High Yield Savings

Earn better rates than a traditional savings account, and rates keep growing as your savings grow.

Open a Money Market account
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An HCU Money Market pays our best rates on larger balances

Earn our best savings account rates with an HCU Money Market. Plus, our tiered rates help you save even faster. And, you still have access to your money, when you need it.

Money Market Rates
see all rates
$10,000 - $24,999 earn
0.05
%
APY*
$25,000 - $49,999 earn
1.00
%
APY*
$50,000 - $99,999 earn
1.10
%
APY*
$100,000 - $249,999 earn
1.50
%
APY*
$250,000-$499,999 earn
2.00
%
APY*
$500,000 - $999,999 earn
2.50
%
APY*
$1,000,000 & higher earn
3.00
%
APY*

Rates subject to change daily.

Open a Money Market account online today

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No time commitment. Access your funds when needed, with up to 6 withdrawals per month, including checks.

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Accounts are tiered so you earn a higher dividend on larger balances. Minimum balance of $10,000 required to earn dividends.

account_balance

Your funds on deposit are federally insured by NCUA up to $250,000. Can be opened as a Trust account.

lock_clockLooking to lock in a great rate for a fixed term?

A Certificate share from Heartland Credit Union is a safe and reliable way to grow your savings.

lock_clockLooking to lock in a great rate for a fixed term?

A Certificate share from Heartland Credit Union is a safe and reliable way to grow your savings.

*APY=Annual Percentage Yield.  Membership Required.  No minimum deposit to open an account. $10,000-$24,999 is 0.05% APY, $25,000-$49,999 is 1.00% APY, $50,000-$99,999 is 1.10% APY, $100,000-$249,999 is 1.50% APY, $250,000-$499,999 is 2.00% APY, $500,000-$999,999 is 2.50% APY, $1,000,000 is 3.00% APY.  APY current as of 7.25.25.