Omaha, NE Credit Union - Heartland Area Federal Credit Union

IMPORTANT ATM CARD NOTICE

Effective April 1, 2013, ATM machines located at WALGREEN'S will no longer be FREE to our members. Please use our other Cash Corner locations.

Many NetWorks locations offer surcharge-free ATM withdrawals. These can be found at their website. Go to the ATM locator tab and look for the surcharge-free locations near you.

The Cash Corner network is in the process of adding more terminals.

Board Lowers Vehicle Loan Rates

As low as 2.50% APR* on 2009 and newer vehicles
and as low as 3.50% APR* on older vehicles

Now's a great time to buy a new or used vehicle and finance it at Heartland Area FCU! The Board of Directors recently approved a significant reduction in rates so you can save money when you finance with us.

There are no prepayment penalties, no application fees, and we always provide NO COST Loan Protection insurance up to $20,000 per loan for eligible members.

We have also lowered our personal loans with a rate as low as 8.00% APR*

*APR=Annual Percentage Rate
Interest rates are based on term, amount financed, and credit history. Apply in person, by phone or by completing a loan application online at www.heartlandfcu.org. Subject to credit approval. If you currently have a loan balance, you must refinance with $1,000 in new money to receive the lower rate for personal loans and refinance $2,000 in new money for your vehicle loan to receive the lower rate.

Refinance Your Current Vehicle Loan With Us And Save Money

We want to help you. For a limited time only, if you refinance your 2006 or newer vehicle from another financial institution with us we will meet or beat your existing rate by 0.50% APR or more*

PLUS
We will give you a $50.00 gas card at the time of loan closing. You can receive up to 100% financing! Qualified members will receive Loan Protection Insurance up to $20,000 at NO COST. Coverage on the borrower and co-borrower, if applicable.
A great benefit that costs you nothing.

*With approved credit. Rate can vary based on creditworthiness, age of vehicle and terms of the loan. Financing up to retail value of the vehicle is available. Minimum APR will be no lower than 1.90% APR. Minimum of $5,000 new money. This offer is valid only for refinancing vehicle loans currently held at another financial institution. Rates, terms and conditions are subject to change without notice. APR - Annual Percentage Rate.

Better Your Money

Special Pricing for Credit Union Members

Credit Unions have teamed up with GM to offer members great discounts on new American-made vehicles. While the discounts vary depending on which vehicle you choose, everyone will drive away with a great deal. The deal gets even better when you finance your vehicle with us. Thanks to our lower interest rates, your savings will really add up. Click on the link above to take advantage of these great offers!

We Have Money to Lend and Want to Help!
Unlike many of the banks you've heard about in the news, Heartland Area Federal Credit Union is safe and sound. We're owned by our members and measure our success by our financial well-being.

If you are looking for a different vehicle, put more money back into your pocket with a low rate credit union loan. We have lowered our vehicle loan rates by 1.00% or more. (Check out our rates in the loan rate section.) We may also be able to refinance your current vehicle loan. Let us pay off your vehicle loan elsewhere and you will get our low rate plus we will give you a $50.00 gas card for switching. You may also qualify for No Cost Loan Protection Insurance up to $20,000 that covers both the borrower and co-borrower.

Electronic Statements
Online statements are a great way to eliminate paper clutter and have electronic access to your HAFCU statements. An eStatement is an electronic copy of your statement that includes the same information as your regular mailed statements. You will have immediate access to your statement information rather than having to wait for it in the mail.

eStatement Q & As

Important Message To Members

Credit Union Deposits Are Federally Insured To At Least $250,000

Every credit union in Nebraska has federal deposit insurance just like the FDIC insurance; deposits are insured to at least $250,000.
The federal insurance safety-net at credit unions is provided by the National Credit Union Administration (NCUA) - a U.S. government agency - and backed by the full faith and credit of the United States.
No member has ever lost a penny of federally insured deposits in a credit union.

Did You Know?
You are receiving FREE Life & Loan Insurance from
Your Credit Union.
Whether saving or borrowing at the credit union, all qualifying members receive Life Savings and Loan Protection Insurance at no charge.

Free life insurance is automatically provided on regular share accounts (with certain exceptions). Each dollar in a qualified member's account is matched all or in part with term life coverage up to $3,000 - depending on the age of the member.

Most loans are automatically insured in an amount equal to the outstanding loan balance up to a maximum of $20,000 per loan. (This also covers the second named borrower on the loan note who are jointly and equally responsible for payment of the loan).
Contact the credit union if you have any questions.

Thank you for visiting Heartland Area Federal Credit Union's Web Site. You will find a vast assortment of information about our Credit Union.

We are a Community Charter Credit Union. Our membership base is now anyone who lives, works, worships, or attends school in Douglas or Washington County, NE. If you are within our field of membership, you will be able to apply for membership by clicking on the Membership link on the menu bar. Then fill out the application and submit to us.

If you are currently a member, you can apply for a loan on line by clicking on Loan App. on the menu bar. Loan applications are reviewed daily.

For information on check styles available from Harland Clarke, visit their web site. Reorder checks online through Harland Clarke.

Please call the Credit Union office at 402-571-8444, if you have any questions or suggestions.

Your savings Federally insured to at least $250,000
and backed by the full faith and credit of the United States Government.
National Credit Union Administration,
a U.S. Government Agency.

We do business in accordance with the
Federal Fair Housing Law and the
Equal Credit Opportunity Act.