News from the Heartland

Heartland announced new product lineup

“We looked at our current products, studied the marketplace and, most of all, asked our members what they wanted,” said Heartland CEO Pam O’Connell. “It became clear that a change was in order — a change, more than anything, that will benefit members and move Heartland into a new era of service and innovation.”

And with that, Heartland Credit Union announced a new lineup of deposit products, including Rewards Checking, an eChecking account, a high-yield eSavings account, the new Money Maker money market account and the iSave Club for teens. In addition, a new website is due to launch this spring, along with eStatements and enhanced login security for online account access.

Lots of changes— and they’re all good!

“We realize it’s a lot of change in a short period of time,” added VP of Operations Dawn Friedrich. “But the changes are all positive and made in the best interest of our members.” Existing Performance Plus and Interest Plus checking accounts will be upgraded to Rewards Checking accounts.

Those who have 55 Prime Plus Checking will see the name of their account change to Free 55. Free Checking will remain, well... free. T.E.A.M. Club accounts for teens will change to iSave Club accounts. And Money Market Savings and Money Market Plus accounts will be rolled into MoneyMaker accounts.

Biz accounts change too

Members with Small Business Checking accounts will see their accounts become Free Business Checking. Regular Business Checking accounts will be enhanced with added value.

More info available

Our member service reps' (MSRs') job titles are changing to better reflect their capacity as Financial Consultants. They’ll be happy to answer any questions you may have. Branches will be stocked with informative brochures and the website will contain complete details. For more information, stop by your nearest Heartland office or call (651) 451-5160.

Introducing

eSavings

Want a risk-free, high-yield savings account with no monthly fees and no minimum balance? With our
eSavings, the “e” stands for extraordinary!

• Deposit and withdraw in any amount as often as you would with a regular savings account.

• Earn a promotional rate of 4.25% APY* through June 30, 2007 regardless of balance.

• Your money’s insured to $100,000 by the NCUA and up to an additional $250,000 by ESI.

If you have a Rewards or eChecking account you automatically qualify for eSavings!

*Promotional APY (Annual Percentage Yield) accurate as of March 1, 2007 and good through June 30, 2007.

Hesitant to invest in today’s volatile stock market? With Heartland’s new MoneyMaker
account, you can:
 

• Earn high investment returns with a variable tiered dividend rate — the more you save, the more you earn!

• Deposit as often as you like in any amount

• Keep your money liquid

• Feel secure in knowing your money’s insured by the NCUA and ESI.

Minimum balance $2,500. For details and current rates, talk to a Heartland financial consultant.

Great time to save!

 It’s never too early to start saving for retirement — and now is a great time with Heartland IRA CD rates up to 5.51% APY.* Open a tax-deferred IRA today and prepare for a financially secure tomorrow!

Heartland offers a variety of retirement savings solutions, and we’ll be happy to propose the best IRA investment to meet your needs. Your earnings grow tax-deferred, and you may qualify for significant tax deductions.

Feel secure in knowing that Heartland IRAs are insured up to $250,000 by the NCUA and up to an additional $250,000 by ESI (Excess Share Insurance). In addition, our IRAs are ideal for accepting rollovers and transfers. We’ll make it easy to transfer IRA funds from another institution and help you with every step along the way. Open your IRA today — Stop by your nearest Heartland branch or call (651) 451-5160.

*5.51% APY (Annual Percentage Yield) applies to 60-month IRA CD with a minimum balance of $10,000. Rate accurate as of March 1, 2007 and subject to change. Other rates and terms available. Pick up a rate & fee schedule at your nearest Heartland Credit Union office.

Introducing

iSave Club for teens

The Club formerly known as T.E.A.M.! Teens who join our iSave club will learn the value of saving, how to use and balance a checking account, how to access their accounts online and how building credit from an early age will put them ahead of the game! As iSave Club members, teens can:

• Start saving with a Savings or Education Savings Account

• Open an iSave CD or Education CD with as little as $250!

• Start a checking account and get a Visa® Check Card (at age 15 with parent cosigner)

• Get their first Visa® Credit Card (at age 16 with parent cosigner)

• Finance their first vehicle with Heartland Credit Union!

For more information on iSave, Education Savings, Visa® Credit Cards, vehicle financing and more, stop into your nearest Heartland branch or call (651) 451-5160 today!

Did you know?

Heartland will pay you a $10 referral fee.

That’s right— refer your friends, co-workers or family to Heartland for a new checking account, CD, money market or loan and we’ll credit your account $10 for each new membership opened!

We offer a Visa® Photo Check Card.

Our Visa® Check Card looks like a credit card but works like a check! Use it to make purchases in person or online, or to withdraw cash at thousands of ATM locations worldwide. Want additional security? We offer a check card with your personal photo on the front of the card. It’s safe and fun... Just ask us how to get one!

You can get your investments right here.

Planning for your future has never been easier than with CU Preferred Investments, Heartland’s financial planning subsidiary. For a free consultation, call (651) 765-6778. Dave Murdock, your registered representative, can help guide you through your options and opportunities!

We offer business accounts and services.

Heartland offers checking, CDs and money market accounts perfect for small- to medium-size businesses. We’ve partnered with CU Member Business, Inc. to offer additional services businesses need to be efficient and effective, including commercial lending, credit and debit card processing, payroll processing— even website development and hosting.

Heartland offers annual scholarships.

Each year we award a $1,000 scholarship and two $500 scholarships to Heartland members who are in or have been accepted to an accredited post secondary school, including vocational or technical schools/colleges. Candidates may apply at www.heartlandcu.com or pick up a form at their nearest Heartland office. Applications are due by 5-31-07.

 

You may not know it, but you have round-the-clock protection against the increasingly savvy perpetrators of debit card fraud. That’s because the debit cards we issue are protected by Fraud-Watch® PLUS. So if you ever get a call from “Fraud Prevention Services” know that our watchdogs are doing their job and preventing potential fraudulent use of your card.

STOP THE PAPER

Your kitchen table is not a file cabinet! Heartland Credit Union will help alleviate the clutter this spring by providing FREE eStatements! Heartland members will be able to access their credit union statements electronically via our FREE and secure Online Banking service from any PC with an Internet connection! With eStatements, you will:

• Be able to view, print and even save your statements on your personal computer

• Receive monthly emails letting you know when your statements are ready

• Never have to worry about mail delays.

Heartland members currently enrolled for Online Banking will automatically receive eStatements. Visit our website and/or watch your statement for updates. You may opt-out if you choose. Call (651) 451-5160 for complete details.

Bean Sprouts

Our Bean Sprout Savers Club teaches kids to save from an early age. Special mailings and updates keep kids informed about opportunities to win money and prizes, as well as events and activities just for club members! Every Bean Sprout Savers Club member receives a free gift just for joining!

Automatic Savings Plan

Heartland’s Automatic Savings Plan allows you to have a fixed amount of money transferred to your high-yield eSavings, Money Maker or IRA Savings or Education Savings account utilizing direct deposit or payroll deduction, or by automatic transfer from a linked Heartland checking account. You’ll save effortlessly and have that money available for emergencies or special occasions. Stop by your nearest Heartland branch for details or call us at (651) 451-5160 to set up your Automatic Savings Plan today!

Introducing

Rewards Checking

Our top-of-the-line checking account, Rewards Checking is packed full of features and benefits to both earn and save you money! With Rewards Checking you will:

• Earn dividends (interest)
• Be eligible for our high-yield eSavings account
• Get FREE personal checks
• Get FREE single-signer travelers checks
• Get a FREE standard-size safe deposit box for one full year (subject to availability)

Performance Plus and Interest Plus checking accounts will be automatically upgraded to Rewards Checking this spring! For more information, visit your nearest Heartland branch or call (651) 451-5160.

eChecking

Great for the Internet user, Heartland’s eChecking account is a paperless, or “check-free” checking account with benefits! Here’s how it works:

To enjoy:

• No monthly fees
• No minimum balance
• Unlimited electronic debits & credits
• And a HIGH-YIELD eSavings account*

Simply maintain an active eChecking account— Just ask us how!

For emergency purposes, paper checks will be made available at your nearest Heartland branch — of course!

Open your eChecking account

Questions? We’re here to help. Talk to a Heartland financial consultant at your nearest Heartland branch or call (651) 451-5160.

Annual Meeting Reminder

Where: CHS and Land O’Lakes
When: 11:45AM, Thursday, March 15, 2007
Plan to attend! Heartland’s Annual Meeting will be simulcast from the CHS Auditorium in Inver Grove Heights and the Mississippi Room at Land O’ Lakes in Arden Hills. Cookies and refreshments will be provided!