Earn up to 4.30% APY*

Open a Certificate at any Heartland Credit Union branch in Hutchinson, Haven, Hays, Ness City, Newton, or Wichita, Kansas.

Call us at 800.428.8472
Image

Lock in a great rate with an HCU Certificate today

Just like a bank Certificate of Deposit, Heartland Credit Union’s Certificates offer guaranteed returns with flexible terms designed to fit your financial goals. Whether you're saving for a big purchase, planning for the future, or simply looking to make the most of your money, our Certificates help you earn more—without the risk or the guesswork.

web_traffic

Submit the form or call 800.428.8472 to get started.

Pick the right Certificate for you

      $500 - $249,999

        $250,000 and up

          *Annual Percentage Yield. Rates subject to change without notice. Earn up to 4.30% Annual Percentage Yield (APY) when you open a 48-month certificate. $500-249,999 earns 4.25% APY, $250,000 or more earns 4.30% APY. Penalty for early withdrawal may reduce earnings. Minimum $500 opening deposit, $100 for youth accounts. Rates accurate as of 6.23.2026. Other rates and terms available.

          Open a Certificate at any HCU branch, call 800.428.8472, or contact us with the form above.

          calendar_month

          Low minimum deposit

          From 3 to 60 months, we offer a variety of Certificates to match your savings goals with a minimum deposit of only $500 or $100 for youth accounts. Whether you want a short-term boost or long-term growth, we have options to help you succeed.

          shield_locked

          Federally insured

          Your deposits are federally insured up to $250,000, so you can lock in a great rate and watch your savings grow over time without risking your principal. Can be opened as a Trust account.

          label_important

          More ways to save

          Looking for even more ways to save? We have options including HCU Money Markets, Investment Shares, and IRAs. Whatever your savings goals, we have an account to provide the solution.

          Image
          Get started

          Add-on Certificate

          Don't have a lump sum ready to invest?

          An Add-on Certificate lets you open an account and keep adding to it whenever you have extra — without resetting the term or losing your rate.

          It's a good fit if you're saving toward something specific, like a car or a down payment, 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 at any HCU branch or call 800.428.8472.