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


Our LifePerks Loyalty Program is just one way we are rewarding members for active use of our credit union products and services. Click to learn more.

Heartland Online

Are you having trouble logging into Heartland Online? Click here for a PDF about a recent security update with instructions to solve this issue