Credit union · NCUA insured
Iowa Heartland Credit Union
A $31.2M credit union headquartered in Mason City, IA, with 3,350 members and 1 branch in Iowa. Best rates: CDs 3.74% and savings 1.00% APY.
Iowa Heartland Credit Union Carrot Score
77
Carrot Score
Higher than 43% of U.S. banks and credit unions
#3 of 9 in Mason City, IA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Iowa Heartland Credit Union
Iowa Heartland Credit Union is headquartered in Mason City, Iowa, and serves nine North Iowa counties.
- Headquarters
- 1602 S Monroe Ave, Mason City, IA 50401
- NCUA charter
- 60718
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who reside or work in Butler, Cerro Gordo, Floyd, Franklin, Hancock, Mitchell, Winnebago, Worth, or Wright County in North Iowa are eligible for membership.
Family and household
- Immediate family members of an existing Iowa Heartland Credit Union member are eligible to join.
Cost to join
- A $25.00 deposit is required to open a Share (Savings) Account and purchase one share of ownership in Iowa Heartland Credit Union.
Branches
1 branch in Iowa
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Iowa
1 branch
- Iowa Heartland Credit UnionMain office1602 S Monroe Ave, Mason City, IA 50401Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.04% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.42% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.36% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $46 | $59 | — |
- CapitalNet worth ratio17.04%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.42%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.36%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$46Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Iowa 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.