Credit union · NCUA insured
Heartland Credit Union CD Rates
Heartland Credit Union’s best CD rate is 4.25% APY on a 14-month 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 Madison, WI, where Heartland Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heartland Credit Union
4.25%APY
- Term
- 14 months
- Minimum
- $500
- Earns on $10,000
- $498
Certificate
Top rate
Madison Fire Department Credit Union
4.55%APY
- Term
- 16 months
- Minimum
- —
- Earns on $10,000
- $611
2nd-highest rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $604
Heartland Credit Union CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo1.30%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.25%
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 4.25%APY · 10 terms
Certificates rates are fixed for the term when the account is opened. Early withdrawal penalties may apply. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.60% | $15 |
| 6 months | 1.30% | $65 |
| 9 monthsSpecial rate certificate; auto renews for a subsequent 12 month term at current rates | 4.00% | $299 |
| 12 months | 2.50% | $250 |
| 12 monthsAdd-on certificate option allowing funds to be added to balance as it grows | 2.25% | $225 |
| 14 monthsSpecial rate certificate; auto renews for a subsequent 12 month term at current rates | 4.25% | $498 |
| 18 months | 2.55% | $385 |
| 24 months | 3.60% | $733 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (1)
- heartlandcu.org/accounts/savings/certificates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 4.25%APY · 10 terms
Available as Traditional, Roth, SEP, or Coverdell certificate. Certificate rates are fixed for the term when the account is opened. Early withdrawal penalties may apply. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.60% | $15 |
| 6 months | 1.30% | $65 |
| 9 monthsSpecial rate certificate; auto renews for a subsequent 12 month term at current rates | 4.00% | $299 |
| 12 months | 2.50% | $250 |
| 12 monthsAdd-on certificate option | 2.25% | $225 |
| 14 monthsSpecial rate certificate; auto renews for a subsequent 12 month term at current rates | 4.25% | $498 |
| 18 months | 2.55% | $385 |
| 24 months | 3.60% | $733 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 5, 2026
HSA Certificate
2.00%APY · 1 term
Available to high-deductible health plan (HDHP) participants. No monthly or annual service fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.00% | $200 |
Sources (2)
All captured Oct 5, 2026
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 open to individuals who live, work, worship, or attend school in southern Wisconsin.
Family and household
- Membership is open to immediate family members of current members.
Cost to join
- An initial deposit is required upon approval of the account request.
Membership information collected October 5, 2026.