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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.
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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.
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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.
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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](http://cdn.hcu.coop/images/2024/07/10/cruisin-full-car.webp)
![Image](http://cdn.hcu.coop/images/2024/07/10/cert-rates.webp)
![Image](http://cdn.hcu.coop/images/2024/07/10/cruise-in.webp)
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.
APY*
APY**
APY^
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.