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.
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I've belonged to credit unions for many years. Joining Heartland was quick and easy. I look forward to HCU meeting my needs here in Wisconsin.
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.