Apply for a Loan

Face-to-face, over the phone, or online. Whichever way you choose to apply for your loan, Heartland assures you prompt and personal service. We know many people find it difficult to apply for a loan during normal business hours, so we provide options to apply for a loan 24 hours a day — when you have the time.

Apply for Consumer Loans and Credit Cards

  • Apply for a Loan Securely Online
  • Apply by Phone 24/7 at 800.897.4748
  • Apply by Phone during business hours with a loan representative at 937.294.1991 or 800.543.9696

Apply for a Student Loan

Apply for a Mortgage

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