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For F.A.S.T. Track Students

Your new career deserves a financial partner to match

As you build skills for the workforce, Heartland Credit Union is here to help you put what you earn to work — with an account built for where you're starting.

Get started
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Banking that moves as fast as you do

Get paid. Save smart. Earn rewards. We've built accounts around the way you actually live — with tools that work on your phone, cash back on everyday purchases, and a grade bonus that rewards your hard work.

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Get paid. Save smart. Earn rewards.

Set up direct deposit, earn cash back on everyday purchases* with Gateway Spending. And watch your savings grow while earning a bonus for good grades^ with Gateway Savings.

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Start building your financial future

Membership at Heartland opens the door to savings tools, credit-building resources, and guidance as your career grows. Your next chapter starts here.

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Member-owned. Community-rooted.

We're not a bank. As a credit union, our members are owners, and every decision we make is with your well-being in mind. That's been true since 1936.

Accounts built for you

Get paid, save smart, and earn rewards along the way.

We have accounts for every stage. Under 19? Start with Gateway. 18 or older? Beyond Freedom is ready for you. Either way, you've got the tools to manage what you earn today and build toward what's next.

Gateway Spending + Savings

For members under 19. A free checking account with no minimum balance, cash back on debit purchases, and a savings account that rewards good grades.

Beyond Freedom

For members 18 and older. A low-cost spending account with essential digital banking tools — and no monthly fee for members ages 19–23.

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With every account

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Access your direct deposit up to 2 days early

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30,000+ free ATMs through the HCU and Co-op Network

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Full mobile banking — check balances, transfer funds, deposit checks from your phone

Get started

Three simple steps to put your money to work.

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Open an account at any HCU branch or submit the form on this page

It only takes a few minutes. Bring a photo ID, or your social security card or birth certificate.

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Set up direct deposit

Drop off the direct deposit form with the F.A.S.T. Track coordinator, and let your money land where it belongs.

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Download the HCU mobile app

Check balances, transfer funds, and deposit checks — all from your phone, whenever you need it.

Ready to open your account?

Join Heartland Credit Union and start building the financial foundation your career deserves. We're member-owned, community-rooted, and here for every step of the way. Submit the form and an HCU staff member will reach out.

Federally Insured by NCUA | *Earn $.05 cash back for every debit card transaction over $10. Must use your debit card 15 times per month and have eStatements to earn cash back. Maximum cash back amount is $5 per month. Cash back will be deposited at the end of each month. ^Maximum grade bonus of $25/semester; $50/year. Annual Percentage Yield of .05% on balances over $25. Rates are subject to change without notice.