Bank ON Community Banking!

Locations in Ft. Mitchell, Ft. Thomas & Union

Relationships matter in life – whether it’s with family, a coach, a co-worker, or a friend. These relationships can be a saving grace when times get tough or when a little advice is needed. A relationship with a banker is just as important to give you peace of mind and enjoy what matters most. 

  • For that first job when a first checking account is needed
  • For the purchase of a first home when help is necessary while navigating mortgages and loans
  • For the start of a family with support through a savings account and insurance options
  • For the start of a business when advice is crucial for the type of loan needed
  • For the preparation for retirement and estate planning

At Heartland, unmatched value is created for our clients by being attentive to individual needs and getting to know each and every client. By developing a deep relationship with the client, Heartland bankers are better able to understand their financial goals, which in turn helps Heartland to protect their assets and set each individual up for success in the future. Learn more about the services we can provide here

Please feel free to visit our branches or fill out the form below, and let us know what stage of life we can help you with! 


  • Start a Relationship With Our Northern Kentucky Team Today!

Meet Our Northern Kentucky Team!


swing into spring heloc special

*Annual Percentage Rate (APR). Prime minus .50% APR good for the life of the line. This is a variable rate that will adjust to the Prime Rate as published in the Wall Street Journal on the last day of the month, currently at 4.00% as of 05/05/2022. If the Prime Rate changes, your interest rate, and payment will adjust accordingly. Maximum interest rate is 24%. These rates are available to applicants with a minimum credit score of 725 and a maximum loan-to-value of 80%. Maximum debt-to-income ratio of 45%. Floor rate is equal to initial rate at time of closing. Your rate may also be different depending upon your credit history. Maximum line amount is $500,000. Loan term is ten years. Draws and payments can be made during the entire term of the loan. Lines over $250,000 may require title insurance. Any loans outside our current markets of Ohio and Kentucky may incur additional fees, including but not limited to, mortgage recording fees and title fees, at the cost of the borrower. Minimum monthly payment for a HELOC is 1% of the outstanding principal balance, but never less than $100 unless the outstanding principal balance is less than $100. Payment will fluctuate month to month. A balloon payment may result. There is an annual fee of $50.00 that is waived the first year and is applicable every year thereafter. Property insurance is required. Flood insurance may be required. 1-4 family owner occupied properties only. Property must not be currently listed for sale. Interest only HELOC products are also eligible for this offer. For interest only HELOCs, the loan term is three years. Minimum monthly payment is the interest owed on the principal balance at the time it bills each month, so it will fluctuate month to month. A credit advance of $10,000 at an annual percentage rate of 3.50% would take 3 years to pay off, with no other credit advances made during that period. During that period, you would make 35 monthly payments ranging from $26.85 to $29.72 and one final balloon payment of $10,029.72. This offer is valid for new equity lines only. Subject to credit approval and appraisal. Consult a tax advisor about the deductibility of interest. Other rates and terms available. *Offer ends 06/30/2022.