Health Savings

You need more than an apple a day to keep up with medical expenses these days. HSAs are a healthy way to save for them.

A Health Savings Account allows you to save money to pay for medical care and health claims while earning dividends on your balances. If you are enrolled in a High Deductible Health Plan through your employer, you can put money aside with contributions that are tax-deductible and distributions that are tax-free when used for a qualified medical expense. Learn more about Health Savings Account at the U.S. Department of Treasury.
Here is our HSA Program at a glance*:
  • APR (Annual Percentage Rate) is 0.35%
  • Minimum Deposit $10.00
  • Monthly Maintenance $1.95
  • Account Early Closure (w/in 90 days) $10.00
  • Card Replacement $5.00

Convenient Access

You can view your account balance and make transfers with Heartland Online or Mobile Banking services. You can withdraw up to $300 as a pin-based transaction and/or $2,000 as a signature-based transaction daily.

Your Funds are Insured

Your Heartland Federal Credit Union funds are Federally Insured to $250,000 by NCUA. Heartland FCU also carries additional insurance for member accounts provided by Excess Share Insurance (ESI) for a total of $500,000 per member.

* all fees sand APR are subject to change

Change in Hours 

Effective November 7, 2015 Heartland FCU branches will no longer be open on Saturdays. Click here to read a letter from our President & CEO.

ATM Closings 

The following ATMs are no longer in service: Englewood (National Rd), Dayton (40 W. Fourth St), and Kettering (Bee-Gees Market). For your nearest ATM or Shared Branching location visit our Locator.