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Saver's Sweepstakes

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.



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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Estimate your savings

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Final Balance

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Cash prizes from Heartland

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!

Open a Saver's Sweepstakes Account

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.

— Lauren M., Madison, Member Since 2019

How it works

You can win cash prizes while building your savings when you open a Saver's Sweepstakes account, just follow our simplified steps.

  • 1

    Open account

    After answering a few questions and making the initial $25 deposit, you can start saving.

  • 2

    Make deposits and transfers

    You can deposit funds using digital banking, or set up automatic transfers to allow your account to grow.

  • 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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With higher dividend rates, flexible terms, and add-on options, you could grow your savings faster with a certificate at Heartland.

Financial Fitness Coach

Whether you need some assistance creating a budget or you want to boost your credit score, Heartland Credit Union has professional financial fitness coaches to help you manage your money.