Business Certificates
Put your extra cash to work
A Heartland Certificate locks in a guaranteed return on money your business isn't using today. And now you can open and manage one without leaving your desk.
Why a business owner should care
Every business carries some cash it doesn't need tomorrow. Tax reserves. A payroll cushion. Proceeds sitting between projects. Left in a low-rate account, that money is doing nothing. A Certificate gives it a guaranteed return for a fixed term, with the same federal insurance protection as any other deposit account.
It's not a complicated product. You pick a term, you pick an amount, and you know exactly what you'll earn — no market risk, no surprises.
New
Manage it all in Digital Business Banking
Business owners don't have time to wait in a branch line or play phone tag to move money into savings. Now you don't have to. Open a business Certificate directly inside Digital Business Banking, fund it, and track it alongside your checking and savings, all in one place, on your schedule.
If you're not a business member yet, contact us to get started.
Business Certificate features
Terms from 3 to 60 months
Match the certificate to when you'll actually need the cash back.
$500 minimum opening deposit
A straightforward starting point for putting extra cash to work.
Federally insured
Insured up to $250,000 by NCUA.
Current Certificate rates
Rates vary by term and balance. View current rates before opening or renewing.
$500 - $249,999
$250,000 and up
*Annual Percentage Yield. Rates subject to change without notice. Penalty for early withdrawal may reduce earnings. Minimum $500 opening deposit, $100 for youth accounts. Rates accurate as of 9.1.2026. Other rates and terms available.
Add-on Certificate
Don't have a lump sum ready to invest?
An Add-on Certificate lets your business open an account and keep adding to it whenever you have extra cash — without resetting the term or losing your rate.
It's a good fit if you're setting money aside for something specific, like equipment or a tax reserve, and want to build toward it over time while still earning a competitive rate.
Add-on Certificate features:
- 30-month term
- Add funds anytime without extending the term
- $500 minimum opening deposit ($50 with automatic deposit; $100 for youth accounts)
- No minimum for add-ons made via online banking, payroll direct deposit, or automatic transfer
- Federally insured up to $250,000 by NCUA
- Can be opened as a Trust account
Open an Add-on Certificate inside Digital Banking.
Frequent questions
Yes. Business Certificates can be opened and managed directly in Digital Business Banking, in addition to any HCU branch location.
Certificates require a minimum opening deposit of $500; $100 for youth accounts.
Ready to put your business cash to work?
Open a Certificate in Digital Business Banking, or give us a call at 800.428.8472.
