Earn up to 4.30% APY*
A smarter way to save
Choose your term, fund your Certificate, and start earning competitive rates directly through Digital Banking.
Open a Certificate in minutes
Opening or renewing a Certificate doesn't require a phone call or trip to a branch. You can open and renew eligible Certificates directly through Digital Banking in just a few minutes.
Save your savings from yourself.
Let's be honest. Sometimes the hardest part about saving money isn't saving it. It's not spending it.
A Certificate helps you intentionally set money aside while earning a competitive rate, making it easier to stay focused on your goals.
Whether you're saving for a home, a vehicle, an emergency fund, a trip, or simply your future, a Certificate can help keep your savings working for you instead of disappearing into everyday spending.
Put your savings on 'do not disturb.'
Lock in a competitive rate and let your money focus on what matters most.
A simple way to grow your savings
A Certificate is one of the easiest ways to earn more on money you don't need right away. With fixed terms and guaranteed returns, you'll know exactly what your savings is working toward.
Competitive rates
Earn more with rates designed to help your savings grow over time.
Guaranteed returns
Know exactly what your money will earn throughout your selected term.
Federally insured
Your deposits are federally insured by NCUA up to applicable limits.
Certificate options for every goal
Whether you're looking for a short-term savings boost or a long-term strategy, Heartland offers a variety of Certificate terms to fit your needs.
$500 - $249,999
$250,000 and up
*Annual Percentage Yield. Rates subject to change without notice. Penalty for early withdrawal may reduce earnings. Minimum $500 opening deposit, $100 for youth accounts. Rates accurate as of 9.1.2026. Other rates and terms available.
Add-on Certificate
Don't have a lump sum ready to invest?
An Add-on Certificate lets you open an account and keep adding to it whenever you have extra — without resetting the term or losing your rate.
It's a good fit if you're saving toward something specific, like a car or a down payment, and want to build toward it over time while still earning a competitive rate.
Add-on Certificate features:
- 30-month term
- Add funds anytime without extending the term
- $500 minimum opening deposit ($50 with automatic deposit; $100 for youth accounts)
- No minimum for add-ons made via online banking, payroll direct deposit, or automatic transfer
- Federally insured up to $250,000 by NCUA
- Can be opened as a Trust account
Open an Add-on Certificate inside Digital Banking.
Frequent questions
Yes. You can open eligible Certificates directly through Digital Banking in just a few minutes.
Most Certificates require a minimum opening deposit of $500; $100 for youth accounts.
Ready to put your savings to work?
Open a Heartland Certificate directly through Digital Banking.
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