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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Learn more about Beyond Ultimate

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.

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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

luggage

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

smartphone

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

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.