Indiana Heartland Federal Credit Union Rates and Review February 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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Indiana Heartland Federal Credit Union's 5 month CD 5 Month Special rates are at 4.25%, 8 month CD 8 Month Special rates are at 4.10%, 15 month CD 15 Month Special rates are at 3.75%, 27 month CD 27 Month Special rates are at 3.55%, CD 60 Month rates are at 3.39%. You can compare Indiana Heartland Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.95%, 6-month share certificate rates at 2.40% and 3-month share certificate rates at 1.41%. Savings rates are at 0.10% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.45%. All these rates, and more, can be found in our database of rates which you can compare to Indiana Heartland Federal Credit Union rates.
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 by leaving a review below, or read customer reviews before you decide to use . Indiana Heartland Federal Credit Union Texas RatioIndiana Heartland Federal Credit Union's Texas Ratio is at 16.90%, which is considered good. The Texas Ratio for Indiana Heartland Federal Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This suggests that while Indiana Heartland Federal Credit Union has some non-performing assets, it maintains sufficient capital reserves to handle potential losses. MonitorBankRates Rating
4.8
Excellent
Out of 5.0 Stars
Indiana Heartland Federal Credit Union has earned a Smart Rating of 4.8 out of 5 stars. 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. Overall, Indiana Heartland Federal Credit Union is an excellent credit union worth considering, with an overall rating of 4.8 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Indiana Heartland Federal Credit Union
indiana heartland federal credit union 402 S Berkley Rd
kokomo, IN 46901 
Indiana Heartland Federal Credit Union CD Rates
Indiana Heartland Federal Credit Union Savings Rates
Indiana Heartland Federal Credit Union Checking Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewCredit Union Name: Indiana Heartland Federal Credit Union
Website: https://www.indianaheartland.org
Full Time Employees: 8Part Time Employees: 1 President: karen windsor CEO: buffey hedrick Branch Locations: 1 ATM Locations: 1 Corporate Office Address:
402 S Berkley Rd
kokomo, IN 46901 Phone Number: 765-854-3067 Fax Number: 765-854-3069 FinancialsTotal Assets:
45,858,866
Total Amount of Shares and Deposits:
40,511,660
Total Shares and Deposits < 1 Year:
38,051,418
Total Shares and Deposits 1 3 Years:
1,997,931
Total Shares and Deposits > 3 Years:
462,311
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
2,227,966
Total Uninsured Shares and Deposits > $250K (F+J):
2,231,019
Total Insured Shares and Deposits > $250K (item 17 less item K):
38,280,641
Total Interest Expense (Sum of items 6 8):
813,502
Share Certificates:
329
Number of Accounts for Share Drafts:
2,873
Number of Accounts for Regular Shares:
5,966
Non Member Deposits:
12
Net Income (unless the amount is already included in Undivided Earnings):
632,967
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
2,983,697
Total Liabilities:
40,674,337
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Indiana Heartland Federal Credit UnionIs 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. Is there a first-time homebuyer program?Currently, Indiana Heartland Federal Credit Union provides a range of mortgage and home equity products. Is Indiana Heartland Federal Credit Union a safe place to deposit money?Yes, Indiana Heartland Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Indiana Heartland Federal Credit Union offer online and mobile banking?Most modern institutions like Indiana Heartland Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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