Welcome to Heartland Area Federal Credit Union!

We are proud to serve the communities of Douglas, Sarpy and Washington Counties, Nebraska, with our range of financial services. Whether you’re looking for a new or used vehicle loan, a low-cost first mortgage, or a Visa credit card with low interest rates, we’ve got you covered.

With our competitive rates, flexible terms, and exceptional customer service, we are here to help you achieve your financial goals. Contact us today for more information or to get started!

New & Used Vehicle Loans

The credit union makes loans on new and used vehicles. Newer vehicle loans can be extended to 7 years (84 months) if over $15,000. Financing on vehicles is determined by using the N.A.D.A. valuations.

You can make shopping and financing easier by getting pre-approved prior to your visit to the car dealers.

The credit union offers GAP Insurance which pays the difference between the loan amount and the value of your car in case of an accident in which the insurance company totals your vehicle. You will find the cost of the GAP you purchase at the credit union is far less than what you would get at a dealership.

Warranties are also available at the credit union. You will find that the coverage of the warranties are comparable to what you would get elsewhere at a much more reasonable cost.

Real Estate Second Mortgage

  • Minimum Loan Amount of $5,000
  • Maximum Loan Amount of $50,000
  • Maximum fixed rate term of 10 years
  • Maximum loan not to exceed 85% of assessed value less any outstanding liens or 80% of appraised value less any outstanding liens
  • Interest may be tax deductible
  • An easy way to consolidate your bills and possibly lower your interest rate

Low cost first mortgage

  • Minimum Loan Amount of $5,000
  • Must have at least 50% equity based on the County Assessed Value
  • Maximum fixed rate term of 15 years
  • Interest may be tax deductible
  • Lower fees than traditional mortgage

Real Estate First Mortgage

  • Minimum Loan Amount of $5,000
  • Not to exceed 80% of the appraised value
  • Maximum fixed rate term of 15 years
  • Refinance or purchase loans available on owner occupied properties only
  • No prepayment penalties
  • Escrow account at credit union required
  • No loan on land only
  • No construction or building loans
  • No loans on dwelling residing on leased property
  • Interest may be tax deductible
  • With escrow account set up the member does not need to worry about paying insurance or taxes

New 30 Year Mortgage

Buying a home and need a 30-year mortgage? We partner with Pivot Lending. Click on the Pivot logo to apply now.