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Indiana Heartland

402 S BERKLEY RD, Kokomo, IN 46901
NCUA Insured4.8 (227 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1972

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

Location & Directions

Address

402 S BERKLEY RD

Kokomo, IN 46901

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(765) 854-3067

Service Area

This credit union is located in Kokomo and serves members in the IN area. Currently serving 5,153 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

5.68%

Used Auto Loan

7.76%

Personal Loan

11.61%

Credit Card APR

13.30%

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 IN

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

Everwise— New Auto Loan

South Bend, IN

2.39%
Family Horizons— Used Auto Loan

Indianapolis, IN

3.40%
Hobart Ind School Employees— Personal Loan

Hobart, IN

4.00%
Power One— Credit Card APR

Fort Wayne, IN

6.90%

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

Branches & Locations(2 total)

Member Reviews

4.8

227 Google reviews

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

View on Google Maps
Pam CRAIG

Pam CRAIG

3 months ago

Absolutely love Heartland Federal Credit Union, very friendly and caring. I go through the drive up alot of times and Amber is so kind and sweet always willing to help. Buffy is the sweetest and easy to work with.

Lisa Hughes

Lisa Hughes

3 months ago

By far the best bank in Kokomo! The people are amazing and they go above and beyond for their customers!!!

Lynda Boruff

Lynda Boruff

10 months ago

To good not to share Indiana Heartland is by far hands down the best financial institution our town has to offer! I have been banking there for 5 years and wouldn't go anyplace else. Buffy and the team are beyond amazing. She makes time for you even without an appointment and never turns you away and really makes you feel welcome and is eager to help you . she don't make you feel rushed or pass you off to someone else. (And we all know, she is a very busy lady)but she places customer service over all else . she has that old school first name basis vibe along with unparalleled customer service that we all deserve is being served here by her and her crew . I can't say enough great things about them. Go check them out.you will be glad you did.

Sue Allman

Sue Allman

3 months ago

Always friendly, knowledgeable and helpful members of the crew. I enjoy my interactions with IHFCU, every time.

Mike McKibben

Mike McKibben

4 months ago

Current technology, fast and friendly service, along with the best rates in town. If you are looking for a bank with the community’s interest in mind choose Indiana Heartland!

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).