Minnesota Credit Union for Youth Checking Account

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Start early

Help your kid, tween or teen build responsible financial habits with a Youth Checking account. This account is ideal for older kids to learn money management while earning interest.

Low minimum opening deposit

We want getting started to be easy. Open with as little as $5.

No fees and no minimums

Have we mentioned it’s free? No monthly service fee or balance requirement.

Debit card for kids

Give them easy access to their money, while giving you peace of mind with parental controls to set daily dollar limits for purchases and ATM withdrawals.

Digital wallet ready

Easy access to money through Apple Pay, Google Pay and more without having to carry a debit card.

I have a 13 and 15-year-old and each have an account with a debit card. This has given them freedom and independence with their money and has given me peace of mind. They are learning how to manage money for the long term. They monitor their accounts with mobile banking, while I'm able to monitor their spending. Thank you for providing my kids a safe place to learn the importance of managing money.

Mackenzie

Easy-to-use app

Around-the-clock access to your kid’s account with our Mobile App.

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Certificates of Deposit

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Rates Effective as of: 07-24-2026

Certificate of Deposit (Minimum opening deposit of $500)

Terms	Dividend Rate	APY*
6 Months	1.74%	1.75%
12 Months	2.23%	2.25%
13-Month Special.+	3.21%	3.25%
18 Months	2.23%	2.25%
24 Months	1.99%	2.00%
36 Months	1.99%	2.00%
48 Months	2.23%	2.25%
60 Months	2.23%	2.25%

*APY is annual percentage yield. Rates quoted are in effect 7/1/2026 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.

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

+13 Month CD Special: Rate effective 7/1/2026. At maturity, the balance of the certificate will automatically roll into a 12 month term certificate at the current rate at that time. Offer subject to change.

Money Market/Business Money Market

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Rates Effective as of: 07-24-2026

Money Market/Business Money Market

Money Market/Business Money Market	Dividend	APY*
$0.01 - $9,999.99	0.10%	0.10%
$10,000 – $49,999.99	0.25%	0.25%
$50,000 – $99,999.99	0.40%	0.40%
$100,000+	0.50%	0.50%

*APY is annual percentage yield. Rates quoted are in effect 7/1/2026 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.

IRA and Coverdell Savings

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Rates Effective as of: 07-24-2026

IRA and Coverdell Savings ($50 to open)

IRA and Coverdell Savings ($50 to open)	Dividend	APY*
$0.01 – $2,499.99	0.05%	0.05%
$2,500 – $9,999.99	0.05%	0.05%
$10,000 +	0.05%	0.05%

*APY is annual percentage yield. Rates quoted are in effect 1/1/2026 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.

Basic Savings Accounts

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Rates Effective as of: 07-24-2026

Basic Savings Accounts

Basic Savings Accounts	Dividened	APY*
Primary Savings ($5 min. to open)	0.05%	0.05%
Youth Savings ($5 min to open) Up to $10,000	2.521%	2.55%
Business Savings ($5 min. to open)	0.05%	0.05%
Secondary Savings Accounts ($5 min. to open)	0.05%	0.05%
High-Yield Savings -$10,000+	2.521%	2.55%
$0.01-$9,999.99	0.747%	0.75%

*APY is annual percentage yield. Rates quoted are in effect 7/1/2026 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.

Business Checking

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Rates Effective as of: 07-24-2026

Business Checking Rates

Business Checking +*	Dividend	APY**
$0.01-$2,499.99	0.05%	0.05%
$2,500	0.05%	0.05%

* $30 min. to open

+ Checking Accounts: 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.

**APY is annual percentage yield. Rates quoted are in effect 7/1/2026 and are subject to change. If interest is paid to another account, APY may vary.

Incentive Checking Rates

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Rates Effective as of: 07-24-2026

Incentive Checking Rates

Incentive Checking*	Dividend	APY**
$0.00-$20,000 (requirements met)	1.74%	1.75%
$20,000.01+ (requirements met)	0.05%	0.05%
$0.01+ (requirements not met)	0.00%	0.00%

* To receive dividends the following requirements must be met per month: (1) one payroll direct deposit of $250 or more, (2) enrolled in eStatements with a valid email address and (3) 12 Novation debit OR credit card purchase transactions that must average at least $5, excluding cash advances, ATM transactions, returned purchases, disputed or unauthorized/fraudulent transactions, or fees caused by check card use. Debit and credit card transactions CANNOT be combined to meet the 12 transactions minimum. Accounts that meet the requirements will earn tiered dividends—a higher rate on balances up to $20,000 and a lower rate on balances exceeding $20,000. No dividends earned if requirements are not met. Incentive Checking rates and program subject to change.

**APY is annual percentage yield. Rates quoted are in effect 7/1/2026 and are subject to change. If interest is paid to another account, APY may vary.

Free 55 Checking

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Rates Effective as of: 07-24-2026

Free 55 Checking Rates

Free 55 Checking +*	Dividend	APY**
$0.01 – $2,499.99	0.05%	0.05%
$2,500 +	0.05%	0.05%

*$30 min. to open'

**APY is annual percentage yield. Rates quoted are in effect 6/1/2026 and are subject to change. If interest is paid to another account, APY may vary.

Recreational Vehicle Loans

Includes RVs, Boats, ATVs, Motorcycles, Ice Houses etc.

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Rates Effective as of: 07-24-2026

Recreational Vehicle Loans

Type	Model Year	APR* (as low as)	Term
New & Used Recreational Vehicles*** RV, Ice House, Boat, Motorcycle, ATVs, Snowmobiles, Jet Ski	2021-2026	6.75%	Up to 84 Months
New and Used Recreational *** RV, Ice House, Trailer, Boat, Motorcycle, ATVs, Snowmobiles, Jet Ski	2021-2026	7.50%	85-180 Months
Older Recreational Vehicles*** RV, Ice House, Trailer, Boat, Motorcycle, ATVs, Snowmobiles, Jet Ski	2020 and older	7.75%	Up to 84 Months
Older Recreational Vehicles*** RV, Ice House, Trailer, Boat, Motorcycle, ATVs, Snowmobiles, Jet Ski	2020 and older	8.50%	85-180 Months

*APR is annual percentage rate. These rates are in effect as of 7/1/2026 and are subject to change. Rates may vary based upon credit history. Other terms are available. Please contact the Novation loan department for details regarding how your rate is determined.

Home Improvement Loans

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Rates Effective as of: 07-24-2026

Home Improvement Loans

Type	APR*(as low as)	Term
Home Improvement+* (Secured) – Max loan amt. $100,000	10.49%	Up to 5 years
Home Improvement+* (Secured) – Max loan amt. $100,000	10.79%	Up to 8 years
Home Improvement+* (Secured) – Max loan amt. $100,000	10.99%	Up to 10 years
Home Improvement+* (Secured) – Max loan amt. $100,000	11.29%	Up to 15 years
Home Improvement+* (Unsecured) – Max loan amt. $7,500	11.49%	Up to 5 years
Home Improvement+* (Unsecured) – Max loan amt. $7,500	11.99%	Up to 10 years

*APR is annual percentage rate. These rates are in effect as of 6/1/2026 and are subject to change.

+*Home Improvement Loan (Unsecured) – Rate effective 6/1/2026 and subject to change without notice. Payment on a 5 year term at 11.49% APR is $21.99 per $1,000 borrowed. Not all applicants will qualify for a Home Improvement (Unsecured) Loan. Rate varies based on credit history. Improvements must be made on Primary Home and copies of bid and/or receipts are required. Consult a tax advisor for information regarding the deductibility of interest and charges. Loan amounts up to $7,500. Term up to 10 years.

+*Home Improvement Loan (Secured) – Rate effective 6/1/2026 and subject to change without notice. Payment on a 15 year term at 11.29% APR is $115.49 per $10,000 borrowed. Not all applicants will qualify for a Home Improvement (Secured) Loan. Rate varies based on credit history. Improvements must be made on Primary Home (mobile homes do not qualify) and copies of bid and/or receipts are required. Consult a tax advisor for information regarding the deductibility of interest and charges. Loan amounts up to $100,000. Term up to 15 years. Minnesota and Wisconsin properties only. Closing costs do apply. LTV up to 133%.

Personal Loans

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Rates Effective as of: 07-24-2026

Personal Loans

Type	APR* (as low as)	Terms
Lifestyle Loan***	As low as 11.49%	Up to 5 Years
Share Secured (minimum rate 3.50%)	3.00% over share rate	Up to 5 Years
CD Secured (minimum rate 3.50%)	3.00% over CD rate	Up to 5 Years
Line of Credit	12.50%	Revolving Line

*APR is annual percentage rate. These rates are in effect as of 7/1/2026 and are subject to change.

***Rates may vary based upon credit history. Please contact the Heartland loan department for details regarding how your rate and term is determined. Example of a 5-year-fixed rate monthly payment at 11.49% APR would be 60 monthly payments of $21.99 per $1,000 borrowed.

Home Free Loans

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Rates Effective as of: 07-24-2026

Home Free

Type	APR*(as low as)	Terms
Home Free – No Closing Costs+++	6.49%	10 years
Home Free+**	6.99%	15 years

Financing available on owner occupied residences in Minnesota and Wisconsin only.

*APR is annual percentage rate. These rates are in effect as of 6/1/2026 and are subject to change. Rates may vary based on credit history.

+++Home Free 10 year: Loans paid off within the first year are required to repay closing costs. Fees may apply to ensure Heartland’s title position. Mortgage must be in the first position in the chain of title. Property insurance required. Consult a tax advisor for information regarding the deductibility of interest and charges. Heartland does not escrow for taxes and insurance. Loan amounts from $50,000 – $400,000

+**Home Free 15 year: Fees may apply to ensure Heartland’s title position. Mortgage must be in the first position in the chain of title. Property insurance required. Consult a tax advisor for information regarding the deductibility of interest and charges. Heartland does not escrow for taxes and insurance. Loan amounts from $50,000 – $400,000. Closing costs: $499 for loans $50,000-$100,000. $999 for loans $100,001 – $400,000. Max loan amount $400,000.

Credit Cards

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Rates Effective as of: 07-24-2026

Credit Cards

Type	APR*	Terms
Visa Platinum, Student & Business+++++	10.90%-14.90% APR*	Revolving Line
Visa Platinum Rewards+++++	11.90%-15.90% APR*	Revolving Line
Visa Signature+++++	13.90%-17.90% APR*	Revolving Line

+++++ Transaction Fees: Foreign Transaction – 1% of U.S. dollar transaction amount. Rate are non variable. Annual Percentage Rate (APR) for purchases, balance transfers and cash advances: Visa Platinum-10.90%-14.90% APR. Visa Platinum Rewards-11.90%-15.90% APR. Visa Signature -13.90%-17.90% APR. These APRs are based on your credit worthiness.

Home Equity Loans

Home Equity Closed End Loan – 80% LTV

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Rates Effective as of: 07-24-2026

Home Equity Closed End Loan – 80% LTV

Type	APR (as low as)*	Terms
Home Equity Closed End***	5.49%	Up to 60 months
Home Equity Closed End***	5.99%	61-120 Months
Home Equity Closed End***	6.49%	121-180 Months

*APR is annual percentage rate. These rates are in effect as of 7/1/2026 and are subject to change.

***Rates may vary based upon credit history. Other terms are available. Please contact us for details regarding how your rate and term is determined. Closing cost range for the Home Equity Closed End is $100 – $750.

Home Equity Closed End Loan – 90% LTV

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Rates Effective as of: 07-24-2026

Home Equity Closed End Loan – 90% LTV

Type	APR (as low as)*	Terms
Home Equity Closed End***	7.19%	Up to 60 months
Home Equity Closed End***	7.69%	61-120 months
Home Equity Closed End***	8.19%	121-180 months

*APR is annual percentage rate. These rates are in effect as of 6/1/2026 and are subject to change.

Home Equity Line of Credit – Open End

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Rates Effective as of: 07-24-2026

Home Equity Line of Credit – Open End

Type	APR* (Variable Rate)	Terms
HELOC – Up to 80% LTV**	6.75%	Revolving Line
HELOC – Up to 90% LTV**	7.50%	Revolving Line

*APR is annual percentage rate. These rates are in effect as of 7/1/2026 and are subject to change. Rates may vary based on credit history.

**Home Equity Line of Credit rate is variable and subject to change quarterly. The maximum APR for a Home Equity Line of Credit is 18% APR. Closing cost range for the Home Equity Line of Credit is $100 – $750.

Auto Loans

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Rates Effective as of: 07-24-2026

Vehicle Loans

Type	Model Year	APR*(as low as)	Terms
New & Used Vehicle***	2021 and Newer	4.69%	Up to 36 Months
New & Used Vehicle***	2021 and Newer	5.19%	37-60 Months
New & Used Vehicle***	2021 and Newer	5.44%	61-72 Months
New & Used Vehicle***	2021 and Newer	5.69%	73 to 84 Months - min. $25,000
Older Vehicle***	2020 and Older	5.19%	Up to 36 Months
Older Vehicle***	2020 and Older	5.69%	37-60 Months
Older Vehicle***	2020 and Older	6.19%	61-72 Months - min $20,000

*APR is annual percentage rate. These rates are in effect as of 7/1/2026 and are subject to change..

***Rates may vary based upon credit history. Other terms are available. Please contact the Heartland loan department for details regarding how your rate and term is determined.

++++ Auto Loan: Example of a 60 month fixed rate monthly payment at 5.49% APR would be 60 monthly payments of $19.14 per $1,000 borrowed.

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Term (Months)

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Youth Checking

Financial freedom starts here

Start early

Low minimum opening deposit

No fees and no minimums

Debit card for kids

Digital wallet ready

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