Effective immediately, our Lancaster office will be closed on Saturdays until further notice. Our Monday-Friday hours will remain the same.

Login Apply

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	0.10%	0.10%
6 Month	$500	0.15%	0.15%
12 Month	$500	0.25%	0.25%
12 Month Add-On	$250	0.20%	0.20%
18 Month	$500	0.35%	0.35%
24 Month	$500	0.40%	0.40%
30 Month	$500	0.45%	0.45%
36 Month	$500	0.50%	0.50%
48 Month	$500	0.75%	0.75%
60 Month	$500	0.90%	0.90%

Platinum Money Manager

	Minimum to Earn Dividends	Rate	APY
Platinum Money Manager	$0.00 to $24,999	0.06%	0.06%
Platinum Money Manager	$25,000 - $49,999	0.10%	0.10%
Platinum Money Manager	$50,000 - $99,999	0.15%	0.15%
Platinum Money Manager	$100,000 - $199,999	0.20%	0.20%
Platinum Money Manager	$200,000 - $499,999	0.25%	0.25%
Platinum Money Manager	$500,000 and more	0.35%	0.35%

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	0.20%	0.20%
Heartland Money Market	$100,000 - $149,999	0.25%	0.25%
Heartland Money Market	$150,000 - $199,999	0.30%	0.30%
Heartland Money Market	$200,000 and more	0.40%	0.40%

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.

Are you ready to change?

Join Heartland and grow with us.

Join Now

Leave this Website?

You are leaving the Heartland Credit Union website. The website you are linking to is not operated by Heartland Credit Union. We are not responsible for any content or information posted to this external website. Heartland Credit Union is not responsible for, nor do we represent you or the external website if you enter into any agreements.

Privacy and security policies may differ between our website and this external site.

Online Banking Secure Login

If you have not set up your username, please enter your account number.

Close