Certificates

Our Certificates are our highest yielding account with a choice of terms from 3 months to 60 months. If saving money or diversifying your retirement savings is your plan, our Certificates are virtually risk-free.

HCU Certificates offer the best savings rates you’ll find at Heartland.
We have a variety of Certificates to fit your needs. Terms are available from 3 months to 60 months.
A minimum investment of just $500 will open an HCU Certificate and get you on your way to saving. We have $100 minimums for youth Certificates.
Certificate Rates
12 months earn up to
3.11
%
APY
24 months earn up to
4.41
%
APY
36 months earn up to
4.15
%
APY
60 months earn up to
3.85
%
APY
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Certificate Features

  • Choice of terms, from 3 months to 60 months
  • Higher rates than a standard savings account
  • Funds are federally insured up to $250,000.
  • Minimum investment for a certificate is $500.00 ($100 for youth accounts)
  • Very low risk investment
  • Can be opened as a Trust account