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Heartland Credit Union (KS)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.hcu.coop
800-428-8472
4000 N Monroe St
Hutchinson, KS 67502

Heartland Credit Union (KS) is headquartered in Hutchinson and is the 8th largest credit union in the state of Kansas. It is also the 638th largest credit union in the nation. It was established in 1948 and as of March of 2025, it had grown to 137 employees and 39,695 members at 11 locations. Heartland Credit Union (KS)'s money market rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Heartland Credit Union is open to who live, work, worship, or are paid from the Kansas counties of Atchison, Barton, Butler, Clay, Cloud, Cowley, Douglas, Edwards, Ellis, Ellsworth, Finney, Ford, Geary, Graham, Harvey, Hodgeman, Jackson, Jefferson, Jewell, Johnson, Kingman, Kiowa, Leavenworth, Lincoln, Lyon, Marion, McPherson, Miami, Mitchell, Morris, Ness, Osborne, Ottawa, Pawnee, Pottawatomie, Pratt, Reno, Rice, Riley, Rooks, Rush, Russell, Saline, Sedgewick, Shawnee, Stafford, Sumner, Trego, Wabaunsee, or Wyandotte. Employees, retirees, and patrons of more than 35 SEGs are also eligible to join. Family members of current Heartland Credit Union membership also qualify for membership.
See current membership details

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #62031
Year Chartered1948
Employees137
Primary Regulator
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD7.18%
Annual Interest Income$9.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$654.4MM$631.7MM
LoansQ1 2025vs Q1 2024$552.9MM$527.6MM
DepositsQ1 2025vs Q1 2024$564.6MM$543.4MM
Equity CapitalQ1 2025vs Q1 2024$55.8MM$54MM
Loan Loss AllowanceQ1 2025vs Q1 2024$7MM$5.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$5.6MM$5.8MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Heartland Credit Union (KS); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heartland Credit Union (KS) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$100-HSA Share
0.05%$100-Prime Share
0.05%$25-Gateway Savings
0.05%$0-Business Share Account
0.05%$25-Smart Start Savings

Heartland Credit Union (KS) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*$1m*-Money Market
OTHER TIERS: 0.05% → $10k - $25k | 1.00% → $25k - $50k | 1.10% → $50k - $100k | 1.50% → $100k - $250k | 1.70% → $250k - $500k | 2.00% → $500k - $1m
2.25%*$1m*-Business Money Market
OTHER TIERS: 0.05% → $10k - $25k | 1.00% → $25k - $50k | 1.10% → $50k - $100k | 1.50% → $100k - $250k | 1.70% → $250k - $500k | 2.00% → $500k - $1m
0.35%*$10k*-Investment Shares
OTHER TIERS: 0.05% → $100 - $2.5k | 0.20% → $2.5k - $10k
0.35%*$10k*-Business Investment Share
OTHER TIERS: 0.05% → $100 - $2.5k | 0.20% → $2.5k - $10k

Heartland Credit Union (KS) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$0$5kBeyond Ultimate Checking
OTHER TIERS: 0.10% → $25k+ | 0.20% → $10k - $25k | 0.35% → $5k - $10k
0.15%*$50k*-Advantage Business Checking
OTHER TIERS: 0.05% → $2.5k - $25k | 0.10% → $25k - $50k

Heartland Credit Union (KS) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.30%*$250k*-6 Month Certificate
OTHER TIERS: 4.25% → $500 - $250k
4.30%*$250k*-6 Month HSA Certificate
OTHER TIERS: 4.25% → $500 - $250k
4.30%*$250k*-60 Month Certificate
OTHER TIERS: 4.25% → $500 - $250k
4.30%*$250k*-60 Month HSA Certificate
OTHER TIERS: 4.25% → $500 - $250k
4.30%*$250k*-6 Month Smart Start Saver Certificate
OTHER TIERS: 4.25% → $100 - $250k
4.30%*$250k*-60 Month Smart Start Saver Certificate
OTHER TIERS: 4.25% → $100 - $250k
4.30%*$250k*-6 Month Gateway Certificate
OTHER TIERS: 4.25% → $100 - $250k
4.30%*$250k*-60 Month Gateway Certificate
OTHER TIERS: 4.25% → $100 - $250k
3.95%*$250k*-36 Month Certificate
OTHER TIERS: 3.90% → $500 - $250k
3.95%*$250k*-36 Month HSA Certificate
OTHER TIERS: 3.90% → $500 - $250k
3.95%*$250k*-48 Month Certificate
OTHER TIERS: 3.90% → $500 - $250k
3.95%*$250k*-48 Month HSA Certificate
OTHER TIERS: 3.90% → $500 - $250k
3.95%*$250k*-36 Month Smart Start Saver Certificate
OTHER TIERS: 3.90% → $100 - $250k
3.95%*$250k*-48 Month Smart Start Saver Certificate
OTHER TIERS: 3.90% → $100 - $250k
3.95%*$250k*-36 Month Gateway Certificate
OTHER TIERS: 3.90% → $100 - $250k
3.95%*$250k*-48 Month Gateway Certificate
OTHER TIERS: 3.90% → $100 - $250k
3.80%*$250k*-24 Month Certificate
OTHER TIERS: 3.75% → $500 - $250k
3.80%*$250k*-24 Month HSA Certificate
OTHER TIERS: 3.75% → $500 - $250k
3.80%*$250k*-24 Month Smart Start Saver Certificate
OTHER TIERS: 3.75% → $100 - $250k
3.80%*$250k*-24 Month Gateway Certificate
OTHER TIERS: 3.75% → $100 - $250k
3.05%*$250k*-12 Month Certificate
OTHER TIERS: 3.00% → $500 - $250k
3.05%*$250k*-12 Month HSA Certificate
OTHER TIERS: 3.00% → $500 - $250k
3.05%*$250k*-12 Month Smart Start Saver Certificate
OTHER TIERS: 3.00% → $100 - $250k
3.05%*$250k*-12 Month Gateway Certificate
OTHER TIERS: 3.00% → $100 - $250k
3.03%$100-30 Month Add-On Smart Start Saver Certificate
3.03%$100-30 Month Add-On Gateway Certificate
3.03%$500-30 Month Add-On Certificate
0.20%*$250k*-3 Month Certificate
OTHER TIERS: 0.15% → $500 - $250k
0.20%*$250k*-3 Month HSA Certificate
OTHER TIERS: 0.15% → $500 - $250k
0.20%*$250k*-3 Month Smart Start Saver Certificate
OTHER TIERS: 0.15% → $100 - $250k
0.20%*$250k*-3 Month Gateway Certificate
OTHER TIERS: 0.15% → $100 - $250k

Heartland Credit Union (KS) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.30%*$250k*-6 Month IRA Certificate
OTHER TIERS: 4.25% → $500 - $250k
4.30%*$250k*-60 Month IRA Certificate
OTHER TIERS: 4.25% → $500 - $250k
3.95%*$250k*-36 Month IRA Certificate
OTHER TIERS: 3.90% → $500 - $250k
3.95%*$250k*-48 Month IRA Certificate
OTHER TIERS: 3.90% → $500 - $250k
3.80%*$250k*-24 Month IRA Certificate
OTHER TIERS: 3.75% → $500 - $250k
3.05%*$250k*-12 Month IRA Certificate
OTHER TIERS: 3.00% → $500 - $250k
0.25%$0-IRA Share
0.20%*$250k*-3 Month IRA Certificate
OTHER TIERS: 0.15% → $500 - $250k
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