Iowa Heartland

1602 S MONROE AVE, Mason City, IA 50401

NCUA Insured3.6 (17 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1932

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

Membership Eligibility

Anyone who lives, works, or worships in or around Mason City, IA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1932

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

1602 S MONROE AVE

Mason City, IA 50401

Google Maps 🗺Waze

(641) 424-5391

Service Area

This credit union is located in Mason City and serves members in the IA area. Currently serving 3,396 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

5.99%

Used Auto Loan

6.77%

Personal Loan

11.13%

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 IA

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

Telco Triad Community— New Auto Loan

Sioux City, IA

1.99%

Waterloo Firemen'S— Used Auto Loan

Waterloo, IA

2.75%

Financial Plus— Personal Loan

West Des Moines, IA

7.91%

Affinity— Credit Card APR

Des Moines, IA

8.19%

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

Branches & Locations(1 total)

Member Reviews

3.6

17 Google reviews

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

View on Google Maps

Aaren Kiefer

3 months ago

Borrowed money through them since like ‘21 as an 18 year old with no credit and never had any issues getting a loan for up to 5k for a new to me car or other things I wanted and something apparently changed in January and now they won’t give me any loans. They stopped returning missed called and beat around the bush about me getting another loan until my current loan was paid off and then declined my loan application and gave me a cold shoulder. You guys are out of Mason City Iowa, I’d assumed over half the population if not more are like me and doesn’t have perfect credit. That’s why I’m going through a credit union to build credit. They lost two customers very fast this week.

Ummm Hello?

6 months ago

If I could give a zero i would. Thank you so much for making my dad's death so much worse. Even though I have the correct paperwork I can't even close out the account bc the attorney office was communicating with you? Seriously? This is bullshit

Kendal Ausborn

11 months ago

Jill was friendly, quick, and efficient when giving me quotes for an auto loan. She answered every question I had along the way in a timely manner. Their interest rate was about 3% better than every other bank I checked with. Loan paperwork was ready when I got there and took 15 minutes to complete. 10/10 would recommend!