Through these difficult times…we are standing beside you!

AP Federal Credit Union can help you in many ways when times are tough. We understand in today’s economic climate how challenging life can be.

We have loans, share secured Visa Credit Cards and more.  Talk to an AP Representative at either Toledo location at 419-476-2531 or go to

Perhaps your financial difficulties are getting out of control.  You can contact Trinity Debt Management and talk to an expert.  Trinity offers several options to help you get back on the path of financial wellness.  The first step is to call for a free debt analysis 800-793-9019, mention you are a Heartland member or visit

Introducing..Trinity Debt Management

Heartland Federal Credit Union is pleased to offer a great member benefit – Trinity Debt Management Financial Counseling.

As a valued member of Heartland Federal Credit Union, we are committed to serving you. And as a benefit of your membership, we are providing you with free access to financial education and counseling services.

AP Federal Credit Union has teamed up with Trinity, is a non-profit financial counseling organization. Through comprehensive education and exceptional service, this organization has been assisting individuals since 1992.

Through our partnership with Trinity, you will enjoy unlimited access to financial counselors.

You can receive assistance with:

  • Personal and family budgeting
  • Personal money management
  • Debt repayment
  • Avoiding bankruptcy, foreclosure, and repossession

Trinity  counselors are available Monday through Friday

To use this new service, simply call 1-800-793-9019 or visit them on the web anytime at