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Online Banking 800.362.3944

Effective immediately, our Lancaster office will be closed on Saturdays until further notice. Our Monday-Friday hours will remain the same.


“In an environment of rising bank card fees and rates, a credit card from a credit union can make a better choice.”


“Your only concern should be to snag the lowest possible interest rate. Just say no to any card that charges an annual fee. That’s silliness in today’s competitive market.”

–Suze Orman, financial expert

Our Credit Card Program

You get the purchasing power, benefits and worldwide acceptance as with other cards, but the Heartland MasterCard also gives you more — a choice.

Open a Heartland MasterCard today and get as low as 8.25% APR** with NO ANNUAL FEE.

Apply Now

Have a credit card somewhere else?

Transfer and save! Best of all, you can earn points redeemable for cash, travel and gift cards.

Learn More

Lost or Stolen Card Phone Numbers

Call 1-800-528-2273 INSIDE THE U.S.
Call 812-647-9794 OUTSIDE THE U.S.
Call “collect” — the risk department will accept the charges.

Please note: Occasionally, we may want to verify recent activity on your cards. This will be in the form of a text or automated call.


**APR = Annual Percentage Rate. Quoted rate is the lowest available rate, reflects all possible discounts, and is accurate as of July 1, 2020. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility.

Click here to read the MasterCard Application & Solicitation Disclosure.


Guide to Benefits



Get rewarded just for using your Heartland MasterCard Credit Card. With Rewards!, you earn 1 point for every $1 spent.

View Rewards

Benefit Guide

This Guide to benefits contains detailed information about insurance and retail protection services you can access as a preferred cardholder.

Learn More

Balance Transfer

Have a credit card somewhere else? Transfer and save! Best of all, you can earn points redeemable for cash, travel and gift cards.

Apply Now

Are you ready to change?

Join Heartland and grow with us.

Join Now
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