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Savings

Savings Accounts

It all starts with savings. At Heartland Credit Union, your primary savings account is the basic building block of all of your accounts. It will be the first account you open at HCU. 

Open an HCU savings account with as little as a $6 initial deposit. ($5 plus a one-time, $1 membership fee.) If for any reason you leave HCU, your $5 will be returned to you.

The minimum balance of a savings account is just $5. Dividends compound and pay monthly on balances of $100 and above (18 and older). Transfers and third-party withdrawals from savings accounts (regular share and money market accounts) are limited to six (6) per month. 

Benefits of the HCU Savings Account

  • No monthly service charge
  • Balance can be used for loan collateral
  • Easy to read quarterly statements
  • Minimum balance is just $5

Check Current Rates

Christmas Club

Do you find it tough to save for Christmas gift shopping? Earn dividends all year and lessen the worry of Christmas shopping -- open a Christmas account. Members can access the money on or about October 1 of each year, just in time for those early shoppers.

Benefits of the HCU Christmas Club

  • Dividends compound and pay monthly
  • Deposit any amount, any time, through any means, including direct deposit, CU*Talk transfers, and online transfers
  • Account balance can be directly transferred to the account of your choice, giving immediate access for shopping
  • Two withdrawals are allowed before September 30 but would result in the loss of all dividends earned.

Check Current Christmas Club Rates

Vacation Club

Start saving now for your next vacation with HCU’s Vacation Club Account. The money is available to the member on or about February 28 of each year, just in time for spring break and summer vacations.

Benefits of the HCU Vacation Club

  • Dividends compound and pay monthly.
  • Deposit any amount, any time, through any means, including direct deposit, CU*Talk transfers, and online transfers
  • Balance of account can be directly transferred to the account of your choice, giving immediate access for a well-deserved vacation.
  • One withdrawal is allowed before March 1. Any additional withdrawals will require the account to be closed.

Check Current Vacation Club Rates

Round Up Savings Club

Save a little bit at a time. Every time you use Check Card, the transaction will be rounded up to the nearest dollar.  At the end of each business day, the cumulative round up amount will be deposited into your club account.  For example: If you purchase coffee for $1.07, at the end of the day $.93 cents will be transferred from checking to the Round Up savings account. 

Benefits of the HCU Round Up Club

  • Earn a competitive dividend rate on Round Up deposits
  • Funds from the Club Account will be available on December 31st (transferred to your main share savings)

*Additional deposits cannot be made into the Round Up savings club account. Funds cannot be withdrawn from this account, if funds are withdrawn the account will be closed.  The Round Up Savings is only available to members with an HCU Checking Account with an HCU Check Card. Round up deposits will only happen if you have sufficient funds available, your account will not be drawn negative. Funds will be transferred to your HCU Main Savings account on December 31st.  If more than one check card is tied to your account, all check card transactions will be rounded up at the end of the day. 

Check Current Round Up Club Rates

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