Heartland Federal Credit Union offers members a variety of savings programs that are made easy through direct deposit and payroll deduction. Although members are not required to use either, regular routine deposits have proven to be an effective way of building savings. All funds on deposit at Heartland Federal Credit Union are federally insured by the NCUA.

Checking Accounts:
Heartland Federal Credit Union offers a variety of checking accounts to meet your needs. for more information, please view our Checking Account Rates table for a brief description of each option.

Regular Share (Savings) Account:
A minimum of $5.00 in a share account is required for Credit Union membership. Dividends are computed on the average daily balance and are paid monthly. It's wise to make regular deposits to build a financial nest egg and keep your account from going inactive or dormant.

Term Share Certificates:
Members seeking higher rates of return may elect to invest in term share certificates. These are available in amounts from $500.00 for certificates held for 8, 12, 15, 18, 24 or 36 months and starting at $1,000.00 for certificates held for 3 or 6 months. Jumbo certificates for amounts over $100,000 are also available. Please contact the Credit Union for complete details.

What's the yeild? You can check our current rates, then calculate a one-time investment's future value using our annuity calculator.

HSA (Health Savings Accounts):
HSAs are a smart and healthy way to save for medical expenses. They are a new type of tax-favored savings venue for individuals and families covered by a high-deductible health plan (HDHP). Contributions are tax-deductible and distributions are tax-free if used for a qualified medical expenses. Click here to see the video.

Individual Retirement Accounts:
Heartland Federal Credit Union's IRA program allow members to invest for retirement and earn a substantial rate of return. Qualified applicants may also save additional funds through federal income tax deductions annually. Credit Union IRA contributions may be made through payroll deduction, periodic deposits, or in a lump sum. There is no commission or maintenance fee. These funds are federally insured.

Christmas/Vacation Club Accounts:
Some members prefer to set aside a regular amount specifically for holiday or vacation plans. We have developed programs for either occasion that pay the same dividend as the regular share (savings) account. Click here to learn more about Club Accounts.

U.S. Savings Bonds:
Members may purchase U.S. Savings Bonds through Heartland Federal Credit Union and redeem them at any office. Bonds are available in face value amounts from $50 to $10,000.

Re-Loadable VISA Debit Cards:
Pre-fund your spending, with any amount between $50 and $5,000. and re-load at any time. An internet management tool helps you track your spending. It's an easy way to stay within your budget. To order a pre-paid debit card, contact your local branch today.