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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

TermMinimum to OpenRateAPY
3 Month$5000.30%0.30%
6 Month$5000.45%0.45%
9 Month Special$5,0001.74%1.75%
12 Month$5000.75%0.75%
12 Month Add-On$2500.65%0.65%
13 Month Special$50,0002.09%2.10%
18 Month$5000.80%0.80%
21 Month Special$5,0002.18%2.20%
24 Month$5000.90%0.90%
30 Month$5001.00%1.00%
36 Month$5001.29%1.30%
37 Month Special$5,0002.28%2.30%
48 Month$5001.39%1.40%
60 Month$5002.48%2.50%

Platinum Money Manager

 Minimum to Earn DividendsRateAPY
Platinum Money Manager$0.00 to $24,9990.08%0.08%
Platinum Money Manager$25,000 - $49,9990.20%0.20%
Platinum Money Manager$50,000 - $99,9990.30%0.30%
Platinum Money Manager$100,000 - $199,9990.40%0.40%
Platinum Money Manager$200,000 - $499,9990.50%0.50%
Platinum Money Manager$500,000 and more0.60%0.60%

Heartland Money Market

 Minimum to Earn DividendsRateAPY
Heartland Money Market$0.00 to $49,9990.00%0.00%
Heartland Money Market$50,000 - $99,9990.80%0.80%
Heartland Money Market$100,000 - $149,9990.90%0.90%
Heartland Money Market$150,000 - $199,9991.00%1.00%
Heartland Money Market$200,000 and more1.24%1.25%

Dividend Checking

 Minimum to Earn DividendsRateAPY
Dividend Checking$1,5000.15%0.15%

Other Savings Programs

 Minimum to Earn DividendsRateAPY
Membership Savings$1000.10%0.10%
Special Purpose Savings$1000.10%0.10%
IRA/Education Savings$1000.15%0.15%
Business Checking$10,0000.05%0.05%

Health Savings Account

 Minimum to Earn DividendsRateAPY
Health Savings Account$250 - $2,4990.10%0.10%
Health Savings Account$2,500 - $4,9990.12%0.12%
Health Savings Account$5,000 - $14,9990.18%0.18%
Health Savings Account$15,000 +0.20%0.20%
Open an HSA

View our Truth-In-Savings Disclosure

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.

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