Add-on Certificate

We know you might not always have a lot of extra money laying around, but you still want to earn great rates. An Add-on Certificate is perfect. It allows you to add money to the account, when you have a little extra, while still paying some of our best rates.  The short term also makes it great for saving for a special purchase like a new car or even a down payment on a home.

HCU Add-on Certificates offer some of the best savings rates you’ll find at Heartland.
Once you open your Add-on Certificate, you can deposit funds at any time. Because we know you don’t always have a lot of extra money laying around.  We’re here when you do.
A minimum investment of just $500 will open an HCU Add-on Certificate and get you on your way to saving. We have $100 minimums for youth Certificates.

Add-on Certificate Features

  • 30-month term
  • Add-on anytime without extending the term
  • Minimum opening balance is $500 or $50 automatic deposit. $100 minimum for youth accounts
  • No minimum for add-on deposits done via online banking, payroll direct deposit or automatic transfer from existing account
  • Funds are federally insured up to $250,000 by NCUA
  • Can be opened as a Trust account