Term Share Certificates

Members seeking higher rates of return for their savings dollars may elect to invest in a Share Certificate.

Share certificates are savings products that are perfect for individuals who don’t need immediate access to their funds. Allowing the funds to sit for a specified term affords them the opportunity to earn higher dividends. Share certificates are available in various terms to fit virtually any financial situation.

  • $500 minimum opening deposit certificates available in 8-, 12-, 15-, 18-, 24-, or 36-month terms.
  • $1,000 minimum opening deposit certificates available in 3-month and 6-month terms.
  • Individual Retirement Account (IRA) Certificates starting at $500 are also available for 12-, 24-, or 36-month terms.

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.

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.