-	7.24%	36 months
Details Published APR range: 7.24% - 19.99%. Rates effective as of: October 9, 2026. APR is the Annual Percentage Rate. REGULAR, NON-PROMOTIONAL car, truck, motorcycle, boat, and motor home rates range between: 4.49% - 17.24% (2024 and newer), 4.99% - 17.74% (2023 - 2017), 7.24% - 19.99% (2016 - 2011), 11.49% - 20.49% (2010 and older), and 5.99% - 18.49% (other recreation vehicles 2017 and newer) APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated lowest monthly payment examples = $29.97 (2024 and newer), $30.19 (2023 - 2017), $30.87 (2016 - 2011), $32.73 (2010 and older), $30.42 (other recreation vehicles 2017 and newer), per $1,000 for 36 months. Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 9, 20267.24%▲ from 6.99%* Oct 1, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2010 and older) Loan	-	-	11.49%	36 months
Details Published APR range: 11.49% - 20.49%. Estimated lowest monthly payment examples = Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2010 and older) Loan	-	-	11.49%	36 months
Details Published APR range: 11.49% - 20.49%. *APR is the Annual Percentage Rate. REGULAR, NON-PROMOTIONAL car, truck, motorcycle, boat, and motor home rates range between: 4.49% - 17.24% (2024 and newer), 4.99% - 17.74% (2023 - 2017), 7.24% - 19.99% (2016 - 2011), 11.49% - 20.49% (2010 and older), and 5.99% - 18.49% (other recreation vehicles 2017 and newer) APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated lowest monthly payment examples = $29.97 (2024 and newer), $30.19 (2023 - 2017), $30.87 (2016 - 2011), $32.73 (2010 and older), $30.42 (other recreation vehicles 2017 and newer), per $1,000 for 36 months. Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 11.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Vehicles: Snowmobiles - ATVs - Campers (2017 and newer) Loan	-	5.99%	36 months
Details Published APR range: 5.99% - 18.49%. Rates effective as of: October 9, 2026. *APR is the Annual Percentage Rate. REGULAR, NON-PROMOTIONAL car, truck, motorcycle, boat, and motor home rates range between: 4.49% - 17.24% (2024 and newer), 4.99% - 17.74% (2023 - 2017), 7.24% - 19.99% (2016 - 2011), 11.49% - 20.49% (2010 and older), and 5.99% - 18.49% (other recreation vehicles 2017 and newer) APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated lowest monthly payment examples = $29.97 (2024 and newer), $30.19 (2023 - 2017), $30.87 (2016 - 2011), $32.73 (2010 and older), $30.42 (other recreation vehicles 2017 and newer), per $1,000 for 36 months. Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Credit Card Rates

Product	Rate	APR
Mastercard Credit Card	-	11.75%
Details Published APR range: 11.75% - 18.00%. Non-promotional current rates will be applied to all purchases and cash advances. This is a variable rate program. Rates are variable and tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of September 17, 2025 is 7.00%, and could be as low as 11.75% or as high as 18.00%. Your actual rate is based on credit history. Payments shall be applied to the balance with the highest interest rate first. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Product Mastercard	-	11.75%
Details As Low As; *Rates subject to change. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Personal Loan Rates

Product	APR	Term	View More
Personal Loans	11.49%	Up to 60 months
Details APR as low as* Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 11.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

Heartland Credit Union Madison, WI Other Rates

Product	Rate	Points	APY/APR	Term
HomeReady 30 YR Fixed	7.375%	-	7.45%	30 years
Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 7.58% → 7.45% ▼ 0.13 pts · high 7.58% / low 7.45% Oct 9, 20267.45%▼ from 7.58% Oct 1, 20267.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Kwik Cash Line of Credit	-	-	18.00%	Revolving
Details APR as low as* Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 18.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
WHEDA First Time Home Buyer <=80% AMI Loan	6.625%	-	6.696%
Last Updated 10/09/2026 Rate History No change since Oct 2, 2026 · 6.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
WHEDA Preferred <=80% AMI Loan	7.50%	-	7.575%
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.58% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
HSA	0.10%	-	0.10%
Min Balance $0 Details Balance: $0 - $249.99 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
HSA	0.15%	-	0.15%
Min Balance $250 Details Balance: $250 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
HSA	0.22%	-	0.22%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 0.17% → 0.22% ▲ 0.05 pts · high 0.22% / low 0.17% Oct 9, 20260.22%▲ from 0.17% Oct 1, 20260.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
HSA	0.25%	-	0.25%
Min Balance $5,000 Details Balance: $5,000 - $14,999.99 Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 0.22% → 0.25% ▲ 0.03 pts · high 0.25% / low 0.22% Oct 9, 20260.25%▲ from 0.22% Oct 1, 20260.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
HSA	0.25%	-	0.25%
Min Balance $15,000 Details Balance: $15,000+ Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
HSA	0.17%	-	0.17%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 0.17% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
HSA	0.22%	-	0.22%
Min Balance $5,000 Details Balance: $5,000 - $14,999.99 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 0.22% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
HSA	0.15%	-	0.17%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 0.17% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Platinum Money Manager	2.23%	-	2.25%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Platinum Money Manager	1.98%	-	2.00%
Min Balance $200,000 Details Balance: $200,000 - $499,999 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Platinum Money Manager	1.74%	-	1.75%
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Platinum Money Manager	0.50%	-	0.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Platinum Money Manager	0.25%	-	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%
Platinum Money Manager	0.15%	-	0.15%
Min Balance $0 Details Balance: up to $24,999 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.39%

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Financial Health History

Heartland Credit Union Madison, WI’s Texas Ratio stayed near 2.66% in Q3 2023 to 2.39% 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.

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

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	$667M	2.39%	5.0	A+
March 31, 2026	$657M	1.56%	5.0	A+
December 31, 2025	$636M	2.70%	5.0	A+
September 30, 2025	$629M	2.27%	5.0	A+
June 30, 2025	$631M	2.12%	5.0	A+
March 31, 2025	$625M	2.83%	5.0	A+
December 31, 2024	$614M	3.31%	5.0	A+
September 30, 2024	$607M	4.21%	5.0	A+
June 30, 2024	$617M	3.69%	5.0	A+
March 31, 2024	$614M	3.27%	5.0	A+
December 31, 2023	$610M	2.64%	5.0	A+
September 30, 2023	$615M	2.66%	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 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 114

Part-Time Employees 14

Branch Locations 12

ATM Locations 12

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

2.39%

Return on Assets (ROA)

0.4186%

Return on Equity (ROE)

3.5811%

Non-Performing Loans Ratio (NPL)

0.42%

Total Assets

666,769,825

Total Amount of Shares and Deposits

581,773,604

Total Shares and Deposits < 1 Year

551,324,351

Total Shares and Deposits 1 3 Years

27,440,280

Total Shares and Deposits > 3 Years

3,008,973

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

33,914,529

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

33,914,529

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

547,859,075

Total Interest Expense (Sum of items 6 8)

3,591,368

Share Certificates

4,704

Number of Accounts for Share Drafts

24,143

IRA KEOGH Accounts

1,387

Number of Accounts for Regular Shares

42,353

All other shares

649

Money Market Shares

1,853

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)

21,526,737

Total Liabilities

587,377,558

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Heartland Credit Union Madison, WI 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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Heartland Credit Union Madison, WI

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.

Current Heartland Credit Union Madison, WI Rates

12-Month CD2.00%
18-Month CD2.55%
24-Month CD3.60%
60-Month CD3.50%
Savings0.15%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

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Heartland Credit Union Madison, WI Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Heartland Credit Union Madison, WI Texas Ratio

Heartland Credit Union Madison, WI Health Trend

Heartland Credit Union Madison, WI CD Rates

Heartland Credit Union Madison, WI Savings Rates

Heartland Credit Union Madison, WI Money Market Rates

Heartland Credit Union Madison, WI Business Checking Rates

Heartland Credit Union Madison, WI Mortgage Rates

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Heartland Credit Union Madison, WI RV, Boat and Powersport Loan Rates

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Heartland Credit Union Madison, WI Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Heartland Credit Union Madison, WI earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Heartland Credit Union Madison, WI

How many branches does Heartland Credit Union Madison, WI operate?

Is a member application needed to join Heartland Credit Union Madison, WI?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Heartland Credit Union Madison, WI offer online and mobile banking?

Current Heartland Credit Union Madison, WI Rates

Compare to Other Credit Unions