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The first credit union was established in 1864 by Friedrich Raiffeisen in rural southern Germany. Raiffeisen believed his neighbors and friends could enjoy an enhanced standard of living if only they had access to common funds. He proposed that all community members pool their resources so individuals in need of loans could easily access the necessary funds. Raiffeisen’s idea was well received by his community, and the first credit union model was soon established.
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Meet Our Team

Rachel Isabelle

Fred Cusin

Parwez Bholah

Shezaadi Lotun
Our History
Heartland CO-OPERATIVE Credit Union
We are a group of members that stand together to create a society for trading purposes & credit finance. Our members are in trade business like grocers, small retails shop, hair saloon, stores, supermarket, car rental, manufacturing shop. We are looking for more members to join in so we can raise a funds. The funds will be able to help those small business to grow up in the future. We Created Heartland Co-operative Credit Union To help the public achieves dreams Our main objective is to have a lot of members happy,help them with :
-family loan schemes
-car loan
– credit finance
-lend schemes
-dividend repayments each year