How We're Different

Heartland is different from other financial service providers in many ways.

We Are a Credit Union. Watch Video

We are a not-for-profit financial cooperative owned by our members. Our mission is to provide quality savings, borrowing, and financial services with rates and fees more favorable than from other financial sources. Enjoying the benefits available at Heartland requires your membership. Membership is available and open to all residents, church attendees, employees, and students of Clark, Greene, Miami, and Montgomery counties within the state of Ohio.

We Only Answer to You.

We operate under the guidance of a volunteer Board of Directors who are selected from, and by, the membership. Election of board members is held annually with each Heartland FCU member present permitted to cast one vote for their candidates of choice.

We Care.

We care about you and your family and want you to experience financial success today and tomorrow. One of the ways we do this is through offering products and services that match your needs. Our LifeStages packages are designed to fit the stage of life you’re in with a mix of checking, savings, loan products, and other special services - plus benefits like a FREE Sam's Club or AAA Membership and more!

Come in and experience the difference at Heartland Federal Credit Union.

Heartland FCU and Affinia FCU Merger Announcements

Heartland Online will be available on Sunday, March 1 by 2 pm. Bill pay will be available Monday, March 2 by 4 pm. 

To find a Shared Branch or ATM please visit our interactive map.

Click here for our FAQ page