Heart of the Lakes Credit Union has been our new name for quite some time now. Since the name change, we've seen many new members from the areas to the west of us, the new name has better reflected our larger trade area.

At our credit union...Internet "banking". You can access your credit union account right from your home or office. Call our office, or fill out application online, to sign up to use "Otto-Net" our online account access. 

Looking for collector sets of the new state quarters? We have uncirculated sets of all the quarters that have been minted to date. They come in a nice package with the history of each state. We also have a collector box that will hold all the sets.

Photo ATM/VISA Debit cards. With your picture on your card...makes it hard for anyone else to use your card.

Loans: We have use "Risk" based lending...Your credit score determines your "Loan Rate". Most members benefit from risk based rates.

When dealing on that new or used car or truck, and you have'nt received a prior preapproved loan from us, ask the dealer if they work with our credit union. We have many area dealers signed up with us. If they are signed up, you can do a credit union loan right from the dealer.

We offer "Home Equity Line of Credit" loans, (HELOC), where you can use the equity in your home for just about any purpose. Call or see us soon.

In addition to our New York Mills location, see us in Perham at 108 Judd Street (near the Dairy Queen). Hours are the same 8-5 M-Th, 8-6 Fri. and 9 to noon Sat. Stop in.

Thank you for taking the time to explore our web site.

Be sure to look at all our great products and services.

Keep watching for exciting new products and services.