Certificates

Our Certificates are our highest yielding account with a choice of terms from 3 months to 60 months. If saving money or diversifying your retirement savings is your plan, our Certificates are virtually risk-free.

HCU Certificates offer the best savings rates you’ll find at Heartland.
We have a variety of Certificates to fit your needs. Terms are available from 3 months to 60 months.
A minimum investment of just $500 will open an HCU Certificate and get you on your way to saving. We have $100 minimums for youth Certificates.
Certificate Rates
12 months earn up to
3.11
%
APY*
24 months earn up to
5.00
%
APY**
36 months earn up to
4.15
%
APY^
60 months earn up to
3.85
%
APY#
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Certificate Features

  • Choice of terms, from 3 months to 60 months
  • Higher rates than a standard savings account
  • Funds are federally insured up to $250,000.
  • Minimum investment for a certificate is $500.00 ($100 for youth accounts)
  • Very low risk investment
  • Can be opened as a Trust account

*APY=Annual Percentage Yield.  Membership Required.  12-month certificate requires a $500 minimum investment, $100 for youth accounts.  $500-$24,999 is 3.00% APY, $25,000-$99,999 is 3.05% APY, $100,000-$249,999 is 3.10% APY, $250,000+ is 3.10% APY. Penalty for early withdrawal.

**APY=Annual Percentage Yield.  Membership Required.  24-month certificate requires a $500 minimum investment, $100 for youth accounts.  $500-$24,999 is 4.30% APY, $25,000-$99,999 is 4.35% APY, $100,000-$249,999 is 4.40% APY, $250,000+ is 4.40% APY. Penalty for early withdrawal.

^APY=Annual Percentage Yield.  Membership Required.  36-month certificate requires a $500 minimum investment, $100 for youth accounts.  $500-$24,999 is 4.05% APY, $25,000-$99,999 is 4.10% APY, $100,000-$249,999 is 4.15% APY, $250,000+ is 4.15% APY. Penalty for early withdrawal.

#APY=Annual Percentage Yield.  Membership Required.  60-month certificate requires a $500 minimum investment, $100 for youth accounts.  $500-$24,999 is 3.75% APY, $25,000-$99,999 is 3.80% APY, $100,000-$249,999 is 3.85% APY, $250,000+ is 3.85% APY. Penalty for early withdrawal.