Celebrate the season with smarter savings and stress-free spending. From high-yield certificates to holiday-friendly perks, we’ve got you covered.
Find a branch near you.
What does it mean to Holiday the Heartland Way?
It means making the most of every dollar—and every moment. Whether you’re growing your savings, freeing up your budget, or simplifying your shopping, Heartland Credit Union helps you wrap up the year with confidence and cheer.
Certificates
Lock in guaranteed growth
Give yourself the gift of higher earnings. For a limited time, Heartland certificates offer:
- 11-month term: Up to 4.05% APY*
- 21-month term: Up to 4.30% APY*
Start the new year with savings that sparkle.
Or visit any HCU branch or call 800.428.8472.
*Annual Percentage Yield. Rates subject to change without notice. Earn up to 4.05% Annual Percentage Yield (APY) when you open an 11-month certificate. $500-249,999 earns 4.00% APY, $250,000 or more earns 4.05% APY. Earn up to 4.30% Annual Percentage Yield (APY) when you open a 21-month certificate. $500-249,999 earns 4.25% APY, $250,000 or more earns 4.30% APY. Penalty for early withdrawal may reduce earnings. Minimum $500 opening deposit, $100 for youth accounts. Rates accurate as of 10.29.2026. Other rates and terms available.
Ultimate Holiday Bundle
Spending perks to get you through the season, and a money market to keep what’s left growing.
Make this season brighter with a Beyond Ultimate Spending account. Get cell phone protection, trip cancellation and interruption coverage, early payday, and exclusive BaZing savings. Then add the new Ultimate Money Market, available exclusively to Beyond Ultimate members, and earn tiered dividends on what you set aside. Open yours today and unwrap benefits that go beyond banking.
Skip a payment, spread the cheer
Skip your November, December, or January loan payment for just $30. More room in your budget means more room for holiday joy.
Log into HCU Digital Banking and click on Skip-a-Pay under Transfer & Pay.
Get rewarded for holiday purchases
Earn points for your holiday purchases, and extra points on gas, grocieries, and dining. And enjoy 0% APR for 12 months on balance transfers.
Holiday Signature loan as low as 9.99%APR**
Enjoy low rates on Signature loans up to $2,000 for 12 months—so you can focus on making memories, not stressing over expenses.
**APR=Annual Percentage Rate. Membership required. Based on credit approval. Fixed-rate Signature loan assumes a credit score of 725+. Minimum loan amount $500. Maximum loan amount of $2,000. For example: A $2,000 signature loan at 9.99% would require 12 monthly payments of $175.82 per month resulting in an APR of 9.99%. Offer ends 12/31/26.
Official Financial Wellness Partner Of Tiger Athletics
