Certificate of Deposit
We know that our business is all about relationships; our relationship with you providing products and services that improve your lives, and your relationship with us as member/owners of a financial co-op. This concept of relationship building was the basis for the structure of our Relationship Rewards Program. Strong relationships help the credit union grow; therefore they benefit our member owners. Our goal is to be your financial institution of choice for all of your banking needs, and we are prepared to reward you for choosing us.
There are 2 tiers to our program, and rewards are based on household balances, which include all deposit and loan accounts of individuals living at the same address. The chart below shows each tier and the benefits provided at each level of relationship.
Reaching the Prime Plus tier provides you with 1/4% bonuses on certificates and 1/4% discounts on consumer installment loans (does not include line of credit, revolving or first mortgage loans). There are also many account fees that are waived for this tier as well. Any new certificate or loan that places you into the Prime Plus tier will be afforded the bonus or discount. Relationships do bring rewards at HCU.
For more information about the benefits of being a member of Heartland Credit Union, we invite you to stop in a meet with a Member Service Officer.
Description |
Prime |
Prime Plus |
Total Household Balances
(includes loans & shares) |
$0.00+ to $49,999.99 |
$50,000 + |
Minimum Age |
N/A |
N/A |
Maximum Age |
N/A |
N/A |
Account requirement |
No Requirement |
No Requirement |
Check Writing Fees |
Unlimited |
Unlimited |
Check Card Usage (per month) |
Unlimited |
Unlimited |
HCU & Co-Op ATM’s |
Unlimited |
Unlimited |
Foreign ATM |
6 free then $1.00 per transaction |
6 free then $1.00 per transaction |
Bill Payer |
Free ($4.75 for plus program) |
Free ($4.75 for plus program) |
Coin Counting |
First $50.00 is no charge ($1/$25over $50) |
Free |
Travelers’ Cheques |
$1.00 per $100
Checks for two is $1.50 per $100 |
Free |
Loan Skip-a-Pay |
$40.00 |
1 free/year |
Monthly Maintenance Fee |
None |
None |
Annual Maintenance Fee |
None |
None |
ODLOC (Loan 90) |
$20/year |
None |
Certificate Bonus Rate |
None |
0.25%
(Single maturity only) |
Consumer Loan Rate Discount |
None |
0.25% |
Guaranteed Check |
More than 2 per month is $3/each |
Free |
Wire Transfers
Incoming:
Outgoing:
International: |
$5.00
$15.00
$40.00 |
Free
$10.00
$20.00 |
Photo Copies |
Free |
Free |
Checkbook Balancing |
$20.00/hr. |
Free |
Statement Histories |
$2.00/statement |
Free |
Stop Payments |
$15.00 per check or per block of checks |
Free |
Check Copies |
$2.00 each |
Free |
Y.A.H. (Waive Fee) |
$10.00/yr. |
Free |
Telephone Transfer |
$3.00 |
Free |