Boost Your Savings

Make your savings soar with a certificate from HCU.

Earn up to 4.60% APY

Boost your savings to new heights with a certificate from HCU.  Choose our special 17-month Certificate and earn 4.30% APY, or take advantage of our 30-month Add-on Certificate and earn 4.60% APY.  Whether you're looking for a short-term investment or the flexibility to add money to your certificate, we can make your money soar!

Open a 30-month Add-on certificate and you can help your savings grow even faster! Make deposits into your certificate anytime, without extending the term.  It's a great option when you're saving for a bigger purchase or down payment.
A certificate from Heartland Credit Union is a safe and secure investment.  There is virtually no risk to your savings.  You can feel comfortable knowing you're earning a great return, without risking your principal.
Looking for a short-term investment? Our 17-month certificate provides a great return of 4.30% APY.  Whatever your investment needs are, we have the solution to get you a great return.  
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30-Month Add-On Features

  • Deposit funds anytime without extending the term
  • Low minimum opening balance of just $500 or $50 automatic deposit. $100 minimum for Youth accounts
  • No minimum for add-on deposits via online banking, direct deposit, or automatic transfer from an existing account
  • Funds are federally insured up to $250,000 by NCUA
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17-Month Certificate Features

  • Short 17-month term
  • Take advantage of this offer with new or existing funds
  • Minimum $500 to open, $100 for Youth Accounts
  • Funds are federally insured up to $250,000 by NCUA.
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Have an HCU representative contact you

Membership required.  *4.60% Annual Percentage Yield (APY) when you open a 30-month Add-on certificate.  Penalty for early withdrawal may reduce earnings.  Minimum $500 opening deposit or $50 automatic deposit, $100 for youth accounts. Add on anytime during the entire term. $500 minimum add-on in person or over the phone, $100 for youth. No minimum for add-ons done through digital banking, direct deposit, or automatic transfer from existing accounts. Maturity date will not advance.
^Limited time offer. 4.30% Annual Percentage Yield (APY) when you open a 17-month certificate.  Penalty for early withdrawal may reduce earnings. Minimum $500 opening deposit, $100 for youth accounts.  Rates accurate as of Feb. 24, 2023