Earn dividends on your savings and achieve financial goals
With higher dividend rates, flexible terms, and add-on options, you could grow your savings faster with a certificate at Heartland.
Today's Certificates rates
View rates14 Month Special
As high as22 Month Special
As high as
Flexible terms
You can select a certificate for terms ranging from 3 months to 5 years.
Earn higher dividends
Earn higher dividends on a certificate than other savings account options. You'll earn more in a shorter amount of time.
Flexible dividend maturity options
You have options on how to receive the dividends from your certificate. You can have a check mailed directly to you or have them deposited back into your certificate or another account.
Deposit IRA funds
IRA certificates are a smart and safe way to grow your retirement savings.
Add-on certificates available
Most certificate options do not allow for more deposits once the savings term starts but Heartland offers an add-on certificate option that allows you to add funds to your balance as it grows.
Low minimum balance requirements
Open a Heartland certificate with as little as $500 and start earning more on your balance right away.
Estimate your earnings
Let's see how much you can earn.
Final Balance
Contributions: | Earnings:Choose how long to grow your funds
You may have a short-term financial goal that you want to save for, or perhaps you want to grow your money for an extended period. With certificate terms between 3 months or 5 years, choose a term that helps meet your goals on your timeline.
I've belonged to credit unions for many years. Joining Heartland was quick and easy. I look forward to HCU meeting my needs here in Wisconsin.
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1
Open a certificate
Compare certificate options and select the term you desire.
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2
Make initial deposit
Deposit funds to open the certificate.
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3
Earn dividends
Dividends will be creadited to your account or mailed to your quarterly, based on your selection.
Earn more for your future
With competitive rates, flexible terms, and multiple options to receive or save dividends, a certificate from Heartland can help you earn more in a shorter amount of time.
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Rates
Certificates: Regular / IRA / Education
| Minimum Balance to Open | Rate | APY | |
|---|---|---|---|
|
3 month |
$ |
|
|
|
6 month |
$ |
|
|
|
12 month |
$ |
|
|
|
12 month add-on |
$ |
|
|
|
14 month special |
$ |
|
|
|
18 month |
$ |
|
|
|
22 month special |
$ |
|
|
|
24 month |
$ |
|
|
|
30 month |
$ |
|
|
|
36 month |
$ |
|
|
|
48 month |
$ |
|
|
|
60 month |
$ |
|
|
Rates effective as of: February 20, 2025
All features
Dividends compound quarterly
Every quarter during your certificate's term, your dividends will compound, meaning you can earn even more than other savings options.
Automatic renewal options
You can set your certificate to automatically renew for another term so it can continue to grow.
10-day grace period
You have time once your certificate reaches the end of its term to decide how you want to use your funds or if you want to renew the term.
Open a Certificate Account
Are you a member?
Yes, I’m already a Heartland member
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