About Heartland FCU

Heartland Federal Credit Union was formed April 20, 1935, and is open to everyone who lives, works, worships, or attends school, in Clark, Greene, Miami, or Montgomery Counties.


Support the Pursuit of the American Dream by Serving…

Members (as consumers) … with Education, Advice, Innovation and Affordable Financial Services

Employees … with a Great Place to Work, Support Families and Develop Careers

Members (as Owners) … with a Commitment to Long-Term Focus and Financial Stability



Positive Energy, Passion & Engagement ~ The optimism, enthusiasm, love, purpose, joy, passion, and spirit to live, work, and perform at a higher level.

magnifying glass

Patient, Persistent Focus on Long-Term Vision ~ Evaluate distractions on a 10 year rule: Will it matter in 10 years? Will it impact our Vision? If yes … deal with it efficiently. If no … “Breath In, Breathe Out, Move On”.

Trust / Smart Trust ~ Character; Integrity & Intent; Competence; Capabilities & Results.

Innovative, Continuous Learning and Improvement ~ We welcome and / or provide ideas for improvement. Our relevance as an organization is dependent on our ability to continuously learn, adapt, and improve in an ever changing environment.


Proactivity ~ Anticipatory, change-oriented and self-initiated behavior in situations; taking initiative, taking ownership.

Respect & Loyalty ~ Golden Rule: “Do Unto Others as You Would Have Done Unto You.”

Mutual Benefit ~ Seek out solutions that build trust and benefit all; matching the right product at the right price to the right member for the right reason.

people showing diversity

Diversity ~ We recognize and celebrate the variety of differences among people in our organization. Diversity encompasses race, gender, age, personality, cognitive style, tenure, organization function, education, background, and more. Diversity involves both how we perceive ourselves as well as how we perceive others.

Results Guaranteed

Results over Activities ~ Achieve desired results by: clarifying and reaching consensus on realistic expectations; keeping commitments; and being accountable / taking ownership for desired results.


Fun ~ The goal in life is to live young, have fun and arrive at your final destination as late as possible with a smile on your face.

Operating Philosophy

It’s My Job
Work Hard,
Work Smart,
Have Fun
in order to
Serve Our Members,
Serve Each Other
and Enjoy Ourselves

Per CDC Guidelines, those who are vaccinated are not required to wear a mask.Review more COVID-19 related information
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