A safe, reliable way to grow your savings.
Just like a bank Certificate of deposit, Heartland Credit Union’s Certificates offer guaranteed returns with flexible terms 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.
Find the right Certificate for you
$500 - $249,999
$250,000 and up
Open a Certificate at any HCU branch or call 800.428.8472.
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.
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.
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.
Have an HCU representative contact you about our Certificates.
Need more flexible access to your savings?
An HCU Money Market pays our best rates on accounts with larger balances. Plus, you can still access your money when you need it.
Need more flexible access to your savings?
An HCU Money Market pays our best rates on accounts with larger balances. Plus, you can still access your money when you need it.
*Earn up to 4.30% Annual Percentage Yield (APY) when you open a 6 or 60-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 5.1.2025. Other rates and terms available.
