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iSave Savings

Teach your teen about money

Give them the tools they need to become money smart.

  • Overview

    Dedicated to our teen members

    Teach your teen to save and manage money with our iSave Savings Account for 13 to 17-year-olds.

    Monthly dividends

    Put money into the savings account and watch it grow.

    No monthly maintenance fees

    Because saving shouldn’t cost you anything.

    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).

  • Rates
    Rates Effective as of: 10-04-2023
    Basic Savings AccountsDividenedAPY*
    Primary Share Savings ($5 min. to open)0.05%0.05%
    Bean Sprout ($5 min. to open)0.05%0.05%
    iSave 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 10/1/2023 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)

    Rates Effective as of: 10-04-2023
    Certificates of Deposit – IRAsTermsDividend RateAPY*
    $100-$9,999.996 Months 0.50%0.50%
    $10,000+6 Months 0.70%0.70%
    Special: No minimum to open**9 Months4.18%4.25%
    $100 to $9,999.9912 Months1.00%1.00%
    $10,000+12 Months1.20%1.20%
    $100-$9.999.9918 Months3.20%3.25%
    $10,000+18 Months3.45%3.50%
    $100-$9,999.9924 Months2.72%2.75%
    $10,000+24 Months2.96%3.00%
    $100-$9,999.9936 Months2.23%2.25%
    $10,000+36 Months2.47%2.50%
    $100-$9,999.9948 Months1.98%2.00%
    $10,000+48 Months2.23%2.25%
    $100-$9,999.9960 Months1.74%1.75%
    $10,000+60 Months1.98%2.00%

    *APY is annual percentage yield. Rates quoted are in effect 5/1/2023 and are subject to change. Any early withdrawal penalty may reduce earnings on certificates.

    Compounding Frequency. For all term share certificates offered, the 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.

    Daily Balance Computation Method. Dividends are calculated by the daily balance method, which applies a daily periodic rate to your balance each day.

    Withdrawal of Dividends Prior to Maturity. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal may reduce earnings.

    Marketwatcher option allows you to increase your rate during the term one time to the current 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.

    You will have a grace period of ten calendar days after maturity to withdrawal the fund without being charged an early withdrawal penalty.

    **9 Month CD Special: Rate effective 5/1/2023-5/31/2023. No minimum balance required to open account or earn APY. At maturity, the balance of the certificate will automatically roll into a six month term certificate at the current rate at that time. Offer subject to change. Marketwatcher feature not available on specials.


  • FAQs
    • Yes. Please note, youth accounts are allowed a debit card if the youth member is 13 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.

Although my son has had an account with another bank for three years, the decision to switch to Heartland was simple. Thanks to the Shared Services options, my son is now a Heartland Credit Union member and can do his finances more easily with multiple choices i.e debit card, internet banking, bill pay, ATM and Shared Service Centers.  Thank you Heartland Credit Union!


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