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We will meet or beat your existing rate by 0.50% APR or more* if you refinance your 2011or newer vehicle ,from another institution, WITH US! PLUS We’ll give you a $50 gas card! We’ll match down to 3.20% on 2011 or newer vehicles. 100% financing is available! *With Approved Credit. Rate can vary based on credit worthiness, age of vehicle, and terms of the loan. Financing up to retail value is available. Minimum APR will be no lower that 2.20%. Minimum $5,000 new money. Rates terms and conditions subject to change without notice.

© 2018 Heartland Area Federal Credit Union. All rights reserved.

Quick Links Membership Application Loan Application Carfax Fuel Economy Guide Enterprise Car Sales Harland Clarke Check Reorder CUNA Mutual Financial Center NADA

6111 N. 72nd Street Omaha, NE 68134-2157 Toll Free 866.314.2328 Phone 402.571.8444 Fax 402.571.0462

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

Thank you for visiting Heartland Area Federal Credit Union. 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 Membership Application. Just complete and submit to us. If you are currently a member, you can apply online for a loan. We’ll review and get right back to you.

HOURS Lobby: Mon - Fri 8:00 - 5:30 Drive Thru: Mon - Thur: 7:30 am - 5:30 Friday: 7:30 - 6:00

About /Sign Up

NOTICE: Inactive and Dormant Accounts An inactive account shall be defined as an account on which there has been no activitiy, other than posting of dividends, for a period of two years or more, has a balance of less than $500.00 and no other savings or loan accounts. If a savings account has a balance of less than $50.00 or a checking account has less than $120.00, no activity for a six-month period and no other savings or loan accounts they will be considered inactive. Beginning in 2016, all inactive accounts with less than $500.00, however more than $50.00 that have not had activity for 2 years or more shall be subject to a $5.00 per quarter inactive fee. All savings accounts that have less than $50.00 and checking accounts that have less than $120.00 are currently subject to a $5.00 monthly inactive fee. Dormant/abandoned property shall be defined as property, which has been unclaimed for a period of 5 years or more as of June 30 of each year. It includes accounts on which there has been no activity, other than the posting of dividends, for a period of 5 years or more as of June 30 of each year. An account will not be considered dormant/abandoned, even though it otherwise meets this definition, or the owner of the account has made transactions on another account under the same primary account number within the 5-year period, or has indicated to the credit union, in writing, that he/she has not abandoned his/her account. Dormant/abandoned property is required to be sent to the state each year.

Partner Links

Discover Affordable Worry- free Driving with Credit Union Auto Club. Speak to Linda, our loan officer, or visit LoveMyCreditUnion.org

EZ Loan

(No questions asked)

Cash loans with approval in one hour! Borrow $200 - $1,000 with repayment up to six months at 28%. Low processing fee of $20.

Terms and Requirements

Credit Card Lost or Stolen? Call 1-800-808-7230

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. Electronic Statement Q & A

REFINANCE Your Current

Vehicle Loan!

TRUTH-IN-SAVINGS / ACCOUNT DISCLOSURES |

PATRIOT ACT |

Holiday Closings

Martin Luther King Jr - Jan 21, 2019 President’s Day – Feb 18, 2019

Refer someone to become a new member and be entered to win! Now through March 2019.

Details

Help Your Credit Union Grow!!

You could WIN $50 or $150.00 !

Allpoint - Free ATM transactions

Just $15.00

© 2018 Heartland Area Federal Credit Union. All Rights Reserved.

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. You will have immediate access to your statement information rather than having to wait for it in the mail.

About /Sign Up

NOTICE: Inactive and Dormant Accounts An inactive account shall be defined as an account on which there has been no activitiy, other than posting of dividends, for a period of two years or more, has a balance of less than $500.00 and no other savings or loan accounts. If a savings account has a balance of less than $50.00 or a checking account has less than $120.00, no activity for a six-month period and no other savings or loan accounts they will be considered inactive. Beginning in 2016, all inactive accounts with less than $500.00, however more than $50.00 that have not had activity for 2 years or more shall be subject to a $5.00 per quarter inactive fee. All savings accounts that have less than $50.00 and checking accounts that have less than $120.00 are currently subject to a $5.00 monthly inactive fee. Dormant/abandoned property shall be defined as property, which has been unclaimed for a period of 5 years or more as of June 30 of each year. It includes accounts on which there has been no activity, other than the posting of dividends, for a period of 5 years or more as of June 30 of each year. An account will not be considered dormant/abandoned, even though it otherwise meets this definition, of the owner of the acount has made tranactions on another account under the same primary account number within the 5-year period, or has indicated to the credit union, in writing, that he/she has not abandoned his/her account. Dormant/abandoned property is required to be sent to the state each year.

We will meet or beat your existing rate by 0.50% APR or more* if you refinance your 2008 or newer vehicle ,from another institution, WITH US! PLUS We’ll give you a $50 gas card! We’ll match down to 3.20% on 2011 or newer vehicles. 100% financing is available! *With Approved Credit. Rate can vary based on credit worthiness, age of vehicle, and terms of the loan. Financing up to retail value is available. Minimum APR will be no lower that 1.90%. Minimum $5,000 new money. Rates terms and conditions subject to change without notice.

Refinance

Your Current

Vehicle Loan!

Quick Links Membership Application Loan Application Allpoint ATM Locations Carfax Fuel Economy Guide Enterprise Car Sales Harland Clarke Check Reorder CUNA Mutual Financial Center NADA

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