Savings you can count on

Heartland Credit Union Spending and Savings 23 February 2026

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.

Certificates are helpful for short- and long-term goals alike, whether you’re saving for a future purchase, building an emergency cushion, or looking for a dependable place to park extra cash.

Why it matters:

In a world where interest rates and markets can change quickly, Certificates offer something many savers value: certainty.

With a Certificate, you get:

Predictable growth: Your earnings are set from the start, so you always know what to expect.
No market risk: Your principal stays protected while your savings grow steadily.
Built-in discipline: A fixed term helps you stay committed to your savings goal instead of dipping into it early.

For anyone who wants to earn more than a standard savings account—without taking on added risk—Certificates are one of the most reliable tools available.

The HCU difference:

Heartland Credit Union takes the traditional benefits of Certificates and adds flexibility, accessibility, and member-focused features:

✔ Competitive earnings
HCU Certificates offer strong, competitive returns, helping members grow their savings faster than with standard savings options.

✔ Low minimums to get started
Open a Certificate with as little as $500—or just $100 for youth Certificates—making it easy for members at any stage of their financial journey to participate.

✔ Flexible terms for real-life goals
Choose from terms ranging from 3 to 60 months, so your savings timeline can match what you’re working toward—whether that’s something soon or further down the road.

✔ Guaranteed returns with built-in protection
Your rate is locked in for the full term, and your deposits are federally insured up to $250,000, giving you peace of mind as your money grows.

The bottom line:

Certificates are a smart choice for anyone looking for steady growth without uncertainty. When you choose a Certificate at Heartland Credit Union, you get all the core benefits of a Certificate—plus flexible terms, low minimums, and the confidence that comes from a member-owned financial institution focused on your success.

When you’re ready to put your savings to work, you can open a Certificate at any HCU branch or call us at 800.428.8472.