Credit union · NCUA insured
Heartland Credit Union
Top CarrotA $574.6M credit union headquartered in Springfield, IL, with 35,517 members and 3 branches in Illinois. Best rates: CDs 3.71% and savings 1.61% APY.
Heartland Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#2 of 22 in Springfield, IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Heartland Credit Union
Heartland Credit Union is based in Springfield, Illinois.
- Headquarters
- 2213 W White Oaks Dr, Springfield, IL 62704
- NCUA charter
- 64441
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who resides or works in Cass, Macoupin, Christian, Madison, Dewitt, Menard, Logan, Montgomery, McLean, Morgan, Macon, or Sangamon County.
Employers and groups
- Membership is available to individuals employed by Memorial Health System and controlled affiliates of Memorial Health System.
- Membership is available to members of Gospel Kingdom Church.
- Membership is available to members of a Laborers' Local belonging to any District Council part of the Midwest Region of the Laborers International Union of North America (LIUNA).
Military, government and schools
- Membership is available to individuals employed by Southern Illinois Airport Authority.
- Membership is available to individuals employed by SIU School of Medicine.
3 more ways to join
Military, government and schools
- Membership is available to individuals employed by Springfield Mass Transit District.
- Membership is available to individuals employed by the United States Government.
Family and household
- Membership is available to immediate family members, including relatives by blood or marriage, or foster and adopted children, of someone who is eligible to join the credit union.
Branches
3 branches in Illinois
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Illinois
3 branches
- MainMain office2213 W White Oaks Dr, Springfield, IL 62704Directions
- North2712 E Sangamon Ave, Springfield, IL 62702Directions
- St Joseph610 E Saint Joseph St, Springfield, IL 62703Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.74% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.25% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.81% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio13.74%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.25%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.81%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$79Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Heartland Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.