Find the latest Heartland Credit Union CD Rates, Offers, and Promotions here.
Best CD Rates: 5.75% APY 17-Month, $500 opening deposit.
Availability: Nationwide. Easy membership requirement.
Easy Membership Requirement: “Are you (OR a family member) working in or are you/they retired from one of the following occupations?” The 23 listed occupations are so general in nature (Sales, Office, Management, Business, etc.) that virtually anyone can qualify.
Credit Inquiry: Hard Pull
About Heartland Credit Union
Heartland Credit Union is a full-service, financial cooperative based in Hutchinson, Kansas. Their mission is to provide their members with quality, cost-effective, personalized financial services that contribute to their social and economic well-being.
Heartland Credit Union offers a vast array of products including CD options for all of your specific financial needs. From checking and savings account to loans and CDs, you are bound to find one that works for you. You can fund your account via ACH, wire, check (in-branch), or shared branch transfer.
| Term | APY Rate | Minimum Deposit |
| 17-Month | 5.75% | $500 |
*The above rates are accurate as of 10/17/2023*
Heartland Credit Union CD Rates
CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer of a term, the higher APY rate you make. The account ownership can be individual, joint, or trust. The dividends is compounded and credited quarterly which can be transferred to a Heartland CU Prime Share Savings account penalty-free.
With as little as $500, you can invest in a Heartland Credit Union CD account to maximize your earnings. Compare their offering now to find the solutions that fit best with your savings goals. If you’re interested in making a higher rate than a traditional savings account then make sure to check out below CD rates.
- Minimum deposit: $500
- Maximum deposit: None
- Early withdrawal penalty: The penalty we may impose will equal twelve months dividends on the amount withdrawn subject to penalty.
(NCUA Insured)
| Alliant Credit Union 12-Month Certificate (4.30% APY) | Quontic Bank CD (Up to 4.25% APY) |
| Western Alliance Bank 3-Month CD (4.50% APY) | Western Alliance Bank 12-Month CD (4.25% APY) |
| Ponce Bank 3-Month CD (4.25% APY) | Blue Federal Credit Union 9-Month No Penalty CD (3.75% APY) |
| Sun Canyon Bank 11-Month CD (3.98% APY) | Ponce Bank 4-Month No-Penalty CD (4.15% APY) |
Heartland Credit Union CD Features
- Low minimum balance requirement
- Unlimited number of beneficiaries, no Social Security required
- Competitive rates on all CD terms
- Insured by the NCUA up to the maximum allowed by law
Bottom Line
With a unique selection of CD lengths to choose from, you can be sure to find an account that best fits all your banking needs. Take advantage of a low required minimum balance of just $10,000. Once your funds matured, you can do an internal transfer to a Heartland CU Prime Share Savings account. They will give you a 10 calendar days grace period.
This is ideal for accounts like Certificate of Deposits, which require very little maintenance. The rates are worth a look, but always compare them with the nation’s best using our guides: CD Rates | Savings Rates.
*While Heartland Credit Union does have competitive rates with their launch, their product line is limited. I recommend to take a look at Discover Bank Promotions here
| Service Credit Union | 4.50% APY 6-Month CD | Review |
| Western Alliance Bank | 4.50% APY 3-Month CD | Review |
| Western Alliance Bank | 4.40% APY 6-Month CD | Review |
| Rising Bank | 4.40% APY 6-Month CD | Review |
| Rising Bank | 4.35% APY 15-Month CD | Review |
| First Tech Federal Credit Union | 4.35% APY 13-Month Share Certificate | Review |
| Live Oak Bank | 4.30% APY 12-Month CD | Review |
| Live Oak Bank | 4.30% APY 12-Month Business CD | Review |
| Alliant Credit Union | 4.30% APY 12-Month Certificate | Review |
| Quontic Bank | Up to 4.25% APY CD | Review |
| Western Alliance Bank | 4.25% APY 12-Month CD | Review |
| Ponce Bank | 4.25% APY 3-Month High Yield CD | Review |
| Sallie Mae | 4.25% APY 14-Month CD | Review |
| Ponce Bank | 4.15% APY 4-Month No-Penalty CD | Review |
| Discover Bank | 4.10% APY 24-Month CD | Review |
| First Mid Bank & Trust | 4.08% APY 9-Month CD | Review |
| Sun Canyon Bank | 3.98% APY 11-Month CD | Review |
| Sallie Mae | 3.95% APY 10-Month CD | Review |
| Western Alliance Bank | 3.85% APY 5-Month CD | Review |
| GreenState Credit Union | 3.80% APY 10-Month CD | Review |
| Blue Federal Credit Union | 3.75% APY 9-Month No Penalty CD | Review |
| Blue Federal Credit Union | 3.75% APY 15-Month CD | Review |
| CIT Bank | 3.50% APY 13-Month CD | Review |
| CIT Bank | 3.50% APY 11-Month No-Penalty CD | Review |
| Southwestern National Bank | 3.40% APY 8-Month CD | Review |
| First Financial Northwest Bank | 3.00% APY 12-Month CD | Review |
| Ponce Bank | 3.00% APY 1-Month High Yield CD | Review |
| CIT Bank | 3.00% APY 6-Month CD | Review |
| CIT Bank | 3.00% APY 18-Month CD | Review |
This is a great opportunity to invest in a high-interest CD from Heartland Credit Union. However, you may want to compare them with our best CD Rates:
- Best 6-Month CD Rates
- Best 9-Month CD Rates
- Best 12-Month CD Rates
- Best 18-Month CD Rates
- Best 24-Month CD Rates
- Best 36-Month CD Rates
- Best 48-Month CD Rates
- Best 60-Month CD Rates
You might even find yourself earning more than a regular savings account. Be sure to apply as soon as you can to start your new account experience. Check back often for the latest Heartland Credit Union CD rates!
Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
