Ultimate Money Market

Where the rest of your money can work

The Ultimate Money Market pays higher dividends as your balance grows. Available exclusively to Beyond Ultimate Spending account members.

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Your Spending account moves your money. This is where the rest of it works.

If you already keep your everyday money with Heartland, the Ultimate Money Market gives your savings a home right next to it. Your dividend rises with your balance, and you don’t need to meet any requirements beyond having a Beyond Ultimate Spending account. Plus, there's no minimum deposit required and no withdrawal fees.

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Ultimate Money Market Rates

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$10,000 - $24,999 earn

0.05

%
APY^*

$25,000 - $49,999 earn

2.50

%
APY^*

$50,000 - $99,999 earn

2.50

%
APY^*

$100,000 - $249,999 earn

3.00

%
APY^*

$250,000-$499,999 earn

3.25

%
APY^*

$500,000 - $999,999 earn

3.50

%
APY^*

$1,000,000 & higher earn

3.75

%
APY^*

Rates subject to change daily.

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Already a Beyond Ultimate member

Sign in to Digital Banking to open, or stop by any branch and we’ll set it up with you.

Log in to Digital Banking

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New to Heartland

Join the credit union and open a Beyond Ultimate Spending account, then open the money market. Find your nearest branch in Hutchinson, Wichita, Hays, or across Western Kansas.

Become a member

Beyond Ultimate Spending

The account that makes it possible

Beyond Ultimate Spending is where your everyday money lives, and it comes with more than a place to keep it:

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Dividends on your balance

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Trip cancellation and interruption coverage when you pay for travel with your account, with no enrollment

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Cell phone protection when you pay your monthly bill from the account

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ID theft aid and free 24/7 roadside assistance

payments

Paychecks up to two days early with direct deposit, plus access to more than 30,000 free ATMs

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Not a Beyond Ultimate Member?

A Money Market for every member

Our standard Money Market pays tiered dividends that grow with your balance, with no time commitment. Open one with any Heartland membership.

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Flexible access
No time commitment and no minimum balance required.

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Earn more on larger balances

Minimum balance of $10,000 required to earn dividends.

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Backed by NCUA protection

Federally insured up to $250,000. Can also be opened as a Trust account.

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Check current rates

Dividends are tiered, so your rate rises as your balance grows. See today’s Money Market rates and disclosures.

See current rates

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Want to earn our highest rates?

The Ultimate Money Market pays our best rates and is open to members with a Beyond Ultimate Spending account.

Learn about Beyond Ultimate

Frequently asked questions

Any member with a Beyond Ultimate Spending account. There are no other qualifications.

*Membership and a Beyond Ultimate Spending account required. APY = Annual Percentage Yield. APY of 0.00% on balances from $0 to $9,999, 0.05% on balances from $10,000 to $24,999, 2.50% on balances from $25,000 to $99,999, 3.00% on balances from $100,000 to $249,999, 3.25% on balances from $250,000 to $499,999, 3.50% on balances from $500,000 to $999,999, and 3.75% on balances of $1,000,000 and above for the current dividend period. Rates effective as of 11/01/2026 and subject to change without notice.