A savings account is at the heart of your Heartland membership. Once you are a member, we can help you reach your goals with a variety of other savings accounts and services.

Regular Savings

When you join a credit union, you pledge a "share" that enables you to participate in the member-owned cooperative and ensures you a vote in the democratic process. A small $5 deposit in our Regular Savings (Share) account establishes your membership with Heartland Federal Credit Union and becomes the cornerstone to your financial life.

Emergency Fund Savings

Nearly half of Americans couldn’t cover a $400 emergency. If this statistic scares you, we have a plan for you! Let Heartland FCU fast track your savings so when an emergency strikes, you’ll be ready. Earn a higher dividend on your hard-earned cash with our Emergency Fund Savings. This is a deposit only savings. Click here for our top 10 ways to save money. Learn more

Building Your Nest Egg

It’s been shown time and again, that a successful financial life can only be obtained with systematic and continuous savings. When you make regular routine deposits, you slowly build your nest egg. That nest egg will protect you against short-term bumps in the road and lead the way to a comfortable retirement in the long run.

We encourage direct deposit with payroll allocation to help you maintain and build your savings plan.

Club Savings

Holiday dinners and decorations. Mountain trips and beach vacations. Putting a little away now ensures a lot more fun later. Open a Holiday or Vacation Club Savings Account and be ready when the time comes. You can even open a special Club account to save for that new flat screen TV or home improvement project.

Set up automatic transfers from your paycheck(s) to your designated accounts so you don’t even miss the money. Getting to your goal will be on autopilot! Transfers will continue until you cancel in writing. Should an emergency arise, you will always have full access to your funds without penalty.

Holiday Club

Save for everything holiday related or just the gifts. Either way, funds will automatically be transferred to your Regular Share Account on November 1 in time for all your holiday shopping.

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.

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