Add-on Certificate from Heartland Credit Union


An Add-on Certificate is 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.

Call 620.669.0177 or stop by your nearest branch to open your certificate.

Start building your nest egg today!


  • Click here for current rates
  • A penalty will be imposed for withdrawals before maturity. The penalty we may impose will equal twelve months dividends on the amount withdrawn subject to penalty.
  • Dividends are automatically reinvested (unless otherwise requested)
  • Minimum to open an Add-on certificate is $500 or $50 automatic deposit. $100 minimum for youth accounts
  • No minimum for add-on deposits done via online banking, payroll direct deposit or automatic transfer from existing accounts
  • Funds are federally insured up to $250,000 by NCUA