A Personal Commitment

Heartland Federal Credit Union is proud of its long history of member service and commitment.

Mission Statement

Serving Members More … Serving More Members
As a member owned financial cooperative, we serve our members both as a consumer and as an owner of our business.

Serving Members More … is our mission with a focus on the member as a consumer. We have a responsibility to

• Proactively Identify Member Needs, i.e. how can Heartland Benefit our Members
• Match Member Needs with Heartland’s Products and Services
• Ensure that our Member and Heartland Mutually Benefit from the Relationship
• Evaluate Innovations in the Financial Services Industry
• Our Member’s Desires for those Innovations
• Our Ability to Efficiently Deliver those Innovations to our Members
• Continuously Improve the Processes Used to Efficiently Deliver Products & Services to our Members

Serving More Members … is our mission with a focus on the member as an owner of the business. We have a responsibility to

• Ensure the long-term safety and soundness of the credit union thorough controlled growth, both organically and through merger
• Achieve long-term financial results that equal or exceed our peers
• Proactively seek new member referrals from referrals of satisfied members and by developing relationships with area businesses

What is a Credit Union?

A Credit Union is a not-for-profit financial cooperative owned by its members. Its purpose is to provide quality savings, borrowing, and financial services with rates and fees more favorable than from other financial sources. Membership to Heartland Federal Credit Union is open to anyone who lives, works, worships, or attends school in the Ohio counties of Clark, Greene, Miami, and Montgomery. Heartland FCU operates 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.

How is Heartland Federal Credit Union Regulated and Monitored?

Heartland Federal Credit Union is a federally-chartered, federally-insured Credit Union monitored and routinely reviewed by The National Credit Union Administration. The Board of Directors is responsible for setting and monitoring policies. The Supervisory Committee is responsible for overseeing the Credit Union's financial position and an annual audit of the Credit Union.