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“Stop in and see us. We will always make time to visit with our members or welcome new members into our family.”

David, Branch Manager

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

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 Chetek 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.


$100 Low Rate Guarantee

We’re confident we can get you the lowest rate on your mortgage. Already approved with another lender? We'll beat your rate or give you $100.°°

Street Address

1502 Hwy Blvd N Get Directions 24-Hour ATM Access Available

Mailing Address

1502 Hwy Blvd N Chetek, WI 54728



Lobby Hours

Table of Chetek Lobby Hours
Temporarily Closed

Drive Up Hours

Table of Chetek Drive Up Hours
Mon - Fri8:00 am - 5:00 pm
Sat8:00 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 May 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.

°°Subject to qualified credit and membership eligibility. Preapprovals do not qualify. Approval from other lender must be subject to specific property. The lender’s interest rate (APR) must not be supported by any third-party arrangements, including government programs such as FHA or VA loans. The lender’s interest rate must be widely available to all of its customers who share a similar credit risk profile. The interest rate (APR) must be for the same mortgage conditions that are being applied for at Heritage Credit Union, including but not limited to: property, loan amount, loan term, loan purpose and payment method. You need to be approved for identical interest rates and loan conditions at both the other lender and Heritage Credit Union. If requested by us, you will need to supply Heritage Credit Union with evidence that the other lender’s interest rate (APR) meets the Low Rate Mortgage Guarantee terms and conditions described here. This could include an approval letter, loan document containing the APR or other documentation. This offer expires at the time the borrower signs a rate lock form with Heritage Credit Union for a given mortgage. These terms and conditions are subject to change at any time.

7 Year ARM Mortgage

3.250% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*