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Share Savings Accounts

It all starts with a Share Savings Account

Become an owner of Heartland and start saving

  • Overview

    Save with someone you can trust

    Unlike other financials, credit unions are financial co-ops which means you have ownership in the credit union when you open your Share Savings Account. Plus, we offer a Secondary Savings account to help you set aside money for a specific saving goal.

    Low $5 to open and maintain

    Getting started is easy.

    No monthly maintenance fees

    Focus on saving.

    Monthly dividends


    Safe and Secure

    You can rest easy knowing that your deposits are federally insured by NCUA to $250,000 and an additional $250,000 through the Excess Share Insurance Corp (ESI).

    Two Options

    Primary (Share) Savings Account

    When you open a Primary Share Savings Account, you’re joining the Heartland family. With just $5, you purchase your share of the credit union and gain access to all the benefits we offer.

    Open Account Online

    Secondary Savings Account

    If you’re saving for something specific such as taxes, vacation or college, open a Secondary Savings Account to make sure you reach your goal. Never forget what you’re saving for with custom account names like “Tommy’s Braces” or “Week in Paradise.”

    Open Account Online

  • Rates
    Rates Effective as of: 05-23-2024
    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)2.97%3.00%

    *APY is annual percentage yield. Rates quoted are in effect 5/1/2024 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
    • Yes. Please note, youth accounts are allowed a debit card if the youth member is 10 years old and older. However, exceptions can be made if requested by a guardian/parent and approved by management.

    • To remain a member of Heartland, your Primary (Share, Youth) Savings account must remain open with a balance of $5 – which is your share or ownership in the credit union. If you would like to close your account and no longer be a member, you can visit a branch or contact us at (651) 451-5160 or (800) 813-9185.

    • 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.

    • If you meet one of the eligibility requirements, you can become a member of Heartland. To become a member, you must purchase at least one share by depositing $5 into the share or youth savings account. Start your online application.

I grew up in a town of 993 people, so I really like the small town feeling I get at Heartland Credit Union. They know me by name, they know my account and they are always looking out for my best interest. The staff at Heartland is just great, very personable. I would never want to go to a big box bank.

Derek X

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Share Savings Disclosures

*Inactive Fee applies to members over 18 years of age with only a share savings account that has a deposit less than $250 and is inactive for 181 consecutive days.