Heartland Credit Union CD Rates

How Heartland Credit Union’s CD rates compare

Compared with banks and credit unions near Minneapolis, MN-WI, where Heartland Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Heartland Credit Union
4.00%APY
Term
7 months
Minimum
$500
Earns on $10,000
$231
Certificate of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
Term
9 months
Minimum
—
Earns on $10,000
$668
SouthPoint Financial Credit Union rates
2nd-highest rate
Woodlands National Bank
4.87%APY
Term
60 months
Minimum
$1,000
Earns on $10,000
$2,684
Woodlands National Bank rates

Compare CD rates near you →

75

CD score

Higher than 40% of U.S. banks and credit unions

By term

3–8 months3–8 mo4.00%
9–15 months9–15 mo2.50%
16–30 months16–30 mo2.50%
31–60 months31–60 mo2.75%
QualifiedQualified4.00%

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.

How the score works →

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 of Deposit

Up to 4.00%APY · 8 termsPromotionalFrom $500 to open

No monthly maintenance fees. Minimum opening deposit $500.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 months	1.75%	$87
7 months7 Month CD Special: Rate effective 10/21/2026. At maturity, the balance of the certificate will automatically roll into a 6 month term certificate at the current rate at that time. Offer subject to change	4.00%	$231
12 months	2.25%	$225
18 months	2.25%	$339
24 months	2.00%	$404
36 months	2.00%	$612
48 months	2.25%	$931
60 months	2.25%	$1,177

Sources (2)

All captured Oct 16, 2026

Jumbo - CD

Up to 3.00%APY · 8 termsPromotional

Marketwatcher option allows you to increase your rate during the term one time to the current Heartland rate by notifying us and adding $1,000 to your certificate; maturity date remains the same. Grace period of 10 calendar days after maturity to withdraw funds without penalty.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 months	2.00%	$100
7 months7-Month-Special. No min. to open. At maturity, the balance of the certificate will automatically roll into a six month term certificate at the current rate at that time. Offer subject to change. Marketwatcher feature not available	3.00%	$174
12 months	2.50%	$250
18 months	2.50%	$377
24 months	2.25%	$455
36 months	2.25%	$690
48 months	2.75%	$1,146
60 months	2.75%	$1,453

Sources (1)

heartlandcu.com/accounts/certificate-of-deposit · captured Sep 18, 2026

Special-purpose accounts

IRA CD

Up to 3.25%APY · 8 termsIRAPromotionalFrom $500 to open

No monthly maintenance fees.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 months	1.75%	$87
12 months	2.25%	$225
13 months13-Month Special. At maturity, the balance of the certificate will automatically roll into a 12 month term certificate at the current rate at that time. Offer subject to change	3.25%	$353
18 months	2.25%	$339
24 months	2.00%	$404
36 months	2.00%	$612
48 months	2.25%	$931
60 months	2.25%	$1,177

Sources (2)

All captured Sep 18, 2026

Jumbo - IRA CD

Up to 3.00%APY · 8 termsIRAPromotional