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.

Holiday Closings

We will be closed Thanksgiving Day and Friday, November 27th to allow our employees to spend time with their families. We will reopen to normal business hours on Monday, November 30th


Changes are coming to our Loyalty Program. Check out the new qualifications and earn a free gift just for doing more at Heartland FCU. Apply for your loyalty reward today.