Credit union · NCUA insured
Heartland Credit Union Savings Rates
Heartland Credit Union’s best savings rate is 0.15% APY on $10,000, with its Platinum Money Manager. Rates checked October 16, 2026.
How Heartland Credit Union’s savings 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
0.15%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $15
Platinum Money Manager
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Heartland Credit Union savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0001.75%
- QualifiedQualified0.15%
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.
Round Up Savings
0.10%APY
Debit card purchases are rounded up to the nearest dollar and deposited into the Round Up Savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 10.00% | — |
| $1,000 – $5,000 | 5.00% | — |
| Over $5,000 | 0.10% | $10 |
Sources (1)
- heartlandcu.org/accounts/savings/round-up · captured Oct 16, 2026
Heartland Money Market
Up to 3.00%APY
No maintenance fee. Dividends compound and pay monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50,000 – $99,999 | 1.00% | — |
| $100,000 – $149,999 | 1.50% | — |
| $150,000 – $199,999 | 2.00% | — |
| $200,000 and up | 3.00% | — |
Sources (1)
- heartlandcu.org/accounts/savings/money-market-accounts · captured Oct 5, 2026
Platinum Money Manager
0.15%APY
No maintenance fee. Dividends compound and pay monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24,999 | 0.15% | $15 |
| $25,000 – $49,999 | 0.25% | — |
| $50,000 – $99,999 | 0.50% | — |
| $100,000 – $199,999 | 1.75% | — |
| $200,000 – $499,999 | 2.00% | — |
| $500,000 and up | 2.25% | — |
Sources (1)
- heartlandcu.org/accounts/savings/money-market-accounts · captured Oct 5, 2026
Membership Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100.$100 and up | 0.10% | $10 | Minimum balance to earn dividends is $100. |
Sources (2)
- heartlandcu.org/accounts/savings/savers-sweepstakes
- heartlandcu.org/accounts/savings/savings-accounts
All captured Oct 16, 2026
Saver's Sweepstakes Savings
0.10%APY
For every $25 increase in month-over-month balance, earn one entry into drawings, up to 6 entries monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn dividends is $25.$25 and up | 0.10% | $10 | Minimum balance to earn dividends is $25. |
Sources (1)
- heartlandcu.org/accounts/savings/savers-sweepstakes · captured Oct 16, 2026
Special Purpose Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum balance to earn dividends is $200.$200 and up | 0.10% | $10 | Minimum balance to earn dividends is $200. |
Sources (2)
- heartlandcu.org/accounts/savings/savers-sweepstakes
- heartlandcu.org/accounts/savin…-purpose-savings-account
All captured Oct 16, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.22%APY
Available to high-deductible health plan (HDHP) participants.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $250 | 0.10% | — |
| $250 – $2,500 | 0.15% | — |
| $2,500 – $5,000 | 0.17% | — |
| $5,000 – $15,000 | 0.22% | $22 |
| $15,000 and up | 0.25% | — |
Sources (1)
- heartlandcu.org/accounts/savings/health-savings · captured Oct 16, 2026
IRA/Education Savings
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100.$100 and up | 0.15% | $15 | Minimum balance to earn dividends is $100. |
Sources (2)
All captured Oct 16, 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.