Credit union · NCUA insured
Iowa Heartland Credit Union CD Rates
Iowa Heartland Credit Union’s best CD rate is 3.74% APY on a 6-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How Iowa Heartland Credit Union’s CD rates compare
Compared with banks and credit unions near Mason City, IA, where Iowa Heartland Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Iowa Heartland Credit Union
3.74%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $185
Certificates of Deposit
Top rate
CENT Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $5,000
- Earns on $10,000
- $920
2nd-highest rate
Clear Lake Bank and Trust Company
4.27%APY
- Term
- 9 months
- Minimum
- $5,000
- Earns on $10,000
- $319
Iowa Heartland Credit Union CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo3.74%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.10%
- QualifiedQualified3.74%
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 Iowa 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.
Certificates of Deposit
Up to 3.74%APY · 6 terms
Dividends are paid Quarterly on all CDs. Minimum deposit of $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid quarterly | 3.74% | $185 |
| 12 monthsDividends paid quarterly | 3.45% | $345 |
| 18 monthsDividends paid quarterly | 3.15% | $476 |
| 24 monthsDividends paid quarterly | 3.00% | $609 |
| 36 monthsDividends paid quarterly | 3.00% | $927 |
| 48 monthsDividends paid quarterly | 3.10% | $1,299 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
3.00%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 months | 3.00% | $767 |
Sources (2)
All captured Sep 18, 2026
Who can join Iowa 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who reside or work in Butler, Cerro Gordo, Floyd, Franklin, Hancock, Mitchell, Winnebago, Worth, or Wright County in North Iowa are eligible for membership.
Family and household
- Immediate family members of an existing Iowa Heartland Credit Union member are eligible to join.
Cost to join
- A $25.00 deposit is required to open a Share (Savings) Account and purchase one share of ownership in Iowa Heartland Credit Union.
Membership information collected October 4, 2026.