Share the Love.

Do you know someone that could benefit from being a member?

Refer a Friend

You’ve experienced all the great products and service that HCU has to offer.  Now it’s time to Share the Love with family and friends.  Not only will you be making someone else’s life easier and better, you can also earn a little extra cash. So, come on, Share the Love today.

It’s the Heartland Way.


Referring a friend to HCU is easy and can earn you and your friend a little bonus!


  • Earn $50 if your friend opens a primary checking account
  • Earn $50 if your friend secures a personal loan of at least $10,000


Simply click the "Refer a Friend Today" button above to send a message to your friends. Or, print out this Refer-A-Friend form, and give to a family member or friend. Your friend will bring the finished form into any Heartland Credit Union branch. The referral form must be provided at the time of account opening.

*Membership required. Referral form must be provided at time of account opening. Referrers earn $50 each and referees earn $25 each for: 1) Referee that opens their primary personal checking with HCU with payroll direct deposit. 2) Referee securing funded personal loan of at least $10,000 within 60 days of opening account. Referee must meet membership requirements and have not had an HCU account for at least 12 months. All member accounts must be in good standing to receive payment. Bonus will be deposited in the members Share account within 45 days of opening. Not valid with any other offer. Members will receive a 1099-INT for bonus. Must be at least 18