Certificates

Earn Up to 5.00% APY

Cruise into savings with a certificate at Heartland Credit Union. For a limited time, earn 5.00% Annual Percentage Yield* on our 13-month certificate or lock in a competitive 4.75% Annual Percentage Yield** with our 24-month certificate. Whether you're saving for a short-term goal or planning for the future, our certificates will help drive your savings to new heights.

Relax and take advantage of great certificate rates without a long-term commitment or large investment. You can earn up to 5.00% APY with a minimum deposit of only $500.

Rest easy knowing your money is secure. Funds are federally insured and virtually risk-free, so you can be confident you’re earning a great rate without risking your principal.

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.

Certificate Features

Earn 5.00% APY on a 13-month certificate
Earn 4.75% APY on a 24-month certificate
$500 minimum opening deposit;
$100 for youth accounts
Offer available on new or existing funds
Funds are federally insured up to $250,000
Can be opened as a Trust account

*Limited time offer. Membership required. 5.00% Annual Percentage Yield (APY) when you open a 13-month certificate. Penalty for early withdrawal may reduce earnings. Minimum $500 opening deposit, $100 for youth accounts. Rates accurate as of July 15, 2024.

**Limited time offer. Membership required. 4.75% Annual Percentage Yield (APY) when you open a 24-month certificate. Penalty for early withdrawal may reduce earnings. Minimum $500 opening deposit, $100 for youth accounts. Rates accurate as of July 15, 2024.

Check out our other great certificate rates

See all rates

12 months earn up to

3.10

%
APY^*

36 months earn up to

4.15

%
APY^**

60 months earn up to

3.85

%
APY^{^}

30 months Add-On

3.03

%
APY^#

*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. 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.

#APY=Annual Percentage Yield. $500 minimum investment, $100 for youth accounts on 30-month certificate. Add on anytime during the entire term. $500 minimum add-on in person or over the phone, $100 youth. No minimum for add-ons done through online banking, payroll direct deposit or automatic transfer from existing accounts. Maturity date will not advance. Penalty for early withdrawal.