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Heartland

2213 W White Oaks Dr, Springfield, IL 62704
NCUA Insured3.2 (41 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1946

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

2213 W White Oaks Dr

Springfield, IL 62704

Service Area

This credit union is located in Springfield and serves members in the IL area. Currently serving 35,257 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.89%

Used Auto Loan

5.29%

Personal Loan

13.37%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IL

Lowest rates currently reported by credit unions in IL (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

3.2

41 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Brandon Miles

Brandon Miles

6 months ago

Had a loan with this company. The vehicle got totaled, both had insurance and we had gap insurance. Called bank they told us not to worry since we had gap. Took a little over a month and half and insurance and gap paid off the vehicle. We got called saying we owed interest for a month in-between them getting paid out. I called gap to see why we owed money. They informed they paid off the full balance that insurance left. As I was figuring everything out heartland hit our credit score with missing car payments for 2 months sending our credit score from 730 to 520. We paid the interest so they wouldn't hit the credit again and now have to go for legal help and submit claims threw cupboard. I wouldn't recommend getting loans threw these people as they were rude, uncaring, and harassing..

William Shipley

William Shipley

5 months ago

They give you the biggest runaround to set up direct deposit and providing proof of insurance. Highly recommend going somewhere else. I am trying to pay them and they have wasted three hours of my day. They were polite, but their systems and processes are way out of wack.

Dragon Knight DJX

Dragon Knight DJX

10 months ago

Fast, Easy, and Friendly! They Got Our Family Rolling! I just wanted to write a quick review for the awesome folks over at the Heartland Credit Union on White Oaks Drive here in Springfield. They really helped me and my family out in a big way. We needed to get a nice, reliable Chrysler minivan, and they made it happen for us. The whole process for the loan was so fast and easy, I was honestly surprised. The customer service was great, and they made everything simple to understand. We were able to achieve our goal and drive off in our new van feeling confident and happy. A huge thank you to Heartland Credit Union!

Doug Godair

Doug Godair

a year ago

Stop by to get a payoff on my loan. Talk to 3 different tellers to make sure of the amount. Went to a different Bank and got a cashier check for that amount. In about 90minute I went back to payoff my loan and was informed the payoff was $459 more than they told me. There is nothing that aggregates me more than to be lie to. I would not recommend this Bank to anyone.

NK

NK

a year ago

Incompetent and rude people work here. From the personal bankers who are supposed to open your accounts (messed all that up 1 year ago which took 3 additional visits and several phone calls to rectify) to simple cash deposits in the drive through (she didnt listen to me, applied the amount to my car loan, no apology, super rude about the mistake). I am so exhausted dealing with them so I took my direct deposit back to my previous bank but unfortunately still have an auto loan through heartland. I have had nothing but bad experiences at this branch for the last 13-14 months. The one on Sangamon is just as bad. I have less experience with the one off of south 6th street but at this point, I don't care. Back to BoS! I've been with them for almost 2 decades and won't ever switch again.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).