Share Certificates

Regular Share (Savings) Certificates

Members seeking higher rates of return for their savings may elect to open a share certificate.

  • 6, 12, 15, 18, 24, 36, 48, and 60 month terms
  • Minimum opening deposit $500 (6-month share certificate is $1,000)
  • Earn up to .25% APY* monthly bonus with Heartland Rewards

IRA and ROTH IRA Share (Savings) Certificates

IRA Share Certificates can help you plan for retirement with the benefits of an IRA.

  • 12, 24, 36, 48, and 60 month term
  • Minimum opening deposit $500
  • Earn up to .25% APY* monthly bonus with Heartland Rewards

* APY=annual percentage yield: Bronze level earns .10% APY and Gold level earns .25% APY. If closed before the end of the share certificate term an early withdrawal penalty will apply.


REACH Financial Success Education

Share Certificates

Share Certificates are a type of financial account designed to hold your money for a fixed amount of time with low associated risk – and you earn guaranteed dividends in return! This short, interactive learning experience will teach you what is involved in opening a share certificate to decide if this savings tool is right for you:

  • Share certificate options offered by financial institutions
  • How to calculate your dividend earnings
  • The pros and cons of share certificates, compared to other accounts.

HELPING ... PROTECTING ... INFORMING - COVID-19 Update: Emergency financial assistance is available for members. Branch lobbies are open. Some Shared Branch locations may not be available. If you would like to make an appointment, click to our COVID-19 Resource Page.Learn more about our response to COVID-19
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