Certificates
What are you saving for?
Whether it's a new home, baby essentials, or future education, our 7-month certificate special earning 4.25% APY helps your savings grow faster. Lock in this limited-time rate for as little as $500!*
*APY is annual percentage yield. Savings rates can change without notice. Fees and early withdrawal penalties may reduce earnings. Certificate rates are fixed for the term when the account is opened. Â 7 month certificates will auto renew for a subsequent 6 month term.
Account Features
Flexible terms
You can select a certificate for terms ranging from 3 months to 5 years.
Earn higher dividends
Earn higher dividends on a certificate than other savings account options. You'll earn more in a shorter amount of time.
Flexible dividend options
You have options on how to receive the dividends from your certificate. You can have a check mailed directly to you or have dividends deposited back into your certificate or another account.
Deposit IRA funds
IRA certificates are a smart and safe way to grow your retirement savings.
Add-on certificates available
Most certificate options do not allow for more deposits once the savings term starts but Heartland offers an add-on certificate option that allows you to add funds to your balance as it grows.
Low minimum balance requirements
Open a Heartland certificate with as little as $500 and start earning more on your balance right away.
Choose how long to grow your funds
You may have a short-term financial goal that you want to save for, or perhaps you want to grow your money for an extended period. With certificate options from 3 months or 5 years, choose a term that helps meet your goals on your timeline.
I am so impressed with the great customer service I received!!!! I have never been heard and helped like this before!!!!!! I will let my friends and family know about Heartland.
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1
Open a certificate
Compare certificate options and select the term you desire.
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2
Make initial deposit
Deposit funds to open the certificate.
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3
Earn dividends
Dividends will be credited to your account or mailed to you quarterly, based on your selection.
Earn more for your future
With competitive rates, flexible terms, and multiple options to receive or save dividends, a certificate from Heartland can help you earn more in a shorter amount of time.
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Rates
All Certificate Rates
| Term | Minimum Balance to Open | Rate | APY* |
|---|---|---|---|
|
7 month special |
$ |
|
|
|
14 month special |
$ |
|
|
|
3 month |
$ |
|
|
|
6 month |
$ |
|
|
|
12 month |
$ |
|
|
|
12 month add-on |
$ |
|
|
|
12 month HSA |
$ |
|
|
|
18 month |
$ |
|
|
|
24 month |
$ |
|
|
|
36 month |
$ |
|
|
|
48 month |
$ |
|
|
|
60 month |
$ |
|
|
*APY is annual percentage yield. Savings rates can change without notice. Fees may reduce earnings. Can choose Regular/IRA/Roth/SEP/Coverdell certificate. Certificates rates are fixed for the term when the account is opened. For special rate certificates: 14 month certificates will auto renew for subsequent 12 month term and 7 month renews for a 6 month term, both at current rates. Please review our Account Disclosure for terms and conditions. Certificates may have early withdrawal penalties.
Estimate your earnings
Final Balance
Contributions: | Earnings:Estimate your earnings
Final Balance
Contributions: | Earnings:Estimate your earnings
Final Balance
Contributions: | Earnings:Certificate Specials
| Term | Minimum Balance to Open | Rate | APY* |
|---|---|---|---|
|
7 month special |
$ |
|
|
|
14 month special |
$ |
|
|
Rates effective as of: December 21, 2024
*APY is annual percentage yield. Savings rates can change without notice. Fees may reduce earnings. Can choose Regular/IRA/Roth/SEP/Coverdell certificate. Certificates rates are fixed for the term when the account is opened. For special rate certificates: 14 month certificates will auto renew for subsequent 12 month term and 7 month renews for a 6 month term, both at current rates. Please review our Account Disclosure for terms and conditions. Certificates may have early withdrawal penalties.
Rates
Certificates: Regular/IRA
| Term | Minimum Balance to Open | Rate | APY* |
|---|---|---|---|
|
3 month |
$ |
|
|
|
6 month |
$ |
|
|
|
12 month |
$ |
|
|
|
12 month add-on |
$ |
|
|
|
12 month HSA |
$ |
|
|
|
18 month |
$ |
|
|
|
24 month |
$ |
|
|
|
36 month |
$ |
|
|
|
48 month |
$ |
|
|
|
60 month |
$ |
|
|
Rates effective as of: December 21, 2024
*APY is annual percentage yield. Savings rates can change without notice. Fees may reduce earnings. Can choose an IRA/Roth/SEP/Coverdell certificate. Certificates rates are fixed for the term when the account is opened. For special rate certificate: 7 and 14 month certificates will auto renew for subsequent 12 month terms. Please review our Account Disclosure for terms and conditions. Certificates may have early withdrawal penalties.
All features
Dividends compound quarterly
Every quarter during your certificate's term, your dividends will compound, meaning you can earn even more than other savings options.
Automatic renewal options
You can set your certificate to automatically renew for another term so it can continue to grow.
10-day grace period
You have time once your certificate reaches the end of its term to decide how you want to use your funds or if you want to renew the term.
Open a Certificate Account
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