Credit union · NCUA insured
Heartland Credit Union CD Rates
Top CarrotHeartland Credit Union’s best CD rate is 3.71% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Heartland Credit Union’s CD rates compare
Compared with banks and credit unions near Springfield, IL, where Heartland Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heartland Credit Union
3.71%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $403
Certificates of Deposit
Top rate
Longview Community Bank
4.70%APY
- Term
- 15 months
- Minimum
- $10,000
- Earns on $10,000
- $591
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Heartland Credit Union CD score
82
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.71%
- 16–30 months16–30 mo3.71%
- 31–60 months31–60 mo3.71%
- QualifiedQualified3.71%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Heartland Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.71%APY · 16 terms
Terms range from 3 months to 60 months. $1,000 minimum amount to open. Dividends compound and pay monthly. Early withdrawal penalties apply.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months$1,000.00 minimum balance is required. 90 day early withdrawal penalty. Rates for approved members | 3.51% | — | 3.51% | $87 |
| 6 months$1,000.00 minimum balance is required. 90 day early withdrawal penalty. Rates for approved members | 3.56% | — | 3.56% | $176 |
| 7 monthsMinimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members | 3.56% | — | 3.56% | $206 |
| 11 monthsMinimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members | 3.61% | — | 3.61% | $330 |
| 12 monthsMinimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members | 3.66% | — | 3.66% | $366 |
| 13 monthsMinimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members | 3.71% | — | 3.71% | $403 |
| 14 monthsMinimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members | 3.71% | — | 3.71% | $434 |
| 15 monthsMinimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members | 3.71% | — | 3.71% | $466 |
| 16 monthsMinimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members | 3.71% | — | 3.71% | $498 |
| 17 monthsMinimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members | 3.71% | — | 3.71% | $530 |
| 18 monthsMinimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members | 3.71% | — | 3.71% | $562 |
| 24 monthsMinimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members | 3.71% | — | 3.71% | $756 |
| 30 monthsMinimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members | 3.71% | — | 3.71% | $953 |
| 36 monthsMinimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members | 3.71% | — | 3.71% | $1,155 |
| 48 monthsMinimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members | 3.61% | — | 3.61% | $1,524 |
| 60 monthsMinimum balance of $10,000 in required. 180 day early withdrawal penalty. Rates for approved members | — | 3.56% | 3.56% | $1,911 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Kid/Teen Club Add-On Certificate of Deposit
3.87%APY · 1 term
$25.00 minimum balance required. Must be a Kid/Teen Club Member to qualify for rates. Rates for approved members.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust be a Kid/Teen Club Member to qualify for rates. $25.00 minimum balance required. Rates for approved members | 3.87% | $387 |
Sources (1)
- hcu.org/loans-and-rates/savings-rates · captured Oct 16, 2026
Who can join Heartland Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who resides or works in Cass, Macoupin, Christian, Madison, Dewitt, Menard, Logan, Montgomery, McLean, Morgan, Macon, or Sangamon County.
Employers and groups
- Membership is available to individuals employed by Memorial Health System and controlled affiliates of Memorial Health System.
- Membership is available to members of Gospel Kingdom Church.
- Membership is available to members of a Laborers' Local belonging to any District Council part of the Midwest Region of the Laborers International Union of North America (LIUNA).
Military, government and schools
- Membership is available to individuals employed by Southern Illinois Airport Authority.
- Membership is available to individuals employed by SIU School of Medicine.
3 more ways to join
Military, government and schools
- Membership is available to individuals employed by Springfield Mass Transit District.
- Membership is available to individuals employed by the United States Government.
Family and household
- Membership is available to immediate family members, including relatives by blood or marriage, or foster and adopted children, of someone who is eligible to join the credit union.
Membership information collected October 5, 2026.