Add-on Certificate from Heartland Credit Union

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An Add-on Certificate from Heartland Credit Union is the flexible way to reach your savings goals. It’s the certificate that lets you make deposits like a savings account.  It’s the perfect solution to help save for your next car, a down payment on a home, or to simply start a nest egg for the future. 

Instead of tying up a lump sum when you open your 30-month Add-on Certificate, you can add money to the account anytime you want, for any amount you want.  You can even set up your deposits through payroll direct deposit or an automatic transfer from an existing account. Of course, you can always come into a local branch and make a deposit.*
*$500 minimum deposit when made in-branch or over the phone. ($100 for youth accounts) Membership required. Fixed *Annual Percentage Yield (APY), $500 minimum investment, $100 for youth accounts on 30-month certificate. Add on anytime during the entire term. $500 minimum add-on in person or over the phone, $100 youth. No minimum for add-ons done through online banking, payroll direct deposit or automatic transfer from existing accounts. Non-youth accounts must have HCU checking with payroll direct deposit.  Maturity date will not advance. Penalty for early withdrawal.  Rates accurate as of x/x/xx.