FAQs

Questions and answers to our members' most common inquiries.

If you need additional assistance, please Contact Us and we'd be happy to help.

General

What is Heartland FCU's routing number?
Do you take cash?
Do you run credit checks for loans?
How do I become a member?
What information do I give my employer for Direct Deposit?
I cancelled my gym membership but it continues to come out of my account. What can I do?
Is there a comparison site for credit cards?

Credit Scores

Why do financial institutions use FICO scores?
Are there other names for FICO scores?
What does my credit score need to be to get a loan?
Is there a difference between a "credit score" and a "FICO score"?
How can I get my credit report?

Mortgages

Is there a limit to a VA loan?
Can I get FHA financing for a rental/investment property?
Can I get FHA financing for a condo?
Why should I consider FHA financing for my home mortgage?
What is the FHA loan limit?
Can I refinance into an FHA mortgage?
What is a VA loan?

LifeStages

I want to join LifeStages, but I already have a AAA or Sam's Club membership.
How long will it take to get my AAA or Sam's Club Membership?
It's been longer than 4-6 weeks and I still don't have my membership.
Can I have a secondary person on my membership?
Can I upgrade my Sam's Club or AAA membership?
I'd like to get into a LifeStage, but I'm not sure which package makes the most sense for me.
I've been in the LifeStages program for about a year and I received a bill for my AAA or Sam's Club membership, what do I do with it?
Can I change my Lifestage package?
Can I switch from a AAA membership to a Sam's Club or vice versa?