A place to grow every dollar

Both offer tiered rates that grow with your balance and are federally insured up to $250,000. Investment Share starts earning at a lower balance, making it a good fit if you're carrying a bit more than a standard savings account. Money Market requires a higher balance to start earning dividends but adds withdrawal flexibility, including checks, and pays more at higher balance tiers.

Yes. Prime Share Savings is your membership account, it's what makes you an owner of Heartland Credit Union. Every other account on this page requires an active Prime Share Savings account first. If you don't have one yet, start there. It only takes a $25 deposit.

Yes. There's no monthly fee, so you can open as many Special Savings accounts as you need and give each one a nickname, one for a down payment, one for home improvements, one for an emergency fund, whatever you're working toward.

Age. Smart Start Savings is for kids 12 and under and rewards saving habits with a $1 bonus for every $20 deposited. Gateway Savings is for teens 13-18 and rewards good grades with a bonus each semester. Both build savings habits early, just at different stages.

Yes. Certificates are designed to be held for their full term, and withdrawing early may reduce your earnings. If there's a chance you'll need the money before the term ends, an account with more flexibility, like a Money Market or Investment Share, may be a better fit.

You need to be 18 or older and enrolled in a qualifying High Deductible Health Plan. If you're not sure your plan qualifies, check with your plan provider or give us a call and we can help you sort it out.