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