I have been a member of Heartland when it was Dayton Telecom that is over 30 years. I found that they get better each passing year. I would never bank any where else but Heartland. Yes they have grown bigger but better as well. I would never go any where else for a car loan. Heartland ATM I can use any where without any problem. I can call and get service quickly and professional answer and assistance. Thank you Heartland for being my financial Union. read more

I should have know when I walked in the Middletown CU and saw a 30 ft long water fountain. What financial entity does this - a credit union of all places. Of course their yelp rating of 1.7 should have been a flag as well. My mother was going into a long term care facilty, I am the POA on her trust account. I filled out the paperwork, provided my Ohio Drivers license, and trust docs. After 2 weeks they declined to give me access to her account to allow me to manage paying her bills, finances. I am going to have to take her there, close all her and my accounts and move them somewhere else. 100% would never deal with them again. let some else's money pay for the indoor water fountain. read more

these people are slow!! 2 to 3 week loan is now in week 5. here's the kicker. I've already signed the loan agreement. therefore, I'm paying interest on a $60,000 loan and have received no money. all I get is excuses and reasons. Wish I'd gone to 5/3 LH read more

HeartlandFCU Is the worst Credit Union/bank I've ever had to deal with, Wright Patt Credit Union blows these guys out of the water! #1. Went in a HeartlandFCU branch to make an auto payment they weren't able to make a transaction off my debit card from my WPCU, never have had this problem before. #2. I would make a phone call I always seem like I'm disturbing one of the call center representative. #3. It's really irritating when I'm not able to make a payment over the phone how I am able to do that for Wright Patt credit union. #4. I was trying to do shared branching from my WPCU over HFCU app on my phone and there app would always log me out so I could never make an auto payment from the HFCU app, there app is a total piece of crap!! #5. Another time I even had a WPCU Call service representative to help me out to set up with my auto payment from WCPU over HFCU, even the WPCU call service representativecouldn't understand why their system is so complicated and so messed up. #6. HeartlandFCU has horrible banking hours. (No Saturday hours) #7 it just seems like every time I turn around and try to do some sort of banking with this company and it always seems like they have nothing but problems. DON'T DO YOUR BANKING HERE!! read more

I have so many issues with this credit union ~~ my oldest daughter has an account with them also(or did), our accounts are 2 numbers different and when she pays her bills, they have been taking it out of my checking account ~~ we are up to over $10,000 now that she owes me, she gives them her info I have been paying her house pmt, cell phone pmt and AMS pmt and credit card pmt. As soon as we think its fixed they take a pmt out of my account. I know I should be checking statements better, but I'm disabled so it hurts to sit very long. My name is on her account, that way if she needs anything I can help her out. Had this not been me this was happening to, I am sure another cust would be furious, missing this kind of money. Luckily my daughter is opening an account else where, so the bleeding should stop. Nicole is very helpful on the phone, I know a few years ago I had put a poor review on here about how she treated me, but it has improved 100%. and that review is missing now. Kevin called me yesterday (9am), wanting me to return his phone call, so I did about 4:00 pm, he was having issues with his computer, so he said he would call me back. Its almost 24 hours later, I have not heard anything from him. Now he can leave me a message on my voicemail ~~my daughter already filled me in on what happen this timeThis is the great customer service they offer ~~ should they get better, I will post a better review. read more

I had a account through them every single time 3 times i called every person I talked with was rude,short with me on phone, expected I should be knowing my own questions. Pathetic service read more

Members for waaay over a decade. Even after the transfer of ownership, customer service, fraud lookout, and mobile app is superior. Credit Unions often go unnoticed. This one is an absolute GEM! read more

This is a Credit Union that got to big for its britches. Once small and represented what a credit union is all about. Now they have turned into a Financial Institution. If fact Heartland is worse than a bank. If you what to be a number, than this is for you. read more

I have been a member for 25 years. Around 12 years ago I needed a consolidation loan and a bank gave me below 6% on that loan, Heartland couldn't touch it. The bank screwed up and closed my credit card at Heartland. When I contacted Heartland about the screw up they reinstated the credit card but the CEO said he was taking half of my earned points, half of 70,000 because I have chosen to do business elseware and that they had a lot to offer. I replied to the CEO that I have tried to go to them a couple of times for car loans but the banks had a better offer. At the beginning of this year I had around 69,000 points earned that had built up over several years and they just expired them without warning on my first statement of the year, is that legal? Heartland was a good credit union 20 years ago but within the last 12 years they have really gone down hill. Heartland credit union is now more like a Check into Cash or Car Title loan. I also have many other complaints. I do not trust them, one time I made a credit card payment and they credited somebody else's account . I noticed it on my statement when they hit me with a late fee and doubled my payment, good thing I kept the receipt. I suggest to stay far away from Heartland Credit union. They don't deserve one star. read more

My husband and I have been members for about 38 years. When we joined it was Dayton Telco. All our banking online, including Bill pay, until the last few months when it took longer and longer to get to the necessary site. I called and was told my dial up server was no longer fast enough to give me access. Funny thing is I can access any of the Heartland sites but, not the one I need. At this point I can't get on the site at all. I have no problems getting where I need to go at my local banks site. Both my husband and I are retired and on fixed income. Dial up is the least expensive option when you live in the country where there isn't even cable available. So no, I can't give you ravingly goo reviews today. read more

This company is a joke. Our family has been members for 10 plus years until a few years ago. We recently found out that they gave us a deragatory mark on our credit for late payments on a cc and the card has been closed for a long time, not to mention they were not sending us any billing statements and closed our online account down about a year ago. We found out directly from several employees that this is a known issue and they have had a dozen plus complaints. We have received no help from the CU, its compliance officer, or the CEO himself in resolving the matter and now are having to file complaints with the proper agencies. Because of this institution's mistake, we are unable to get approved for a loan to buy our dream home. Its not only affecting us, but our two little girls are crushed as well. Not to mention the reason we left the CU in the first place was they LIED to us about refinancing other lons in order to tie us to a new loan. Do not waste your time with this company! read more

This company doesn't even deserve 1 star! SAVE YOUR MONEY AND YOUR CREDIT SCORE! My family have been members with Heartland FCU for over 10 years and my brother was even a branch manager. After he left the company, things went down hill fast for my wife and I. we had 2 auto loans and I had a credit card with them. I wanted to buy a new motorcycle, so we went in to talk to the loan officer, I made it very clear that in order to buy the motorcycle, I needed to refinance the 2 auto loans. She said the board would have to review it and she would let me know. A few days later I got a call that it was approved and we could come in and sign the paperwork. when we got there, she only had paperwork for the new loan. She said not to worry that she wanted us to get the motorcycle taken care of because my wife was pregnant and scheduled to deliver the next day. She even went over the new interest rates and told us what the new payments would be on the 2 cars. She said she would have the refinancing paperwork ready to go and to call her when my wife was out of the hospital and we could sign the paperwork. I called her a week later and she said that the board had changed their minds and that they were not going to let us refinance the auto loans. I confronted the CEO and told him what had happened and was told that the decision was final. I threatened to take my business elsewhere and was shown the door. Both the CEO and the loan officer are no longer with the company. In the process of moving my business to another credit union, Heartland closed my credit card account with no notice, and I got a notice from credit karma that the balance was removed from my report. I tried to login to my online account and it was shut down. They also stopped sending me billing statements. About 2 months ago i got a call from their VP of credit and she told me my payment was way late and I needed to take care of it ASAP. I explained that it was closed and removed from my credit, and that I had not received any billing statements and also that my only access has been turned off. She said she would look into it and I agreed to come in and make a payment on the card. When I was in to make a payment I asked about the online access, they looked into it and said that it was DELETED by them for an unknown reason, I mentioned again about not receiving the billing statements and was told that its a known issue and that more than 12 people have complained about not getting their statements. I am trying to buy my wife and kids their dream home, and was just informed that I don't qualify because my credit score is a few points too low. I was told that heartland FCU is reporting a derogatory mark on my credit for late credit card payments, but if I can get them to remove it, I will get approved. I have contacted the credit union and have been told by the CEO that they will not take it off of my credit, and that I can file a dispute with the 3 credit bureau's to have it removed if I would like, but it will take months and I will loose out on buying the house we want. I pointed out to them that per THEIR consumer credit card agreement it states that they will send monthly billing statements prior to the bill being due, and that they had failed to notify me of the payments due and date due, and that its an ongoing issue that their employees are aware of. The CEO offered to write the mortgage company a letter to tell them that my card is now current, but wont remove the derogatory mark. I have filed disputes with the NCUA, CFPB, FTC and the better business bureau. They just don't care about their members! read more