Savings Products

A savings account is the heart of your Heartland Federal Credit Union membership. Once you’re a member, we can help you reach your goals with a variety of other savings, checking, products, and services.

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 $5 deposit in our Regular Savings Account establishes your membership with Heartland Federal Credit Union.

* Emergency Savings accounts: this is a deposit only savings. Withdrawals may be made by contacting Heartland FCU. Some restrictions may apply. See a HFCU representative for complete details.

* There is a 10% penalty on any withdrawal not education related. In order to avoid this penalty, provide a cancelled check made payable to the school or an invoice related to school expenses. In January of the year the member turns 18, funds are transferred to their regular savings account and this account is closed.
** Accounts balances that fall below $2,500 will incur a monthly fee.


REACH Financial Success Education

Savings Accounts

Choosing a savings account may seem simple enough, but with a little extra research you can make an informed decision to help you maximized your money! This short, interactive learning experience will teach you ways to use a savings accounts to reach your financial goals, like:

  • Setting savings goals
  • Types of savings accounts
  • Smart saving habits to meet your financial needs


REACH Financial Success Education

Building Emergency Savings

It’s important to make sure you’re prepared for unexpected situations that may arise in life. This short, interactive learning experience will teach you how you can build a savings account dedicated to dealing with emergency circumstances, such as injuries, illnesses, or repairs for cars and appliances.

  • What types of emergencies you might need to save for
  • How to develop a savings strategy
  • Resources to help you in your planning

Our Piqua Branch is closed to walk-ins today. For an appointment please call 937-296-4037. Your December 2020 statement will include your 1099-INT tax form. This information is also reported to the IRS. No separate paper copy of the 1099-INT tax form will be mailed.Click here for information about the 2nd STIMULUS CHECK and other COVID-19 related information.
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