Securely save for your future
By saving now, you can enjoy a comfortable retirement later. Select an Individual Retirement Plan (IRA) to help you meet your future financial needs.
Today's IRAs rates
View rates
Tax-advantaged contributions
Pick the IRA that works best for you - pay taxes on your contributions now or after receiving the distributions.
Better rates
You can earn higher dividends on IRA certificates to save even more towards your future retirement.
Guaranteed returns
With IRA certificates and savings account options your deposits are always safe not matter how the market behaves, which gives you more peace of mind for your future.
No minimum opening balance
You can open an IRA with an initial deposit of your choice so you can get started saving right away.
No fees
Focus on saving for retirement because Heartland does not charge annual fees on IRAs which means more money for your future.
Retirement Central
Our partner, Retirement Central, is the place to find information about savings limits, planning, opening IRAs, and more.
Estimate your savings
Let's see how much you could save!
Monthly Payment
Stop waiting and start saving
Heartland Credit Union is a great place to begin your retirement savings. There is no annual fee or minimum balance requirement to open an IRA at Heartland.
My advice to members: It's never too late to start! Whether that's building your credit, saving for retirement or your children's college. Just start doing it.
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1
Open an account
You can open a retirement account online or speak with one of our representatives to select the IRA type that works best for you.
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2
Make contributions
Set up automatic deposits to grow your retirement savings to prepare for your future expenses.
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3
Look to the future
Watch your account grow and once you reach the federal retirement age you can start taking distributions to pay for your expenses.
Look forward to the future with the right plan
With many retirement savings options and resources, it's a great time to start saving for retirement with Heartland Credit Union.
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Rates
IRA Rates
| Minimum Balance to Open | Rate | APY | |
|---|---|---|---|
|
IRA/Education Savings |
$ |
|
|
|
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
First-time homebuyer withdrawal option
Depending on the IRA option you choose, you could withdraw up to $10,000 penalty-free funds to help you cover expenses as a first-time homebuyer. You may be able to withdraw these funds for qualifying education or emergency needs.
Multiple plan options
We offer Traditional and Roth IRAs as well as certificates and Money Market accounts to help you have flexibility for how you save for the future.
Prior year contributions allowed
Depending on the IRA option you choose, you can make contributions to apply to the previous year to retroactively grow your funds for retirement during the term of your plan.
Open an IRA
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