Certificates

Looking for a safe and reliable way to grow your savings? 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.

From 3 to 60 months, we offer a variety of Certificates to match your savings goals with a minimum deposit of only $500. 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.

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.

Find the Right Certificate for You

$500 - $249,999

MATURITY		APY*
3 months	—	0.15%
6 months	—	4.25%
12 months	—	3.00%
24 months	—	3.75%
36 months	—	3.90%
48 months	—	3.90%
60 months	—	4.25%

$250,000 and up

MATURITY		APY*
3 months	—	0.20%
6 months	—	4.30%
12 months	—	3.05%
24 months	—	3.80%
36 months	—	3.95%
48 months	—	3.95%
60 months	—	4.30%

Certificate Features

$500 minimum opening deposit;
$100 for youth accounts
Rates available on new or existing funds
Funds are federally insured up to $250,000
Can be opened as a Trust account

Have an HCU representative contact you about our certificates

Open a certificate at any Heartland Credit Union branch in Hutchinson, Haven, Hays, Ness City, Newton, or Wichita, Kansas or call us at 800.428.8472.

*APY = Annual Percentage Yield; rates subject to change, fees may reduce earnings. $500 minimum to open, $100 for youth. The APY is based on an assumption that interest will remain in the account until maturity. Early withdrawal penalties may apply.