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Money Market

Money Market

The more you save, the more you earn.

  • Overview

    Make the most of your money

    If you’re ready to get serious about saving, but also want the flexibility to withdraw funds if needed, the Money Market is for you.

    Insured by NCUA to $250,000 and an additional $250,000 through the Excess Share Insurance Corp (ESI).

    Earn more with unlimited deposits

    We believe in the importance of saving, so make as many deposits as you want.

    No monthly maintenance fee*

    Open with a minimum of $2,500 and maintain that balance to avoid a monthly fee.

    Free withdrawals

    A money market account remains liquid, allowing you to withdraw from it if you need a little extra cash.


  • Rates
    Rates Effective as of: 06-17-2024
    Money Market/Business Money MarketDividend APY*
    Up to $2,499.99+0.10% 0.10%
    $2,500 – $9,999.990.10% 0.10%
    $10,000 – $24,999.990.20%0.20%
    $25,000 – $49,999.990.30%0.30%
    $50,000 – $74,999.990.40%0.40%
    $75,000 – $99,999.990.40%0.40%
    $100,000 +0.50%0.50%

    *APY is annual percentage yield. Rates quoted are in effect 6/1/2024 and are subject to change. If interest is paid to another account, APY may vary.

    Minimum $2,500 to open

    +Balances under $2,500 will incur a fee. Refer to fee schedule.

    Dividends are compounded and paid monthly.
    Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.

  • FAQs
    • Yes. You must maintain a minimum balance of $2,500 to avoid a fee.

    • Money Markets are tiered by dollar amounts – the more you save, the more you earn.

    • Yes. You can withdraw without any penalty or fee.

    • No. With a Money Market account, your funds are as secure as they are with any other type of savings account. In fact, they are federally insured to at least $250,000 by the National Credit Union Administration and an additional $250,000 through the Excess Share Insurance Corp (ESI). Money Market accounts have nothing to do with the stock market.

    • A Money Market account is a great place to park emergency or vacation funds, save for starting a new family, supplement retirement savings, or save for major purchases.

Thank you for everything that you do. I appreciate how Heartland can make everything so convenient for everyone whether it has to do with online/mobile banking or corresponding by other means. Heartland does a great job. Keep up the good work!  


Built for life on the go

Mange your money anytime, anywhere with Heartland Free Mobile Banking.

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Money Market Disclosures

*View Fee Schedule for details.