Certificates of Deposit

Be sure to ask about our
in-office certificate specials:
Call (651) 451-5160 or
toll-free 1-800-813-9185.

 
Interest rates compound quarterly. Interest earned may be deposited monthly or quarterly to another Heartland checking or savings account. If interest is deposited to another account, APY (Annual Percentage Yield) may vary. An early withdrawal penalty may reduce earnings. Contact us for the latest rates!

Feel Secure

Your deposits at Heartland are insured to at least $100,000 by the National Credit Union Administration, a U.S. government agency,
(up to $250,000 on IRAs). Excess Share Insurance (ESI) increases deposit insurance levels up to an additional $250,000.

Boost Your Earnings with Marketwatcher

Will interest rates go up? No need to wonder
with a Heartland Marketwatcher CD:

1. Open a Heartland CD or IRA CD with: 

• a term of 6 months or 1-5 years (Marketwatcher not available on
  special offers)

• a minimum of $1,000 or $250 for Bean Sprout and iSave Club certificates. 

2. Sit back and relax.
Periodically check our rates by calling CUTELE
at (651) 451-5160 or 1-800-813-9185, or visit
our website.
 

3. Step up!
Anytime Heartland offers a higher interest rate on CDs for the same term, you can step up your rate just by notifying us and adding at least $1,000 ($250 for Bean Sprouts and iSave) to your original certificate balance.*

Best of all, Marketwatcher CDs let you earn our highest rates without worrying about safety – your deposits are insured to at least $100,000 by the NCUA (up to $250,000 on IRAs). ESI increases deposit insurance levels up to an additional $250,000.

Contact us to open your Marketwatcher CD today!

 * You may exercise this option one time per term share certificate only. The original maturity date of your certificate will remain in effect.