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 | 0.08% | 0.08% |
| 6 Month | $500 | 0.10% | 0.10% |
| 12 Month | $500 | 0.15% | 0.15% |
| 12 Month Add-On | $250 | 0.10% | 0.10% |
| 18 Month | $500 | 0.20% | 0.20% |
| 24 Month | $500 | 0.25% | 0.25% |
| 30 Month | $500 | 0.28% | 0.28% |
| 36 Month | $500 | 0.30% | 0.30% |
| 48 Month | $500 | 0.40% | 0.40% |
| 60 Month | $500 | 0.45% | 0.45% |
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 | 0.08% | 0.08% |
| Platinum Money Manager | $50,000 - $99,999 | 0.10% | 0.10% |
| Platinum Money Manager | $100,000 - $199,999 | 0.12% | 0.12% |
| Platinum Money Manager | $200,000 - $499,999 | 0.15% | 0.15% |
| Platinum Money Manager | $500,000 and more | 0.18% | 0.18% |
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 | 0.12% | 0.12% |
| Heartland Money Market | $100,000 - $149,999 | 0.15% | 0.15% |
| Heartland Money Market | $150,000 - $199,999 | 0.20% | 0.20% |
| Heartland Money Market | $200,000 and more | 0.22% | 0.22% |
Other Savings Programs
| Minimum to Earn Dividends | Rate | APY | |
|---|---|---|---|
| Membership Savings | $100 | 0.03% | 0.03% |
| Special Purpose Savings | $200 | 0.03% | 0.03% |
| Saver's Sweepstakes Savings | $25 | 0.05% | 0.05% |
| IRA/Education Savings | $100 | 0.08% | 0.08% |
| Business Checking | $10,000 | 0.03% | 0.03% |
Health Savings Account
| Minimum to Earn Dividends | Rate | APY | |
|---|---|---|---|
| Health Savings Account | $250 - $2,499 | 0.05% | 0.05% |
| Health Savings Account | $2,500 - $4,999 | 0.07% | 0.07% |
| Health Savings Account | $5,000 - $14,999 | 0.12% | 0.12% |
| Health Savings Account | $15,000 + | 0.15% | 0.15% |
View our Truth-In-Savings Disclosure
View our Saver’s Sweepstakes Truth-In-Savings Addendum