Credit union · NCUA insured
Heartland Credit Union
A $656.7M credit union headquartered in Madison, WI, with 33,565 members and 12 branches in Wisconsin. Best rates: CDs 4.25% and savings 0.15% APY.
Heartland Credit Union Carrot Score
71
Carrot Score
Higher than 29% of U.S. banks and credit unions
#26 of 39 in Madison, WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Heartland Credit Union
Organized in Madison in 1936, Heartland Credit Union is a member-owned financial cooperative based in Madison, Wisconsin.
It serves more than 35,000 individuals and small businesses across southern Wisconsin through 13 branch locations.
- Headquarters
- 5325 High Crossing Blvd, Madison, WI 53718-2301
- NCUA charter
- 66710
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This may be incomplete or out of date, so check with the credit union before you apply.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 open to individuals who live, work, worship, or attend school in southern Wisconsin.
Family and household
- Membership is open to immediate family members of current members.
Cost to join
- An initial deposit is required upon approval of the account request.
Branches
12 branches in Wisconsin
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Wisconsin
12 branches
Madison area · 9
- Heartland CorporateMain office5325 High Crossing Blvd, Madison, WI 53718Directions
- Heartland-DeForest120 Vinburn Rd, DeForest, WI 53532Directions
- Heartland-Dodgeville1205 Joseph St, Dodgeville, WI 53533Directions
- Heartland-E. Washington Ave3394 E Washington Ave, Madison, WI 53704Directions
- Heartland-Rimrock Rd101 E Rusk Ave, Madison, WI 53713Directions
- Heartland-Struck St709 Struck St, Madison, WI 53711Directions
- Heartland-Williamson Street944 Williamson St, Madison, WI 53703Directions
- Heartland-Oregon744 N Main St, Oregon, WI 53575Directions
- Heartland-Verona105 Enterprise Dr, Verona, WI 53593Directions
Platteville area · 2
- Heartland-Lancaster1000 Ihm St, Lancaster, WI 53813Directions
- Heartland-Platteville1520 E Business Highway 151, Platteville, WI 53818Directions
Janesville area · 1
- Heartland-SSM Janesville3400 E Racine St, Janesville, WI 53546Directions
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 | 11.69% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.42% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.86% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $80 | $76 | — |
- CapitalNet worth ratio11.69%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.42%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.86%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$80Peers’ 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.