At Iowa Heartland Credit Union, we make it easy and convenient for our members to manage their loan payments in the way that works best for them!

• Automatic Payments through Payroll Deduction, pulling from your Iowa Heartland Credit Union Savings or Checking Account, or debiting your Account from a different Financial Institution
• You can also set up recurring payments to your Loan from your Iowa Heartland Savings or Checking Account by clicking on the Transfer Tab in your Online Banking Portal.
• Visit our Portal Pay to make a Loan Payment using a different Financial Institution. You can use your Account and Routing Number, a Debit Card or Credit Card.*

Prefer something more traditional? No problem — you can also mail in your payment, call us for a phone transaction, or stop by our Branch for in-person service.

We also have a Night Drop box just past our Drive Thru in case you cannot make it during our Business Hours.  Night Drop deposits and Loan Payments are

processed first thing on the next Business Day. 

We’re here to make the process simple and stress-free!  

  *An extra fee will be applied using another Financial Institution, Debit, or Credit Card. 

No. You can apply for either a loan or a Checking Account prior to being a member of Iowa Heartland Credit Union. 

Once your application is Approved by a Loan Officer or Member Advisor, they can open your Share Account at that time as well. 

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.

If you live or work in our Charter Area (Butler, Cerro Gordo, Floyd, Franklin, Hancock, Mitchell, Winnebago, Worth, or Wright Counties) bring in a Government-Issue photo ID (Ex. Driver’s License). This is to comply with the United States Patriot Act of 2001. 

Twenty-five ($25.00) dollars is also required to open your Share ( Savings) Account at Iowa Heartland Credit Union, and the $25.00 balance must remain to receive all services and benefits Iowa Heartland Credit Union offers.  It also buys you one share of ownership in Iowa Heartland. 

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.