Enter to win cash prizes for saving money
With each $25 deposit, you can build your savings, earn dividends, and receive entries in monthly, quarterly, and annual drawings for cash prizes.
Range of prize amounts
You could win a cash prize in a monthly, quarterly, or annual drawing. Prizes range from $50 to $5,000.
Dividends sooner
With a $25 minimum balance to earn dividends you can earn drawing entries and dividends much sooner than with other savings options.
Cash prizes from Heartland
In addition to the monthly, quarterly, and annual state-wide drawings, Heartland also holds member only drawings to ensure that Heartland members are winning cash prizes monthly, quarterly, and annually.
No age limits
You can open a Saver's Sweepstakes account regardless of your age, giving more people the opportunity to save and win.
Liquid
There are no withdrawal or deposit restrictions on this account so you can do as many transactions as you wish without being penalized. Note: withdrawals may decrease the number of drawing entries you receive.
Zero risk, great rewards
Your money is always safe, regardless if you win a drawing or not. There is zero risk with a Saver's Sweepstakes account. You can win cash prizes AND save money!
Today's Saver's Sweepstakes rate
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Final Balance
Contributions: | Earnings:Have more chances to win
At Heartland you'll enjoy better odds of winning a cash prize. In addition to earning entries into the state-wide drawings, you will also receive entries into drawings specifically for Heartland members only. Each month Heartland draws two $50 winners. Each quarter Heartland draws two $100 winners and each year Heartland draws two $500 winners!
Heartland helped me with information on a credit account, savings, checking and my loan! They were awesome! I’ve told others about Heartland specifically because of the staff.
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1
Open account
After answering a few questions and making the initial $25 deposit, you can start saving.
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2
Make deposits and transfers
You can deposit funds using digital banking, or set up automatic transfers to allow your account to grow.
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3
Deposit to win prizes
With each $25 balance increase you can earn entries into the Saver's Sweepstakes to potentially win cash prizes up to $5,000.
Enjoy a rewarding savings experience
You can build savings for your future and have fun while doing it. Open a Saver's Sweepstakes account and make deposits to qualify for state and Heartland-specific cash prize drawings.
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Saver’s Sweepstakes Truth-In-Savings Addendum
For other important information concerning your account(s), please review our Truth In Savings Disclosure.
Rates
Other Savings Program Rates
| Product | Minimum Balance to Earn Dividends | Rate | APY* |
|---|---|---|---|
|
Membership Savings |
$ |
|
|
|
Special Purpose Savings |
$ |
|
|
|
Saver's Sweepstakes Savings |
$ |
|
|
|
IRA/Education Savings |
$ |
|
|
|
Business Checking |
$ |
|
|
Rates effective as of: April 22, 2025
*APY is Annual Percentage Yield. Savings rates can change without notice. Please review our Account Disclosure for terms and conditions.
All features
Entries for every $25
For every $25 increase in month-over-month balance, you will earn one entry into the state-wide drawing as well as the Heartland members only drawing
No limit on deposits
You can deposit more than $25 each time you deposit, which helps your account grow faster.
Statewide program
Thanks to the WI Credit Union League, Wisconsin credit union members are winning more prizes than ever before.
Federally insured
With the NCUA, your funds are insured up to $250,000, so you can trust that your money is safe.
Low minimum to earn dividends
You can start earning dividends on your account balance starting with the first $25, helping you build your savings quickly.
No monthly service fee
Unlike other financial institutions, Heartland does not charge any fees to participate in this program.
Up to 6 entries monthly
To ensure a fair chance for all participants, entries are limited to 6 per month, regardless of how much the balance increases.
Only $25 to open
It is more affordable to open this secondary account and start saving at a higher rate.
Dividends compounded and paid monthly
The dividends you earn on your account balance will compound each month, allowing your savings to grow faster.
Online and mobile banking
You can check the status of your account, make deposits, and perform transfers wherever you are.
Automatic deposits
You can set up automatic deposits so you can build your savings almost effortlessly.
Open a Saver's Sweepstakes Account
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