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Certificate of Deposit

Steady Return. No Risk.

Choose from a variety of terms to reach your goals, including a special 9 month CD.

Standard CD

Minimum to open: $100
Terms: 6 – 60 months

APY*: 2.00% - 3.85%

IRA CD

Minimum to open: $100
Terms: 6 – 60 months

APY*: 2.00% - 3.85%

Jumbo - CD

Minimum to open: $10,000
Terms: 6 – 60 months

APY*: 2.25% - 3.85%

Jumbo - IRA CD

Minimum to open: $10,000
Terms: 6 – 60 months

APY*: 2.25% - 3.85%

Account Features

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.

  • No. Withdrawals are allowed, but they come with a penalty. Please contact us at (651) 451-5160 or (800) 813-9185 for current fees.

  • 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.

I've relied on Heartland Credit Union since 1968 and now my family does also because the people are friendly and have always accommodated our financial needs.  

Al V.

Lock in your savings

Earn a guaranteed rate without risk and maximize your savings with a Certificate of Deposit.

Certificate of Deposit Disclosures

Early withdrawal penalties do apply. Refer to your Certificate of Deposit disclosure for details.