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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$5000.08%0.08%
6 Month$5000.10%0.10%
12 Month$5000.15%0.15%
12 Month Add-On$2500.10%0.10%
18 Month$5000.20%0.20%
24 Month$5000.25%0.25%
30 Month$5000.28%0.28%
36 Month$5000.30%0.30%
48 Month$5000.40%0.40%
60 Month$5000.45%0.45%

Platinum Money Manager

 Minimum to Earn DividendsRateAPY
Platinum Money Manager$0.00 to $24,9990.06%0.06%
Platinum Money Manager$25,000 - $49,9990.08%0.08%
Platinum Money Manager$50,000 - $99,9990.10%0.10%
Platinum Money Manager$100,000 - $199,9990.12%0.12%
Platinum Money Manager$200,000 - $499,9990.15%0.15%
Platinum Money Manager$500,000 and more0.18%0.18%

Heartland Money Market

 Minimum to Earn DividendsRateAPY
Heartland Money Market$0.00 to $49,9990.00%0.00%
Heartland Money Market$50,000 - $99,9990.12%0.12%
Heartland Money Market$100,000 - $149,9990.15%0.15%
Heartland Money Market$150,000 - $199,9990.20%0.20%
Heartland Money Market$200,000 and more0.22%0.22%

Interest Rates Certified by Datatrac

Other Savings Programs

 Minimum to Earn DividendsRateAPY
Membership Savings$1000.03%0.03%
Special Purpose Savings$2000.03%0.03%
Saver's Sweepstakes Savings$250.05%0.05%
IRA/Education Savings$1000.08%0.08%
Business Checking$10,0000.03%0.03%

Health Savings Account

 Minimum to Earn DividendsRateAPY
Health Savings Account$250 - $2,4990.05%0.05%
Health Savings Account$2,500 - $4,9990.07%0.07%
Health Savings Account$5,000 - $14,9990.12%0.12%
Health Savings Account$15,000 +0.15%0.15%
Open an HSA

View our Truth-In-Savings Disclosure

View our Saver’s Sweepstakes Truth-In-Savings Addendum

Rates can change without notice. Fees may reduce earnings. 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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