Spending and Savings

The big picture:  

A Certificate (often referred to as a CD in the banking world) is a simple, low-stress way to grow your savings. You agree to leave your money untouched for a set period of time, and in return, you earn a fixed, predictable return. Unlike accounts tied to the market, Certificates offer stability—making them a great option when you want your money to grow without risking what you’ve already saved. 

It’s never too late—or too early—to start saving. No matter your age or financial situation, every stage of life presents unique opportunities and challenges when it comes to building financial security.

Life is full of surprises, and while many of them are joyful—a last-minute getaway or a family celebration—others, like an unexpected car repair or medical bill, can be stressful and expensive. That’s when an emergency fund becomes your financial safety net, giving you peace of mind to enjoy life now while ensuring you’re prepared for the unexpected.  

The big picture:

Most “free checking” stops at the basics. Beyond Spending layers in money‑saving perks, device protection, and travel/security coverage—without giving up daily banking conveniences like Early Payday, as low $9 overdraft fees, and Digital Banking.

Debt can feel like a heavy burden, but the good news is that paying it down is a powerful step toward transforming your financial future.

Automatic savings is a simple yet powerful tool that ensures you’re consistently working toward your financial goals, whether paying down debt, preparing for emergencies, or saving for long-term dreams.

Summer is right around the corner—are you ready to make the most of it? Whether you're dreaming of a relaxing getaway, an unforgettable family road trip, or a fun-filled staycation, your Beyond Ultimate or Beyond Essential Spending account at Heartland Credit Union can help you save money along the way. Thanks to the exclusive benefits powered by BaZing, you can stretch your vacation budget further while making the most of every adventure!

Life is full of major milestones—events that shape our futures and create lasting memories. Whether it’s pursuing higher education, buying your first home, planning a dream vacation, or preparing for retirement, each milestone comes with financial considerations.

With Thanksgiving being so late this year, it may feel like the holiday shopping season has flown by. You gobbled down the turkey, rushed out for Black Friday shopping, and suddenly, it’s December! If you’re like many, you still have plenty of shopping to do, with just a short time to do it. But don’t let the holiday rush stress you out. We’ve got a few tips that may help you take control of your last-minute Christmas shopping.