Savings & Checking

Heartland FCU understands that everyone has different financial goals. That's why we offer a variety of products to maximize your savings and provide easy access to your accounts.


Become a member by opening a regular savings account. Then, let us help you reach your goals with a variety of accounts and services. Learn more.

Interest-Bearing Checking

The hardest working financial tools are FREE at Heartland. Learn more.

ATM & Check Cards

Convenient access to your money at your fingertips. Learn more.

Direct Deposit & Payroll Allocation

The simplest way to put your money where you want it. Learn more.

Switch Kit

Switch all your accounts to Heartland with these easy steps. Learn more.


Saving now for later with traditional and Roth IRAs. Learn more.

Education Savings

Savings add up fast with this special account. Learn more.

Health Savings

The perfect prescription for medical expenses. Learn more.

Term Share Certificates

Boost your dividends with variable terms. Learn more.

Your Funds Are Insured

Heartland protects your funds above and beyond. Learn more.

Change in Hours 

Effective November 7, 2015 Heartland FCU branches will no longer be open on Saturdays. Click here to read a letter from our President & CEO.

ATM Closings 

The following ATMs are no longer in service: Englewood (National Rd), Dayton (40 W. Fourth St), and Kettering (Bee-Gees Market). For your nearest ATM or Shared Branching location visit our Locator.