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Certificate of Deposit Special

Save More. Earn More.

Earn up to 5.25% APY* with a special 7-month CD. Learn more below.

Balances of $25,000+

Minimum to open: $25,000
Term: 7 months

APY*: 5.25%

Balances less than $25,000

Minimum to open: $0
Term: 7 months

APY*: 5.00%

Account Features

No monthly maintenance fees

Keep the focus on saving.

No market risk

Your CD’s earnings are not tied to the market, so there’s no risk involved.

Your money is insured

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

Save for retirement

Certificates are also available as IRAs.

Guaranteed returns

Your money will grow at a fixed rate over the term.

Easy to open

Open your CD online.

Frequently Asked Questions

  • CD accounts offer terms, from six months to five years and your rate is fixed for the term of the certificate. The longer the term the higher the rate.

  • The Marketwatcher option allows you to increase your rate during the term one time to the current Heartland rate (not another financials 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. The Marketwatcher option is not available on CD specials or promotions.

  • No. Withdrawals are allowed, but they come with a penalty. Please contact us at (651) 451-5160 or (800) 813-9185 for current fees.

  • 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.

I've relied on Heartland Credit Union since 1968 and now my family does also because the people are friendly and have always accommodated our financial needs.  

Al V.

Lock in your savings

Earn a guaranteed rate without risk and maximize your savings with a Certificate of Deposit.

Certificate of Deposit Special Disclosures

Early withdrawal penalties do apply. Refer to your Certificate of Deposit disclosure for details.

7 Month CD Special: Rate effective 7/1/2023. Minimum balance required to open account or earn APY is $25,000. 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.