Savings 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.
| Product | Term | Balance | Rate | APY* | 
|---|---|---|---|---|
| 
                                                                
                                                                                                    
 HSA Certificate  | 
                                                    
                                                                
                                                                                                    
 12 Month  | 
                                                    
                                                                
                                                                                                    
 $500 minimum  | 
                                                    
                                                                
                                                                                                    
 | 
                                                    
                                                                
                                                                                                    
 | 
                        
                    
| 
                                                                
                                                                                                    
 HSA  | 
                                                    
                                                                
                                                                                                    
 $  | 
                                                    
                                                                
                                                                                                    
 | 
                                                    
                                                                
                                                                                                    
 | 
                        
                    |
| 
                                                                
                                                                                                    
 $   | 
                                                    
                                                                
                                                                                                    
 | 
                                                    
                                                                
                                                                                                    
 | 
                        
                    ||
| 
                                                                
                                                                                                    
 $  | 
                                                    
                                                                
                                                                                                    
 | 
                                                    
                                                                
                                                                                                    
 | 
                        
                    ||
| 
                                                                
                                                                                                    
 $  | 
                                                    
                                                                
                                                                                                    
 | 
                                                    
                                                                
                                                                                                    
 | 
                        
                    ||
| 
                                                                
                                                                                                    
 $  | 
                                                    
                                                                
                                                                                                    
 | 
                                                    
                                                                
                                                                                                    
 | 
                        
                    
Rates effective as of: November 4, 2025
*APY is annual percentage yield. Savings rates can change without notice. Please review our Account Disclosure for terms and conditions.
| Product | Balance | Rate | APY* | 
|---|---|---|---|
| 
                                                                
                                                                                                    
 Heartland Money Market  | 
                                                    
                                                                
                                                                                                    
 $  | 
                                                    
                                                                
                                                                                                    
 | 
                                                    
                                                                
                                                                                                    
 | 
                        
                    
| 
                                                                
                                                                                                    
 $  | 
                                                    
                                                                
                                                                                                    
 | 
                                                    
                                                                
                                                                                                    
 | 
                        
                    |
| 
                                                                
                                                                                                    
 $  | 
                                                    
                                                                
                                                                                                    
 | 
                                                    
                                                                
                                                                                                    
 | 
                        
                    |
| 
                                                                
                                                                                                    
 $  | 
                                                    
                                                                
                                                                                                    
 | 
                                                    
                                                                
                                                                                                    
 | 
                        
                    
Rates effective as of: November 4, 2025
*APY is annual percentage yield. Savings rates can change without notice. Please review our Account Disclosure for terms and conditions.
| Product | Balance | Rate | APY* | 
|---|---|---|---|
| 
                                                                
                                                                                                    
 Platinum Money Manager  | 
                                                    
                                                                
                                                                                                    
 $  | 
                                                    
                                                                
                                                                                                    
 | 
                                                    
                                                                
                                                                                                    
 | 
                        
                    
| 
                                                                
                                                                                                    
 $  | 
                                                    
                                                                
                                                                                                    
 | 
                                                    
                                                                
                                                                                                    
 | 
                        
                    |
| 
                                                                
                                                                                                    
 $  | 
                                                    
                                                                
                                                                                                    
 | 
                                                    
                                                                
                                                                                                    
 | 
                        
                    |
| 
                                                                
                                                                                                    
 $  | 
                                                    
                                                                
                                                                                                    
 | 
                                                    
                                                                
                                                                                                    
 | 
                        
                    |
| 
                                                                
                                                                                                    
 $  | 
                                                    
                                                                
                                                                                                    
 | 
                                                    
                                                                
                                                                                                    
 | 
                        
                    |
| 
                                                                
                                                                                                    
 up to $  | 
                                                    
                                                                
                                                                                                    
 | 
                                                    
                                                                
                                                                                                    
 | 
                        
                    
Rates effective as of: November 4, 2025
*APY is annual percentage yield. Savings rates can change without notice. Please review our Account Disclosure for terms and conditions.
| 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: November 4, 2025
*APY is Annual Percentage Yield. Savings rates can change without notice. Please review our Account Disclosure for terms and conditions.
*APY is Annual Percentage Yield. Savings rates can change without notice. Fees may reduce earnings. Can choose an IRA/Roth/SEP/Coverdell certificate. APY is annual percentage yield. Certificates rates are fixed for the term when the account is opened. Please review our Account Disclosure for terms and conditions. Certificates may have early withdrawal penalties.
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For other important information concerning your account(s), please review our Truth In Savings Disclosure.
 
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