Heartland Credit Union Member Solutions Specialist Kevin Hall discusses how to use credit cards responsibly and talks about credit card options from HCU. Making payments on time and spending within your budget are important for maintaining a good credit score and financial well-being. With HCU's Your Rewards Visa Credit Card you can earn points for rewards like travel, statement credit, cashback, merchandise, gift cards, and charitable donations every time you shop. Or, you can keep things simple with our low rate Everyday Visa Credit Card.

If you're considering refinancing your auto loan, it's important to understand if a refinance is right for you.

Michael Lizalde, AVP of Member Experience, talks about all the ways Heartland can help with an auto loan for purchasing a new or used vehicle or refinancing your current car loan. HCU offers personalized loan solutions with flexible terms and payments to fit your budget, and you can get pre-qualified before you walk into a dealership. Or take advantage of the equity in your current vehicle to refinance and use the cash for almost anything!