Heartland

5325 High Crossing Blvd, Madison, WI 53718

NCUA Insured3.1 (78 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1936

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 Madison, WI 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 1936

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

5325 High Crossing Blvd

Madison, WI 53718

Google Maps 🗺Waze

(800) 362-3944

Service Area

This credit union is located in Madison and serves members in the WI area. Currently serving 33,515 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

6.49%

Personal Loan

12.49%

Credit Card APR

13.00%

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 WI

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

Thrivent— New Auto Loan

Appleton, WI

2.49%

Thrivent— Used Auto Loan

Appleton, WI

2.99%

Unison— Personal Loan

Kaukauna, WI

6.99%

M.E. Employees— Credit Card APR

Wausau, WI

8.90%

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

Branches & Locations(13 total)

Member Reviews

3.1

78 Google reviews

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

View on Google Maps

June

5 months ago

I have been a member unfortunately for the last 3 years due to an auto loan. After the auto loan was set up ,I opened up a checking and savings account. After paying on this auto loan and NEVER missing a payment for the last 3 years, I was placed on SSDI. When my car payment became more than I could afford on my SSDI monthly, I reached out to try for a lower payment. They wanted to lower it by only $20!! What in the heck is $20 going to do for me?? So I called them again trying to get the payments put on the back end because I had a Medical test that I needed done and it was going to take the $576 that was going for my car payment to go to pay for the test. ONCE AGAIN, they refused to work with me!! I had only $20 left in my checking account and tried to go to the store for toilet paper and groceries and my debit card was declined! They withheld my social security money!! Come to find out they restricted my debit card due to me owing on my car loan!! They did tell me could come into any branch and pick the money up, but that was not possible when I live 2 1/2 hours away. That's just one way. THIS CREDIT UNION IS A LIAR, AND THIEF!! I am an elderly lady who is dependent on the money I get monthly! The lady in collections Bershida is a liar and did NOT do anything she said she was going to do! STEER CLEAR OF THIS CREDIT UNION!!

Stephanie Lee

8 months ago

I have been with Heartland for 7 years after moving all of my accounts from a large bank. I understood the credit union difference immediately after opening my accounts. Great customer service and online banking app is top tier!

Jacob Rosenmeier

9 months ago

My wife and I bank with Heartland and they helped us through the process of buying our first home. We worked with Jeff Rauch and April Oshiro specifically and they were awesome to work with. I would recommend Heartland for any financial service needs.

Julie Rozwadowski

3 months ago

Anita was so accommodating with me changing my mind several times about a new account. She mentioned the round up debit card which is exactly what I needed.

Miss Louche

8 months ago

We've been members for decades, and have had nothing but great experiences with HCU. I had a few hiccups opening a new business account, and ANITA was so helpful!