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“At Heritage Credit Union, our goal is to simplify banking and meet your financial needs. Stop by and meet our friendly Ladysmith staff.”

Ann, Branch Manager

We're here to meet your financial needs at Heritage Credit Union, Ladysmith.

Product Details Table
Products Details

Checking Accounts

$100 bonus offerº

No monthly fees. Easy Technology. Supported by real people.

Start banking with us and get $100. There's no minimum balance to open an account and no hidden fees. Plus, we offer online banking features such as Mobile Deposit, Pay a Friend, and External Transfers.

Use promo code 100CHECKWEB when you apply online or when you visit our branch.

Auto Loans

Rates as low as 1.99% APR*

Our branch in Ladysmith offers auto loan rates as low as 1.99% APR* with same day preapprovals to make the car buying process simple and fast. Submit an easy online application or visit our branch to get started on your low rate loan.

Credit Cards

No fee balance transfer

Do you have high balances on your non-Heritage credit cards? Transfer your balance from a high rate bank credit card to one of our lower rate Heritage Visa® cards.

Mortgages

$300 Off Closing Costs

Apply using our fast and easy online mortgage application and mention promo code 300MORTGAGEWEB to your loan officer for your closing cost bonus.°°

Street Address

701 W Miner Ave Get Directions 24-Hour ATM Access Available

Mailing Address

701 W Miner Ave Ladysmith, WI 54848

Branch:

715‒532‒7731

Lobby Hours (By Appointment)

Table of Ladysmith Lobby Hours (By Appointment)
Mon - Fri9:00 am - 4:30 pm

Drive Up Hours

Table of Ladysmith Drive Up Hours
Mon - Fri8:30 am - 5:00 pm
Sat8:30 am - 12:00 pm

ºAll offers subject to qualified credit. New members: subject to member eligibility and an initial deposit of $5 into a primary savings account, which must remain open for 12 months. Accountholder must be 16 years of age or older to redeem offer. Promo code must be presented by July 31, 2020, and prior to opening the account. Qualifying accounts must be opened within 30 days after presenting promo code. Cannot use multiple offers on same product. Promotions can change or end at any time. Each coupon may be used once per individual member account. Bonus may be taxable as income and reported on IRS Form 1099-INT. Heritage employees and their immediate families are not eligible. Void if expired, altered, reproduced or photocopied. Must not have had an open Heritage checking account in the 6 months prior to opening new account. $100 will be credited to your Heritage primary share account within 30 days of receipt of your first direct deposit of $100 or more into a new qualifying checking account. Direct deposit must be new to Heritage (not transferred from another Heritage account) and received within 30 days of opening new checking account. Direct deposit must be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Transfers from external accounts do not qualify.

ººAll offers subject to qualified credit. New members: subject to member eligibility and an initial deposit of $5 into a primary savings account, which must remain open for 12 months. Accountholder must be 16 years of age or older to redeem coupon. Coupon must be presented by July 31, 2020, and prior to opening the account. Qualifying accounts must be opened within 30 days after presenting coupon. Cannot use multiple offers on same product. Promotions can change or end at any time. Bonus may be taxable as income and reported on IRS Form 1099-INT. Heritage employees and their immediate families are not eligible. Void if expired, altered, reproduced or photocopied. Each coupon may be used once per individual. Must present coupon upon application to receive $300 off closing costs. Good on first mortgages only. Not valid on refinancing Heritage loans. Some restrictions apply. These terms and conditions are subject to change at any time.

7 Year ARM Mortgage

3.125% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*