Celebrate the season with smarter savings and stress-free spending. From high-yield certificates to holiday-friendly perks, we’ve got you covered.
What does it mean to Holiday the Heartland Way?
It means making the most of every dollar—and every moment. Whether you’re growing your savings, freeing up your budget, or simplifying your shopping, Heartland Credit Union helps you wrap up the year with confidence and cheer.
Lock in guaranteed growth.
Give yourself the gift of higher earnings. For a limited time, Heartland certificates offer:
- 9-month term: Up to 4.20% APY*
- 16-month term: Up to 4.05% APY*
Start the new year with savings that sparkle.
Open a Certificate at any HCU branch or call 800.428.8472.
*Earn up to 4.20% Annual Percentage Yield (APY) when you open a 9-month promo certificate. $500-249,999 earns 4.15% APY, $250,000 or more earns 4.20% APY. Earn up to 4.05% Annual Percentage Yield (APY) when you open a 16-month promo certificate. $500-249,999 earns 4.00% APY, $250,000 or more earns 4.05% APY. Penalty for early withdrawal may reduce earnings. Minimum $500 opening deposit, $100 for youth accounts. Rates accurate as of 12.1.2025. Other rates and terms available.
Holiday Loan
Celebrate what matters most with a Heartland Credit Union Holiday Loan. Enjoy low rates and flexible payments—so you can focus on making memories, not stressing over expenses.
As low as
9.24%APR*
*APR=Annual Percentage Rate. Membership required. Based on credit approval. Fixed-rate Signature loan assumes a credit score of 725+, HCU Beyond Ultimate or Essential Spending account with direct deposit and autopay. Minimum loan amount $500. Maximum loan amount of $2,000. For example: A $2,000 signature loan at 9.24% would require 12 monthly payments of $175.13 per month resulting in an APR of 9.24%. *Interest will accrue during the 60 days. Offer ends 12/31/25.
Make this season brighter with a Beyond Ultimate Spending account.
Earn 2.02% APY on your balance and enjoy perks that keep your holidays stress-free—like cell phone protection, trip cancellation and interruption coverage, and more.
Plus, you’ll get early payday, overdraft protection, and exclusive savings through the BaZing app. Open your account today and unwrap benefits that go beyond banking.
Skip a payment, spread the cheer
Skip your November, December, or January loan payment for just $30. More room in your budget means more room for holiday joy.
Log into HCU Digital Banking and click on Skip-a-Pay under Transfer & Pay.
Tap, pay, done
Add your Heartland cards to your mobile wallet for quick, secure checkout wherever you shop. It’s the easiest way to keep up with the holiday hustle.
Get rewarded for holiday purchases
Earn points for your holiday purchases, and extra points on gas, grocieries, and dining. And enjoy 0% APR for 12 months on balance trasnfers.
Business made better
Our Advanced Business Checking gives you the tools to manage cash flow and keep your business merry and bright.
Official Financial Wellness Partner Of Tiger Athletics
