Select your term
Choose from six months to five years, based on your needs and goals.
No monthly maintenance fees
Keep the focus on saving.
Low minimum deposit
With as little as $100, you can open a Heartland Certificate of Deposit.
Bump up your rate
If Heartland rates rise during the term of your CD, you can request a one-time increase to the higher rate. Simply call or visit a branch and add $1,000 to your CD to give your savings a boost.
Save for retirement
Certificates are also available as IRAs.
Your money is insured
Deposits are insured by NCUA to $250,000 and an additional $250,000 through the Excess Share Insurance Corp (ESI).
Frequently Asked Questions
CD accounts offer terms, from six months to five years and your rate is fixed for the term of the certificate. The longer the term the higher the rate.
The Marketwatcher option allows you to increase your rate during the term one time to the current Heartland rate (not another financials rate) by notifying us and adding $1,000 to your certificate. Your maturity date will remain the same and you will earn the higher rate for the remaining certificate term. The Marketwatcher option is not available on CD specials or promotions.
Dividends will be compounded and credited to your account every quarter and at maturity. Alternatively, you may choose to have dividends paid to you or to another account quarterly and at maturity rather than credited to this account.