Spending and Savings

Switching to eStatements is one of those small changes that just makes life a little easier.

Paper statements have a way of disappearing into a pile somewhere — the counter, the junk drawer, that folder you keep meaning to organize. Sound familiar? eStatements skip all of that. Your statement shows up in Digital Banking, it's organized automatically, and it's there whenever you need it.

Here's what you actually get when you make the switch.

You'll get your statement three days early

No waiting on the mail. No wondering if it got lost in transit. With eStatements, your statement is ready in Digital Banking up to three days before paper statements arrive in mailboxes. It's a small thing, but it's kind of nice.

Two full years of history, right at your fingertips

Ever needed to look something up from a year ago and had no idea where that statement ended up? With eStatements, you've got two years of statements stored right in Digital Banking, organized and ready to pull up whenever you need them. No digging required.

It's more secure than paper

Unlike a paper statement that could get lost, stolen, or land in the wrong mailbox, eStatements are protected by your login, and are visible only to you.

Less paper, less clutter

No envelopes to shred. No filing. No recycling bin full of financial documents. Going paperless means your records stay organized without you having to do anything, and it's a nice little win for the environment, too.

HCU Spending account? You'll save $36 a year. Just like that.

If you have an HCU Spending account and you're still getting paper statements, you're paying $3 a month for them. Switch to eStatements, and that fee disappears. $36 back in your pocket every year, for a change that takes about two minutes to make.

Ready to switch? It's quick.

Log in to Digital Banking and follow the steps for however you're signed in:

• In the mobile app: Tap the More icon → Accounts → eDocuments → Settings → Subscribe.
• In a web browser: Go to Accounts → eDocuments → Subscribe.

That's it, you're signed up. If you run into anything or want a hand, just stop by any branch or give us a call. We're happy to help.

It's the Heartland Way.

Heartland Credit UnionIt's The Heartland Way

The big picture:  

A Certificate (often referred to as a CD in the banking world) is a simple, low-stress way to grow your savings. You agree to leave your money untouched for a set period of time, and in return, you earn a fixed, predictable return. Unlike accounts tied to the market, Certificates offer stability—making them a great option when you want your money to grow without risking what you’ve already saved. 

It’s never too late—or too early—to start saving. No matter your age or financial situation, every stage of life presents unique opportunities and challenges when it comes to building financial security.

The big picture: 

If you’re enrolled in a high-deductible health plan (HDHP), a Health Savings Account (HSA) can help you manage health care costs today while planning ahead for tomorrow. An HSA lets you set aside pre-tax dollars for qualified medical expenses—giving you more control and flexibility over how you pay for care. 

The big picture:

Most “free checking” stops at the basics. Beyond Spending layers in money‑saving perks, device protection, and travel/security coverage—without giving up daily banking conveniences like Early Payday, as low $9 overdraft fees, and Digital Banking.

Debt can feel like a heavy burden, but the good news is that paying it down is a powerful step toward transforming your financial future.

The big picture:

Saving for retirement is one of the most important financial steps you can take. An Individual Retirement Account (IRA) gives you a simple and tax‑advantaged way to grow your long‑term savings and strengthen your financial future.

Why it matters:

Life moves fast, and it can be easy to put retirement on the back burner. An IRA helps you stay on track by giving you a structured way to save while also offering potential tax advantages. Consult your tax advisor for guidance on your specific circumstances. Whether you are planning for your first years after work or looking to maximize your savings, an IRA keeps your progress moving forward.

The details:

Opening an IRA at Heartland Credit Union gives you access to tools that help you stay confident about your retirement plans.

• Traditional and Roth options: Choose the account type that fits your goals and tax strategy
• Earn more over time: Competitive dividends that help your savings grow
• Flexible terms: Choose the IRA that fits your timeline and contribution style
• Easy access: View and manage your IRA anytime through HCU Digital Banking
• Stay on track: Contributions may be tax deductible depending on your income and IRA type

For 2026, the annual contribution limit for IRAs is:

• $7,500 per year
• $8,600 per year for members age 50 or older through catch‑up contributions

Traditional IRAs may offer tax deductible contributions. Roth IRAs provide tax-free withdrawals in retirement for qualified distributions.

The bottom line:

An IRA at Heartland Credit Union gives you a simple and reliable way to invest in your future. With competitive returns, flexible options, and the potential for tax advantages, it is a smart step toward long‑term financial confidence.

Ready to get started? Learn more about IRAs or open your account today.

Heartland Credit UnionIt's The Heartland Way

Summer is right around the corner—are you ready to make the most of it? Whether you're dreaming of a relaxing getaway, an unforgettable family road trip, or a fun-filled staycation, your Beyond Ultimate or Beyond Essential Spending account at Heartland Credit Union can help you save money along the way. Thanks to the exclusive benefits powered by BaZing, you can stretch your vacation budget further while making the most of every adventure!

Life is full of major milestones—events that shape our futures and create lasting memories. Whether it’s pursuing higher education, buying your first home, planning a dream vacation, or preparing for retirement, each milestone comes with financial considerations.