Credit union · NCUA insured
Heartland Credit Union Credit Card Rates
Heartland Credit Union credit card rates start at 11.75% APR. Rates checked October 16, 2026.
How Heartland Credit Union’s credit card rates compare
Compared with banks and credit unions near Madison, WI, where Heartland Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Heartland Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
Wings Credit Union
10.74%APR
- Up to
- 21.74% APR
2nd-lowest rate
Blackhawk Community Credit Union
11.75%APR
- Up to
- 17.75% APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Mastercard
Variable rate tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. Actual rate is based on credit history. Rates could be as low as 11.75% or as high as 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.75% | None | As low as APR for purchases. Non-promotional variable rate tied to Prime Rate (7.00% as of September 17, 2025); rate ranges from 11.75% to 18.00% based on credit history. $0 annual fee. |
Sources (2)
All captured Oct 5, 2026
Who can join Heartland Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.