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 6-, 8-, 12-, 15-, 18-, 24-, or 36-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.

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