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Heartland is considered an essential business. Hours: Drive-ups only from 9am-5pm M-F; 9am-Noon on Saturdays. Contact Us

Balance Transfer

Transfer the balance from another credit card to your Heartland MasterCard and you’ll get 1.99% APR* for 12 months** with no annual fee!

PLUS, for every $1 you transfer, you’ll earn an extra Rewards! point.

Watch your points add up! Then, when you’re ready to redeem them, just log in to your account and select your rewards from gift cards, merchandise and travel.

Apply Now

Click here to read the MasterCard Application and Solicitation Disclosure.




*APR = Annual Percentage Rate. All purchases made will be at the current rate of the credit card. As of January 1, 2020 the APR will be 9.75% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Payments shall be applied to the balance with the lowest interest rate first.  **After introductory period, regular rates apply and range from 9.75% APR to 18.00% APR depending on creditworthiness. By accepting this offer, you are authorizing us to obtain credit reports and make any inquiries we consider appropriate for this application and to tell others about our credit experience with you. Verification of income and other information or supporting documentation may be required to complete the processing of this loan application. Certain restrictions apply such as income requirements, ability to repay and length of employment. Credit may not be extended if, after you respond, we find that you do not meet our criteria regarding length of employment, income, debt status, and ability to pay. Contact the credit union to verify rates, terms and fees. This offer cannot be used to pay off a loan currently held at Heartland Credit Union. Balance transfer amounts are subject to a 2% balance transfer fee, minimum $10 fee. 

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