Heartland rates: up to 4.25% APY

credit union · NCUA CHARTER 66710 · www.heartlandcu.org/

Savings

Product	Term / tier	Rate	Basis	Recorded	Change
12 month HSA	$500	2.00%	APY	2026-11-01	since 2026-11-01
HSA	$0 - $249.99	0.10%	APY	2026-11-01	since 2026-11-01
Health Savings Account	Product · $250 - $ 2,499.99	0.15%	APY	2026-11-01	since 2026-11-01
Health Savings Account	Product · $2,500 - $4,999.99	0.17%	APY	2026-11-01	since 2026-11-01
Health Savings Account	Product · $5,000 - $14,999.99	0.22%	APY	2026-11-01	since 2026-11-01
Health Savings Account	Product · $15,000+	0.25%	APY	2026-11-01	since 2026-11-01
IRA/Education Savings	$100	0.15%	APY	2026-11-01	since 2026-11-01
Membership Savings	$100	0.10%	APY	2026-11-01	since 2026-11-01
Saver's Sweepstakes Savings	$25	0.10%	APY	2026-11-01	since 2026-11-01
Special Purpose Savings	$200	0.10%	APY	2026-11-01	since 2026-11-01

CDs

Product	Term / tier	Rate	Basis	Recorded	Change
All Certificate	3 month · $500	0.60%	APY	2026-11-01	since 2026-11-01
3-Month CD	3 month · $500	0.60%	APY	2026-11-01	since 2026-11-01
All Certificate	6 month · $500	1.30%	APY	2026-11-01	since 2026-11-01
6-Month CD	6 month · $500	1.30%	APY	2026-11-01	since 2026-11-01
All Certificate	9 month special · $500	4.00%	APY	2026-11-01	since 2026-11-01
Certificate Specials	9 month special · $500	4.00%	APY	2026-11-01	since 2026-11-01
9-Month CD	9 month special · $500	4.00%	APY	2026-11-01	since 2026-11-01
12 month HSA	$500 · 1 year	2.00%	APY	2026-11-01	since 2026-11-01
All Certificate	12 month add-on · $250	2.25%	APY	2026-11-01	since 2026-11-01
All Certificate	12 month · $500	3.00%	APY	2026-11-01	since 2026-11-01
1-Year CD	12 month add-on · $250	2.25%	APY	2026-11-01	since 2026-11-01
1-Year CD	12 month · $500	3.00%	APY	2026-11-01	since 2026-11-01
HSA Certificate	$500 minimum · 1 year	2.00%	APY	2026-11-01	since 2026-11-01
All Certificate	14 month special · $500	4.25%	APY	2026-11-01	since 2026-11-01
Certificate Specials	14 month special · $500	4.25%	APY	2026-11-01	since 2026-11-01
14-Month CD	14 month special · $500	4.25%	APY	2026-11-01	since 2026-11-01
All Certificate	18 month · $500	3.05%	APY	2026-11-01	since 2026-11-01
18-Month CD	18 month · $500	3.05%	APY	2026-11-01	since 2026-11-01
All Certificate	24 month · $500	3.60%	APY	2026-11-01	since 2026-11-01
2-Year CD	24 month · $500	3.60%	APY	2026-11-01	since 2026-11-01
All Certificate	36 month · $500	3.50%	APY	2026-11-01	since 2026-11-01
3-Year CD	36 month · $500	3.50%	APY	2026-11-01	since 2026-11-01
All Certificate	48 month · $500	3.50%	APY	2026-11-01	since 2026-11-01
4-Year CD	48 month · $500	3.50%	APY	2026-11-01	since 2026-11-01
All Certificate	60 month · $500	3.50%	APY	2026-11-01	since 2026-11-01
5-Year CD	60 month · $500	3.50%	APY	2026-11-01	since 2026-11-01

Money market

Product	Term / tier	Rate	Basis	Recorded	Change
Heartland Money Market	Product · $50,000 - $99,999	1.00%	APY	2026-11-01	since 2026-11-01
Heartland Money Market	Product · $100,000 - $149,999	1.50%	APY	2026-11-01	since 2026-11-01
Heartland Money Market	Product · $150,000 - $199,999	2.00%	APY	2026-11-01	since 2026-11-01
Heartland Money Market	$200,000+	3.00%	APY	2026-11-01	since 2026-11-01

Sources and evidence

Page	Last captured	Last result	Digest
www.heartlandcu.org/rates/	2026-11-02 01:33 UTC	ok	135178a42ec3
www.heartlandcu.org/accounts/savings/certificates/	2026-11-02 01:33 UTC	ok	91d77776751e
www.heartlandcu.org/accounts/savings/savings-rates/	2026-11-02 01:33 UTC	ok	d8aadaf2038a