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.

Heartland FCU and Affinia FCU Merger Announcements


NOTICE: All HFCU branches will be CLOSED Saturday, February 28

Heartland Online will be unavailable from Saturday, February 28 at 11 pm through Sunday, March 1 by 2 pm. Bill pay will be available Monday, March 2 by 4 pm. 

To find a Shared Branch or ATM please visit our interactive map.

Click here for our FAQ page