Use your debit card to help you save!
Grow your savings while using your debit card and earn higher dividends than a regular savings account.
Today's Round Up Savings rates
View rates$0 - $1,000
$1,000.01 - $5,000
High dividends
Round Up Savings rates are much higher on balances up to $5,000* than other savings programs.
Easy to participate
You don’t have to do anything different than use your debit card for everyday purchases for your savings to add up.
Liquid funds
Enjoy flexibility - withdraw money as needed or leave the money in the account to earn more interest.
Easy to manage
View balance and transfer out of your Round Up Savings in digital banking.
Use your Digital Wallet
Put your Heartland debit card in your digital wallet and make purchases with your phone to help build up your Round Up Savings.
Easy to get started
It doesn’t require much effort to start when you sign up through digital banking or the Digital Branch.
Estimate your savings
Let's see how much you could save!
Final Balance
Contributions: | Earnings:It's so simple to build your savings!
Use your debit card for everyday purchases in-person, online, or via your digital wallet the same way you always do. We round up your purchase total to the nearest dollar then deposit that difference into your Round Up Savings account. It's automatic and makes saving super easy.
I think the Round Up Savings account is great for members because it is a natural way to save without having to try. You'll never notice the extra cents leaving your account and it adds up quickly!
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1
Open a checking account
Follow links to open a Heartland Checking account or skip to #2 if you already have one.
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2
Open Round Up Savings
Follow the links to open a Round Up Savings account - we'll connect it to your checking.
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3
Purchase with your debit card
Use your Heartland debit card for all your purchases in-person, online or via your digital wallet and watch your savings grow!
Earn up to 10%APY!*
Round Up Savings balances up to $1,000 earn 10% APY* and after that your balance up to $5,000 earns 5%APY*.
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*APY is Annual Percentage Rate. When a debit purchase is made with a Heartland debit card, the transaction is rounded up to the nearest dollar, and the increased amount is then transferred to the Round Up Savings account. For example, a $1.75 charge will result in a $0.25 transfer (if no other transactions post on the same day.) Posting amounts ending in .00, round up a full dollar. For example, a $10.00 charge will result in a $1.00 transfer (if no other transactions post on the same day.) Round up transfers will be made for signature-based purchases, PIN based POS purchases, and online purchases/transactions. One transfer of all calculated funds will be made each day. Round up transfers will not cause the account to post a negative balance or post below available funds. Partial transfers may be allowed. There will be no catch-up transfers. If the transfer can’t happen on Monday then Monday’s transactions never get rounded up. If there is money again on Tuesday then Tuesday’s transactions will round up. Heartland reserves the right to cancel or modify the Round Up Savings Program at any time. Un-enroll from this program by calling 1-800-362-3944, visiting a Heartland branch, or emailing ebranch@heartlandcu.org. You may un-enroll from this program by calling us at 1-800-362-3944, emailing us at ebranch@heartlandcu.org, or by visiting one of our branches.
For other important information concerning your account(s), please review our Truth In Savings Disclosure.
Rates
Round Up Savings Rates
| Balance | Rate | APY* | |
|---|---|---|---|
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Round Up Savings |
Up to $1,000.00 |
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$1,000.01 to $5,000.00 |
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$5,000.01 + |
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Rates effective as of: April 27, 2024
*APY is Annual Percentage Rate. When a debit purchase is made with a Heartland debit card, the transaction is rounded up to the nearest dollar, and the increased amount is then transferred to the Round Up Savings account. For example, a $1.75 charge will result in a $0.25 transfer (if no other transactions post on the same day.) Posting amounts ending in .00, round up a full dollar. For example, a $10.00 charge will result in a $1.00 transfer (if no other transactions post on the same day.) Round up transfers will be made for signature-based purchases, PIN based POS purchases, and online purchases/transactions. One transfer of all calculated funds will be made each day. Round up transfers will not cause the account to post a negative balance or post below available funds. Partial transfers may be allowed. There will be no catch-up transfers. If the transfer can’t happen on Monday then Monday’s transactions never get rounded up. If there is money again on Tuesday then Tuesday’s transactions will round up. Heartland reserves the right to cancel or modify the Round Up Savings Program at any time. Un-enroll from this program by calling 1-800-362-3944, visiting a Heartland branch, or emailing ebranch@heartlandcu.org.
All features
Dividends compounded and paid monthly
Keep the money in your account as long as possible to earn dividends on your dividends and save even more!
No minimum to open
Start saving money right away because your balance grows in relation to your debit card usage.
Anyone with a checking account is eligible.
Debit Card Round Up is open to anyone with a checking account, so it's easy to start saving.
Federally insured
With the NCUA, your funds are insured up to $250,000, so you can trust that your money is safe.
Works with instant issue cards
You can get started right away - the same day you get your instant issue Heartland debit card - so you can save more, faster.
No monthly service fee
Unlike other financial institutions, Heartland does not charge any fees to participate in this program.
Open a Round Up Savings Account
Are you a member?
Yes, I’m already a Heartland member
No, but I’d like to become a Heartland member
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