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Automatic Savings Account

Make saving automatic

Open an Automatic Savings Account to earn more by doing less.

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  • Overview

    Ensure you save

    With an Automatic Savings Account, you decide how much you want to save each month, and we take care of the rest.  We’ll transfer your money automatically via direct deposit, ACH or automatic transfer between your Heartland accounts. Plus, we’ll pay you a higher rate just for saving automatically. Talk about a win-win.

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

    Higher monthly dividends

    Save more by doing less.

     

    No monthly fees

    Focus on saving.

    Low $10 to open

    Getting started is easy.

    Minimum automatic deposit of $10 per month

    Adjust the amount at any time.

    One free withdrawal per month*

    Help build your savings balance.

    Additional deposits

    Make additional deposits at anytime.

  • Rates
    Rates Effective as of: 12-21-2024
    Basic Savings AccountsDividenedAPY*
    Primary Share Savings ($5 min. to open)0.05%0.05%
    Youth Savings ($5 min. to open)0.05%0.05%
    Business Savings ($5 min. to open)0.05%0.05%
    Secondary Savings Accounts ($5 min. to open)0.05%0.05%
    Automatic Savings ($10 min. to open)2.82%2.85%

    *APY is annual percentage yield. Rates quoted are in effect 12/1/2024 and are subject to change. If interest is paid to another account, APY may vary. 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.
    Automatic Savings Account – Minimum automatic deposit of $10 per month is required. Additional deposits allowed anytime. Refer to the fee schedule for account details.
    +Anticipated dividend (interest)

  • FAQs

    • You must set up a minimum monthly deposit of $10 via an automatic method. Automatic methods include: Direct Deposit, Payroll Deduction, ACH or Automatic Transfer between your Heartland Accounts.

    • Yes. You can make additional deposits at anytime.

    • Yes. The Automatic Savings is set up to help you stick to your savings goals so you are allowed one free withdrawal per month. Additional withdrawals will incur a fee. View current Personal Account fees.

    • We serve 10 Minnesota Counties: Anoka, Carver, Chisago, Dakota, Scott, Rice, Le Sueur, Hennepin, Ramsey and Washington. In addition, we serve the employees and retirees from a variety of businesses. Plus, if you’re related to a Heartland member you can join. Learn More to see if you’re eligible.

    • No.

I just wanted to thank the security department and the customer service department for watching out for me and my accounts. I am sorry it took so long for me to send this thank you! You all are the best. I did travel outside my regular area of shopping that week and you all picked up on it and I purchased more than usual.(It was time to buy supplies) I appreciate your vigilance

Barbara
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Automatic Savings Account Disclosures

*View Fee Schedule for withdrawal restrictions.