Savings Rates
Whatever your dreams are, Heartland Credit Union can help you plan and save for them.
Certificates: Regular / IRA / Education
| Term | Minimum to Open | Rate | APY |
|---|---|---|---|
| 3 Month | $500 | 0.40% | 0.40% |
| 6 Month | $500 | 0.50% | 0.50% |
| 9 Month Special | $500 | 1.74% | 1.75% |
| 12 Month | $500 | 0.75% | 0.75% |
| 12 Month Add-On | $250 | 0.65% | 0.65% |
| 13 Month Special | $500 | 2.09% | 2.10% |
| 18 Month | $500 | 0.85% | 0.85% |
| 21 Month Special | $500 | 2.97% | 3.00% |
| 24 Month | $500 | 1.00% | 1.00% |
| 30 Month | $500 | 1.00% | 1.00% |
| 36 Month | $500 | 1.29% | 1.30% |
| 37 Month Special | $500 | 3.06% | 3.10% |
| 48 Month | $500 | 1.39% | 1.40% |
| 60 Month | $500 | 2.48% | 2.50% |
Platinum Money Manager
| Minimum to Earn Dividends | Rate | APY | |
|---|---|---|---|
| Platinum Money Manager | $0.00 to $24,999 | 0.08% | 0.08% |
| Platinum Money Manager | $25,000 - $49,999 | 0.20% | 0.20% |
| Platinum Money Manager | $50,000 - $99,999 | 0.30% | 0.30% |
| Platinum Money Manager | $100,000 - $199,999 | 0.40% | 0.40% |
| Platinum Money Manager | $200,000 - $499,999 | 0.50% | 0.50% |
| Platinum Money Manager | $500,000 and more | 0.60% | 0.60% |
Heartland Money Market
| Minimum to Earn Dividends | Rate | APY | |
|---|---|---|---|
| Heartland Money Market | $0.00 to $49,999 | 0.00% | 0.00% |
| Heartland Money Market | $50,000 - $99,999 | 0.80% | 0.80% |
| Heartland Money Market | $100,000 - $149,999 | 0.90% | 0.90% |
| Heartland Money Market | $150,000 - $199,999 | 1.00% | 1.00% |
| Heartland Money Market | $200,000 and more | 1.24% | 1.25% |
Dividend Checking
| Minimum to Earn Dividends | Rate | APY | |
|---|---|---|---|
| Dividend Checking | $1,500 | 0.15% | 0.15% |
Other Savings Programs
| Minimum to Earn Dividends | Rate | APY | |
|---|---|---|---|
| Membership Savings | $100 | 0.10% | 0.10% |
| Special Purpose Savings | $100 | 0.10% | 0.10% |
| Saver's Sweepstakes Savings | $25 | 0.10% | 0.10% |
| IRA/Education Savings | $100 | 0.15% | 0.15% |
| Business Checking | $10,000 | 0.05% | 0.05% |
Health Savings Account
| Minimum to Earn Dividends | Rate | APY | |
|---|---|---|---|
| Health Savings Account | $250 - $2,499 | 0.10% | 0.10% |
| Health Savings Account | $2,500 - $4,999 | 0.12% | 0.12% |
| Health Savings Account | $5,000 - $14,999 | 0.18% | 0.18% |
| Health Savings Account | $15,000 + | 0.20% | 0.20% |
View our Truth-In-Savings Disclosure
View our Saver’s Sweepstakes Truth-In-Savings Addendum
Rates can change without notice. Fees may reduce earnings. For any fees and charges that may be assessed against your account, refer to the Fee Schedule. Loyalty Points cannot be used with any rate specials. Can choose an IRA/Roth/SEP/Coverdell certificate. APY is annual percentage yield. Certificates rates are fixed for the term when the account is opened. Please review our Account Disclosure for terms and conditions. Certificates may have early withdrawal penalties.
Regulation D information, including how many savings withdrawals are permitted per month.
Heartland Credit Union rates as low as 0.0%
VS
Average* 0.0% APR
Save up to Now!
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save you money™
save you money™
Heartland Credit Union vs Average
Heartland Credit Union outperforms the average as of June 99, 3000 earning a Datatrac Great Rate Award®.*
‡APY = Annual Percentage Yield
†APR = Annual Percentage Rate