Online Banking Virtual Branch:
Meeting the financial needs of Iowa's heartland...
Services
Personal Lending
Consumer Loans
Open-End Signature
New and Used Vehicles
Recreational Vehicles
Share-Backed Loans
Certificate-Backed Loans
Credit Life Insurance*
Credit Disability Insurance*
Secured - Titled collateral is used to secure. Rate and term of loan depends on age and value of collateral used. Unsecured - Signature on Promissary Note. Call for terms.
Revolving type of loan with preapproved line of credit limits set to individual credit worthiness.
We can finance new vehicles up to 72 months. We also finance dealer program vehicles as new ( 25,000 miles or less) vehicles. Call us for special rates and offers.
We finance boats, motorcycles, campers, motor homes, ski jets, snowmobiles, ATV's, and any other titled RV's. Call us for more details.
Often overlooked as a loan possibility. You simply use your share balance as collateral. A hold is put on the share amount until the loan is paid. The rates are very reasonable and you continue to receive dividends on the whole share balance.
Similar to share backed loans, your certificate of deposit is used for collateral. Call us for details.
For a reasonable, low cost eligible borrowers and co-borrowers can obtain this insurance for protection in case of death.
This insurance protects your loan should you become ill or disabled.
*Please contact Iowa Heartland Credit Union to find out more information about these insurance products.
Real Estate Lending
Residential Mortgage Lending
Home Equity Loans
We offer both in-house and secondary market mortgages. In house require 80% loan to value. Terms, rates and requirements vary. Call us for details. Secondary market lending is available – call us for details.
Using the equity in your home you can borrow for many purposes. You can borrow up to 75% of assessed (tax) value and 80% of certified appraised value ( minus the total of any existing mortgages on the property). Our rates are competitive and we have repayment terms up to 15 years. There are some minimal closing costs. Call us for details.
Deposit Services
Share Savings Accounts
Share Draft Checking
Checking Plus
Certificates of Deposit
Christmas Club Accounts
Individual Retirement Accounts (IRA)
Money Market
Savings Deposit Insurance
Accidental Death and Dismemberment Insurance
Your basic savings account, this account gives you membership, because you are actually purchasing a share in the Credit Union, which gives you ownership and membership privileges.
Your basic "free" checking account with unlimited check writing and no maintenance fees. This is a non interest-bearing account. Check out the fee schedule and the interest rate on the rate pages.
An interest-bearing checking account with unlimited check writing. Minimum balance of $1500 must be kept in order to avoid a $5 per month maintenance charge. Other costs may apply. Check out the fee schedule and the interest rate on the rate pages.
We offer CD's in a wide range from 91 day to up to 30 month. Minimum of $500 is required to open a certificate. Occasionally we run specials with other minimum and maximum requirements.
A very popular savings plan for that special time of year. This is a low maintenance type of account. There are no minimum deposits, however there is a $5 penalty for early withdrawal. Dividends are paid monthly and added to the account. Funds are transferred to your basic share account the first week of November, and can be withdrawn at your convenience anytime after.
We offer several types of IRA's for your special investment needs. Government regulations change yearly for these types of accounts. Please call for complete and current details including current rate.
A convenient account to place funds without any time restrictions. Rates are subject to change at every dividend period (30 days). Money Market has a minimum balance of $500 required.
All member accounts are Federally insured up to $250,000.00 by NCUA (National Credit Union Administration), an agency of the U.S. Government. This coverage is FREE to all members.
Each member also receives a free $1,000 A D & D insurance policy. Our insurance carrier CUNA will contact all members about this insurance coverage.
Electronic Services
Automatic Teller Machine (ATM) Cards *
Debit Cards *
Privileged Status ATM
Direct Deposit and Payroll Deduction
Bill Payer Service
Having access to your money when you need it is very important to many people. Now you can have access 24/7 with a Shazam ATM Card. Iowa Heartland Credit Union has one (1) ATM available for our members located on our main office (North Side of Building). There are no ATM fees for our card holders using our machines. We allow 5 free transactions per month at other ATM's. For every transaction over 5 per month there is a $1 ATM Charge.
Our card is called a "SHAZAM Chek Card." With a debit card you pay for your transaction now just like a check. When you use it a debit (or deduction) is made to your checking account. Our debit cards display the MasterCard Logo and are accepted by many of the merchants that display the MasterCard logo. Please ask before you use your card as some merchants may not accept a debit card. You will also be issued a pin number and can use your debit card as an ATM card.
Surcharging is now allowed in all 50 United States. Owners of ATM machines are allowed to charge non customers a surcharge for using their ATM Machines. This is in addition to any ATM fee that may be charged for a transaction. In order for our members to avoid the additional charge Iowa Heartland has joined a network (through Shazam) called PRIVILEGED STATUS. Customers (members) of participating Privileged Status financial instructions can use the ATM's of other participating Privileged Status financial institutions without paying any surcharge fees. To find an ATM with Privileged Status nearest you simply click the PRIVILEGED STATUS icon to the right and look for a location that offers PRIVILEGED STATUS.
With direct deposit you can have Social Security, Pension, Retirement, or any other recurring deposit made directly to your savings or checking account. If available through your employer, payroll deduction can also be sent electronically to your checking or savings accounts.
This electronic service allows you to make periodic payments or deposits to other financial institutions or businesses.
Other Convenient Services
In addition to loan, savings, and electronic services Iowa Heartland Credit Union provides the following convenient services that are available to all members:
Loan counseling/preapprovals Mail Transactions
Free Notary Service Telephone Transfers
Travelex Mastercard Reloadable Cards Overdraft Transfers
Blue Book/NADA Book Vehicle Information Payroll check cashing
KC's Kids Club
KC, our "Heartland Heart," invites all kids 12 and under to join KC's Kids Club. All you need to do is come in and open a savings account for $5.00 or more and you will receive dividends on your savings balance, plus you will earn KC's Pulse Points. When you earn enough Pulse Points you can come in and pick prizes from KC's Treasure Chest!
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