Credit union · NCUA insured
Iowa Heartland Credit Union Savings Rates
Iowa Heartland Credit Union’s best savings rate is 1.00% APY on $10,000, with its 30 Day Money Market. Rates checked October 16, 2026.
How Iowa Heartland Credit Union’s savings 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
1.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $100
30 Day Money Market
Top rate
CENT Credit Union
3.55%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $355
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Iowa Heartland Credit Union savings score
85
Savings score
Higher than 69% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.00%
- QualifiedQualified1.00%
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.
Where Iowa 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.
30 Day Money Market
1.00%APY
Dividends are earned monthly. Rates are subject to change at every dividend period (30 days). No time restrictions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upDividends are earned monthly. Minimum balance of $500.00.$500 and up | 1.00% | $100 | Dividends are earned monthly. Minimum balance of $500.00. |
Sources (2)
All captured Sep 18, 2026
Share (Savings) Account
0.05%APY
Basic savings account giving ownership and membership privileges. A minimum of $25.00 must stay in this account at all times.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum $1.00 for rate/APY. A $10.00 fee applies if share account is closed in first 60 days.$1 and up | 0.05% | $5 | Minimum $1.00 for rate/APY. A $10.00 fee applies if share account is closed in first 60 days. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Christmas Club
1.01%APY
Open with any amount and add to it anytime or make automatic transfers.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarly Christmas Club closing fee of $5.00 applies.Any balance | 1.01% | $101 | Early Christmas Club closing fee of $5.00 applies. |
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.