Credit union · NCUA insured
Heartland Credit Union Savings Rates
Heartland Credit Union’s best savings rate is 2.55% APY on $10,000, with its High-Yield Savings. Rates checked October 16, 2026.
How Heartland Credit Union’s savings 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
2.55%APY
- Minimum
- $0
- Earns on $10,000 a year
- $255
High-Yield Savings
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Heartland Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0002.55%
- $100,000 balance$100,0002.55%
- QualifiedQualified2.55%
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.
High-Yield Savings
2.55%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.75% | — |
| $10,000 and up | 2.55% | $255 |
Sources (3)
- heartlandcu.com
- heartlandcu.com/accounts/savings-overview
- heartlandcu.com/accounts/savin…rview/high-yield-savings
All captured Oct 5, 2026
Money Market
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.10% | — |
| $10,000 – $50,000 | 0.25% | $25 |
| $50,000 – $100,000 | 0.40% | — |
| $100,000 and up | 0.50% | — |
Primary Savings
0.05%APY
Required for membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 5, 2026
Secondary Savings Accounts
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Youth Savings
2.55%APY
Designed for children/youth.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 2.55% | $255 |
Sources (2)
All captured Oct 5, 2026
IRA and Coverdell Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 – $10,000 | 0.05% | — |
| $10,000 and up | 0.05% | $5 |
Sources (1)
- heartlandcu.com · captured Oct 5, 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.