Credit union · NCUA insured
Heartland Credit Union CD Rates
Top CarrotHeartland Credit Union’s best CD rate is 4.55% APY on a 4-year 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 Hutchinson, KS, where Heartland Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heartland Credit Union
4.50%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $1,925
Certificate
2nd-highest rate
Credit Union of America
4.30%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $917
3rd-highest rate
Envista Federal Credit Union
4.25%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,330
Heartland Credit Union CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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.
Certificate
Up to 4.50%APY · 7 terms
Minimum $500 opening deposit ($100 for youth accounts). Penalty for early withdrawal may reduce earnings. Rates accurate as of 9.24.2026.
| Term | APY · $500 – $249,999 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 0.15% | 0.20% | 0.15%0.20% from $250k | $4 |
| 6 months | 2.50% | 2.55% | 2.50%2.55% from $250k | $124 |
| 12 months | 2.50% | 2.55% | 2.50%2.55% from $250k | $250 |
| 24 months | 3.00% | 3.05% | 3.00%3.05% from $250k | $609 |
| 36 months | 3.00% | 3.05% | 3.00%3.05% from $250k | $927 |
| 48 months | 4.50% | 4.55% | 4.50%4.55% from $250k | $1,925 |
| 60 months | 3.00% | 3.05% | 3.00%3.05% from $250k | $1,593 |
Sources (1)
- hcu.coop/certificates · captured Oct 16, 2026
11-Month Promo Certificate
4.25%APY · 1 term
Membership required. Penalty for early withdrawal may reduce earnings. Minimum $500 opening deposit ($100 for youth accounts). Rates subject to change.
| Term | APY · $500 – $249,999 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 11 months | — | 4.30% | —4.30% from $250k | — |
| 11 monthsOpening deposit $500 minimum ($100 for youth accounts) | 4.25% | — | 4.25% | $389 |
Sources (1)
- hcu.coop/certificates · captured Oct 16, 2026
16-Month Promo Certificate
4.00%APY · 1 term
Minimum $500 opening deposit, $100 for youth accounts. Penalty for early withdrawal may reduce earnings. Rates accurate as of 9.24.2026.
| Term | APY · $500 – $249,999 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 16 months | 4.00% | 4.05% | 4.00%4.05% from $250k | $537 |
Sources (1)
- hcu.coop/certificates · captured Oct 16, 2026
Add-On Certificate
3.03%APY · 1 term
$500 minimum investment ($100 for youth accounts, $50 with automatic deposit). Add on anytime without resetting term or rate. Add-on minimum is $500 in person/phone ($100 for youth); no minimum for add-ons via online banking, direct deposit, or automatic transfer. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 months$500 minimum opening deposit ($50 with automatic deposit; $100 for youth accounts). Add funds anytime without extending term | 3.03% | $775 |
Special-purpose accounts
IRA Certificate
Up to 4.25%APY · 9 terms
Includes Traditional, Roth, Coverdell, and SEP accounts. The minimum investment for an IRA certificate is $500.00. Dividends compounded and paid quarterly; applying dividends to a separate account changes APY to equal rate. Monthly dividend payouts available on certificates of $25,000+ (not available on 3 and 6 month IRAs). SEP Certificates not available in 3 month terms.
| Term | APY · $500 – $249,999 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsSEP Certificates not available in 3 month terms. Monthly payouts not available on 3 and 6 month IRAs | 0.15% | 0.20% | 0.15%0.20% from $250k | $4 |
| 6 monthsMonthly payouts not available on 3 and 6 month IRAs | 2.50% | 2.55% | 2.50%2.55% from $250k | $124 |
| 11 months | 4.25% | 4.30% | 4.25%4.30% from $250k | $389 |
| 12 months | 2.50% | 2.55% | 2.50%2.55% from $250k | $250 |
| 16 months | 4.00% | 4.05% | 4.00%4.05% from $250k | $537 |
| 24 months | 3.00% | 3.05% | 3.00%3.05% from $250k | $609 |
| 36 months | 3.00% | 3.05% | 3.00%3.05% from $250k | $927 |
| 48 months | 4.25% | 4.30% | 4.25%4.30% from $250k | $1,811 |
| 60 months | 3.00% | 3.05% | 3.00%3.05% from $250k | $1,593 |
Sources (1)
- hcu.coop/rates · captured Sep 18, 2026
Who can join Heartland Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.