Credit union · NCUA insured
Heartland Credit Union Savings Rates
Top CarrotHeartland Credit Union’s best savings rate is 0.35% APY on $10,000, with its Investment Shares. Rates checked October 16, 2026.
How Heartland Credit Union’s savings 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
0.35%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $35
Investment Shares
Top rate
Credit Union of America
3.25%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Bank of the Plains
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $200
Heartland Credit Union savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.35%
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.
Money Market
0.05%APY
Membership required. Minimum balance of $10,000 required to earn dividends. Up to 6 withdrawals per month, including checks. Can be opened as a Trust account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $24,999Membership required. Rates subject to change daily. | 0.05% | $5 | Membership required. Rates subject to change daily. |
| $25,000 – $49,999Membership required. Rates subject to change daily. | 1.00% | — | Membership required. Rates subject to change daily. |
| $50,000 – $99,999Membership required. Rates subject to change daily. | 1.10% | — | Membership required. Rates subject to change daily. |
| $100,000 – $249,999Membership required. Rates subject to change daily. | 1.50% | — | Membership required. Rates subject to change daily. |
| $250,000 – $499,999Membership required. Rates subject to change daily. | 1.70% | — | Membership required. Rates subject to change daily. |
| $500,000 – $999,999Membership required. Rates subject to change daily. | 2.00% | — | Membership required. Rates subject to change daily. |
| $1,000,000 and upMembership required. Rates subject to change daily. | 2.25% | — | Membership required. Rates subject to change daily. |
Investment Shares
0.35%APY
Tiered savings account with full access to funds and up to 6 withdrawals per month. No time commitment or early withdrawal penalty.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $2,499 | 0.05% | — |
| $2,500 – $9,999 | 0.20% | — |
| $10,000 – $24,999 | 0.35% | $35 |
| $25,000 and up | 0.35% | — |
Prime Share Savings
0.05%APY
Heartland Credit Union membership account; required before opening any other HCU account. Open to individuals living, working, worshipping, or paid in eligible Kansas counties, family members, and select employee/association groups.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid on balances over $100.$100 and up | 0.05% | $5 | Dividends paid on balances over $100. |
Special-purpose accounts
Health Savings Account (HSA)
0.25%APY
Available to members age 18 and older with an eligible High Deductible Health Plan (HDHP). Includes HSA debit card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upApplies to HSA balances over $100.$100 and up | 0.25% | $25 | Applies to HSA balances over $100. |
IRA Shares
0.25%APY
Available as Traditional IRA, Roth IRA, and Coverdell Education IRA options.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Gateway Savings
0.05%APY
Youth savings account for members ages 13–18. Cash grade bonus of $5 per A and $4 per B (up to $25/semester, $50/year).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarns dividends automatically on balances over $25.$25 and up | 0.05% | $5 | Earns dividends automatically on balances over $25. |
Smart Start Savings
0.05%APY
Youth savings account for children ages 12 and under. Earns $1 bonus for every $20 deposited.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance of $25 to earn dividends.$25 and up | 0.05% | $5 | Minimum balance of $25 to earn dividends. |
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.