Menu
Upcoming maintenance on August 20th. Online Banking will be unavailable Sunday, August 20th, from 5:00-10:00 am CDT.

Need Help?  
Online Banking Setup  


Heartland Credit Union Certificates

Features
Details

With a Certificate from Heartland Credit Union, you receive a higher interest rate than a traditional savings account and the funds are virtually risk free. Whether your goal is to save money for an upcoming purchase, boost or diversify your retirement savings, or move money from another investment.
  • Choice of terms, from 3 months to 60 months.
  • Funds are federally insured up to $250,000.
  • Minimum investment for a certificate is $500.00 ($100 for youth accounts)
  • Very low risk investment

For a limited time, take advantage of a 29-month or 61-month bump certificate.  A bump certificate allows you to "bump" your rate once to take advantage of a rate that may have increased.

Check to see what your bump certificate rate would be by clicking here and scrolling down.

  • Click here for current rates
  • Early withdrawal penalties
    • If your certificate has an original maturity of one year or less: The penalty we may impose will equal three months dividends on the amount withdrawn subject to penalty.
    • If your certificate has an original maturity of more than one year but not more than five: The penalty we may impose will equal six months dividends on the amount withdrawn subject to penalty.
    • If your certificate has an original maturity of more than five years, unless otherwise disclosed: The penalty we may impose will equal 24 months dividends on the amount withdrawn subject to penalty.
    • 10-Year certificate, 3 year penalty for early withdrawal, and no penalty up to 10% in years 8, 9 & 10, and 3 year penalty on the amount over 10%.
  • Dividends are automatically reinvested (unless otherwise requested)