Meeting the financial needs of Iowa's heartland...

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About Us

Service With A Smile

Iowa Heartland is a not-for-profit financial co-operative that offers many of the same services as banks or other savings and loan institutions. The unique difference is that we are member owned and controlled. Meeting the financial needs of North Iowa's Heartland is our goal at Iowa Heartland Credit Union. Our friendly staff is always ready to answer or direct your questions to the person that can help you the in the most convenient manner.


Serving Our Members Since 1932

Iowa Heartland Credit Union was formed in 1932 as the Decker & Sons Credit Union, with the Decker Meat Packing Plant as its sole sponsor. Although Decker & Sons sold to Armour in 1936, the credit union remained Deckers until the mid 70's. It was Armour Employees for a short time. In 1974-75 the Armour Plant closed in Mason City. At that time the Credit Union had to look for another sponsor company, merge with another Credit Union, or close its doors. The NIAD Manufacturers group, a political group for area manufacturers had just formed its organization and an agreement was made to become the sponsor for the credit union. We became the Armour-NIAD Manufacturers Employees Credit Union. Through the NIAD Manufacturers Group, the Credit Union was able to bring in over 150 small employee group companies and offer membership to their employees. In an effort to attract more credit union membership, the board and the members at a special meeting in September 2002 voted to apply for a Community Charter and a Name Change. October 1, 2002 the Iowa Credit Union Division approved the name change to Iowa Heartland Credit Union and the charter to a Community or geographical charter.


Frequently Asked Questions

Who can become a member?

You can become a member if you reside or work in the following counties of North Iowa: BUTLER, CERRO GORDO, FLOYD, FRANKLIN, HANCOCK, MITCHELL, WINNEBAGO, WORTH, or WRIGHT. Once you become a member, your immediate family members can also join through your membership. Each member that joins receives the same rights of membership as all other members.


How can I join?

We do require a government issued photo ID (ex. drivers license). This is in order to comply with U.S. Patriot Act of 2001. Just bring them in and fill out a membership card. Submit $25 or sign up for payroll deduction. This will open a share (savings account) for you and the $25 balance must remain

in the account in order to receive all credit union services and benefits. It also buys you one share of ownership in the Credit Union.


What is the difference between a credit union and a bank?

The main difference is that credit unions are not for profit financial institutions that are owned by their members. Banks are for profit financial institutions owned by their shareholders. That means that credit unions aren’t trying to make a profit from their members, rather they exist solely to serve their members. This is why credit unions generally have lower interest rates on loans and a higher rate of return on deposits.


Do I need to be a member to apply for a loan/checking account?

No. You can apply for a loan or checking account before you become a member. Once your application is approved one of our loan officers or member service representatives can open your share account at that time.


How can I make my loan payments?

We offer many different options for making payments. If you prefer automated payments, we offer payroll deduction or automatic payments from your Iowa Heartland account or from an account at another institution. You may also make you payments over the phone, online via virtual branch, or in

person at the credit union. If you can’t make it during our banking hours, we have a night drop box located just past our drive up window.



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