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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 Vollendorf, Branch Manager

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

Product Details



Checking Accounts

$100 offerº

Get $100 with a new Simply Free Checking account. Featuring no minimum balance and no monthly fee. Plus, we offer online banking features such as Mobile Deposit, Pay a Friend, and External Transfers.

Enter promo code 100CHECKWEB when you apply.

Auto Loans

Our Ladysmith branch offers auto loan rates as low as 1.99% APR.* We also have same day approvals to make the process simple and fast. Fill out an online application or visit our branch to save today.

Credit Cards

Choose between our low rate or rewards Visa credit cards. Each card features a low monthly payment with no annual fee. 


We'll walk you through the home buying process and help you get a mortgage that fits your budget. Our experienced loan officers figure out how much house you can afford, and as always, make sure you get a low monthly payment. 

Street Address

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

Mailing Address

701 W Miner Ave Ladysmith, WI 54848



Lobby Hours

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

Drive Up Hours

Table of 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 December 31, 2019, 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.

7 Year ARM Mortgage

3.500% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*