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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	0.20%	0.20%
6 Month	$500	0.25%	0.25%
12 Month	$500	0.35%	0.35%
12 Month Add-On	$250	0.30%	0.30%
18 Month	$500	0.45%	0.45%
24 Month	$500	0.55%	0.55%
30 Month	$500	0.60%	0.60%
36 Month	$500	0.65%	0.65%
48 Month	$500	0.80%	0.80%
60 Month	$500	0.95%	0.95%

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	0.15%	0.15%
Platinum Money Manager	$50,000 - $99,999	0.20%	0.20%
Platinum Money Manager	$100,000 - $199,999	0.30%	0.30%
Platinum Money Manager	$200,000 - $499,999	0.35%	0.35%
Platinum Money Manager	$500,000 and more	0.45%	0.45%

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	0.30%	0.30%
Heartland Money Market	$100,000 - $149,999	0.40%	0.40%
Heartland Money Market	$150,000 - $199,999	0.50%	0.50%
Heartland Money Market	$200,000 and more	0.60%	0.60%

Interest Rates Certified by Datatrac

Other Savings Programs

	Minimum to Earn Dividends	Rate	APY
Membership Savings	$100	0.05%	0.05%
Special Purpose Savings	$200	0.05%	0.05%
Saver's Sweepstakes Savings	$25	0.05%	0.05%
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.

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