Welcome United Credit Union

We are ready to serve our members in our Ness City branch.
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Earn 4.30% APY!

Choose from a 17 or 29-month term with our Pick-Your-Term Certificate.
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Watch Your Savings Grow

Earn 3.00% APY with our 15-month Certificate.
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Free to Get Paid Early

With Early Payday, you can get your direct deposit up to 2 days early!
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It’s the Heartland Way

Discover the credit union difference.
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Click here to learn more!

United merges with Heartland

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First-time Homebuyer's Grants

Click here to apply today!

Join the Heartland team

Great Rates for You
See all rates
Auto Loans
as low as
5.49
%
APR
Apply Now
Personal Loans
as low as
10.00
%
APR
Apply Now
Money Market
Earn up to
2.07
%
APY
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Certificate
Earn
4.30
%
APY
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What our members have to say.

Craig B.
Craig B.
Member since 2006
“Heartland is my credit union! I have been a part of HCU now for 15 years or so and they have helped me make some great dreams come true. I’ve bought and sold houses with loans through HCU. I’ve bought car after car through HCU. And now my kids have HCU accounts and they’ll be lifelong members, too.”
Alma R.
Alma R.
Member since 2012
"My branch manager has worked with my fiancé and I in our journey to find the perfect vehicle within our budget. She is very patient to say the least. Not only are the rates competitive, but the way HCU truly cares is what makes a difference."
Mitch & Renee H.
Mitch & Renee H.
Members since 2008
"We've referred friends and family to Heartland Credit Union because we appreciate the personal connection we feel and the ease of doing business whether it's for our personal or business accounts."
Em G.
Em G.
Member since 1994
“I love Heartland Credit Union and their dedication to our community! I am proud to be a lifelong member with personal accounts, and now business accounts, through HCU.”

Financial Well-being

Knowledge Center

We want to set you up for financial success. Take advantage of our online financial education courses or have one of our certified staff members help you with one-on-one financial advice. We believe everyone can experience financial well-being.
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Fraud Prevention

Keeping your financial information secure is our top priority.  We have some steps you can take to help, including monitoring your credit, managing your debit and credit cards, and more. We’re here to help you avoid scams and were here to assist if you find yourself part of one.
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Credit Score Manager

Your credit score can have a big impact on your life.  Everything from what you pay for your next car to insurance, to getting qualified for a home loan can be affected by it. We’ve got the tools and the knowledge to help you take control of your credit score and make it work for you.
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Organize Your Finances

Being able to see all your financial accounts, no matter what financial institution you have them at can make managing your finances simpler and easier.  HCU Digital Banking allows you to link almost any financial account so you can quickly and easily see your whole financial picture.
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Community Commitment
Heartland is linked with the communities we serve, and we take pride in supporting organizations and events that have a positive and lasting impact on those who live and work here. We make a difference by living the credit union philosophy of “people helping people” through financial support, fundraising, and volunteer efforts.
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