Credit union · NCUA insured
Heartland Credit Union Savings Rates
Top CarrotHeartland Credit Union’s best savings rate is 1.61% APY on $10,000, with its Basic Money Market. Rates checked October 16, 2026.
How Heartland Credit Union’s savings 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
1.61%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $161
Basic Money Market
Top rate
INB
3.45%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $345
2nd-highest rate
CEFCU
2.40%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $240
Heartland Credit Union savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.61%
- $100,000 balance$100,0002.94%
- QualifiedQualified1.61%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Platinum Money Market
1.00%APY
Rates for approved members. Account is for balances of $25,000 or more. No fees to maintain the account and no withdrawal fees. Dividends compound and pay monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 1.00% | $100 |
| $25,000 – $50,000 | 2.43% | — |
| $50,000 – $100,000 | 2.63% | — |
| $100,000 – $250,000 | 2.94% | — |
| $250,000 and up | 3.20% | — |
Sources (1)
- hcu.org/accounts/money-markets · captured Oct 6, 2026
Basic Money Market
1.61%APY
Rates for approved members. No fees to maintain the account and no withdrawal fees. Dividends compound and pay monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.00% | — |
| $2,000 – $10,000 | 1.21% | — |
| $10,000 – $25,000 | 1.61% | $161 |
| $25,000 and up | 2.38% | — |
Sources (1)
- hcu.org/accounts/money-markets · captured Oct 6, 2026
Round Up Savings
2.02%APY
Available only to members with an HCU Checking Account and HCU Check Card. Purchases made with the Check Card are rounded up to the nearest dollar and transferred daily into the account. Additional deposits cannot be made. Withdrawals are not permitted; withdrawing funds results in account closure. Accumulated funds are transferred to the primary share savings account on December 31.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires an HCU Checking Account with an HCU Check Card. Additional deposits and manual withdrawals are not permitted. Funds transfer to primary savings on December 31.Any balance | 2.02% | $202 | Requires an HCU Checking Account with an HCU Check Card. Additional deposits and manual withdrawals are not permitted. Funds transfer to primary savings on December 31. |
Savings Account
0.85%APY
Primary savings account and basic building block for all HCU accounts. Minimum opening deposit of $6 ($5 deposit plus a one-time $1 membership fee). Minimum balance is $5. No monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compound and pay monthly on balances of $100 and above for members age 18 and older. $5 returned upon leaving HCU.$100 and up | 0.85% | $85 | Dividends compound and pay monthly on balances of $100 and above for members age 18 and older. $5 returned upon leaving HCU. |
Special-purpose accounts
IRA Savings Account
1.06%APY
Offered under Traditional and Roth IRA plans. Minimum opening deposit of $10. Dividends compound and pay monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening deposit of $10. Dividends compound and pay monthly. Available as Traditional or Roth IRA.Any balance | 1.06% | $106 | Minimum opening deposit of $10. Dividends compound and pay monthly. Available as Traditional or Roth IRA. |
Christmas Club
0.90%APY
Funds are accessible on or about October 1 each year. Two withdrawals are allowed before September 30 but result in the loss of all dividends earned. Dividends compound and pay monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds available on or about October 1. Two withdrawals allowed before September 30 with forfeiture of all dividends earned.Any balance | 0.90% | $90 | Funds available on or about October 1. Two withdrawals allowed before September 30 with forfeiture of all dividends earned. |
Vacation Club
0.90%APY
Funds are accessible on or about February 28 each year. One withdrawal is allowed before March 1; additional withdrawals require the account to be closed. Dividends compound and pay monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds available on or about February 28. One withdrawal allowed before March 1; additional withdrawals require account closure.Any balance | 0.90% | $90 | Funds available on or about February 28. One withdrawal allowed before March 1; additional withdrawals require account closure. |
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.