Heartland Credit Union Celebrates 75 Years With 17-Month CD Special


Deal Summary: 17-month Certificate Special, 5.75% APY, $500 minimum opening deposit.

Availability: Easy membership requirement

Kansas-based Heartland Credit Union (Heartland CU) is celebrating its 75th anniversary by offering a 17-month Certificate Special with a near rate-leading 5.75% APY. The minimum opening deposit is $500, but a Youth Certificate Special (members 24 years or younger) can be opened with a $100 minimum deposit.

Early Withdrawal Penalty

The Truth-in-Savings disclosure for Certificates is no longer available on the Heartland CU website. According to CSR, the Early Withdrawal Penalty for the 17-month Certificate Special is 180 days of dividends on the amount withdrawn, with partial withdrawals allowed. The principal will be reduced if a withdrawal is made within 6 months of account opening.


Headquartered in Hutchinson, Kansas, Heartland Credit Union’s field of membership (FOM) provides a way to join for virtually any U.S. citizen/resident alien who has a valid Social Security number.

The Membership Eligibility page lists four paths to membership.

Question #4: “Are you (OR a family member) working in or are you/they retired from one of the following occupations?” The 23 listed occupations are so general in nature (Sales, Office, Management, Business, etc.) that virtually anyone can qualify.

The three other ways to qualify are,

Question #1: “Are you (OR a family member) live, work in, worship in, or get paid from one of these counties in Kansas?” Those counties include Atchison, Barton, Butler, Clay, Cloud, Cowley, Dickson, Douglas, Edwards, Ellis, Ellsworth, Finney, Ford, Geary, Graham, Harvey, Hodgeman, Jackson, Jefferson, Jewell, Johnson, Kingman, Kiowa, Leavenworth, Lincoln, Lyon, Marion, McPherson, Miami, Mitchell, Morris, Osage, Ottawa, Pawnee, Pottawatomie, Pratt, Reno, Rice, Riley, Rooks, Rush, Russell, Saline, Sedgewick, Shawnee, Stafford, Sumner, Trego, Wabaunsee, or Wyandotte.

Question #2: “Do you have a family member who is a member with us?” Family members related by blood, marriage, or adoption qualify.

Question #3: “Are you (OR a family member) an employee of, patron of, or retiree of any of the following entities?” Thirty-five local SEGs are listed.

Account Opening

Joining Heartland CU can be done online, or at any of nine full-service branch locations located in Haven, Hays, Hutchinson (3), Ness City, Newton, and Wichita (2). There’s also a branch located in Hutchinson High School, with access limited to the school’s students and staff.

It’s easy to become an HCU member, all you do is open the
Prime Share Savings Account with a $25 minimum deposit.

Opening a CD can be done at any of the above-mentioned branch locations or by calling the eBranch (800.428.8472).

Heartland CU participates in the CO-OP Shared Branch and ATM networks, giving its members access to more than 5,000 shared branches and nearly 30,000 ATMs throughout the country.

Funding and Other Details

The following information is from a Live Chat with CSR.

  • Funding – ACH, wire, check (in-branch), or shared branch transfer.
  • Ownership – Individual, joint, or trust.
  • CO-OP Shared Branch Participant – Yes.
  • Dividends – Compounded/credited quarterly; can be transferred to a Heartland CU Prime Share Savings account penalty-free.
  • Maturing Funds – Internal transfer to a Heartland CU Prime Share Savings account.
  • Beneficiaries – Unlimited with equal shares; Social Security numbers are not required.
  • Grace Period – 10 calendar days.
  • Credit Check – Hard pull.

Credit Union Overview

Heartland Credit Union has an overall health grade of "B+" at DepositAccounts.com, with a Texas Ratio of 11.50% (above average) based on June 30, 2023 data. In the past year, Heartland CU has increased its total non-brokered deposits by $35.41 million, an excellent annual growth rate of 7.94%. Please refer to our financial overview of Heartland Credit Union (NCUA Charter # 62031) for more details.

Founded in 1948, Heartland Credit Union was originally known as Hutchinson Teachers Credit Union. With 14 founding members and $315 in assets, the newly-formed credit union was housed in the home of two its founding members. As the FOM expanded and mergers occurred, the “Teachers” was dropped from the credit union’s name, with the Heartland rebrand occurring more than eight years ago. Heartland Credit Union is currently the eighth largest credit union headquartered in Kansas, with nearly 39,000 members and assets in excess of $616 million.

How the 17-Month Certificate Special Compares

When compared to similar length-of-term CDs tracked by DepositAccounts.com that are available within the FOM and have minimum deposit requirements of $10k or less, one credit union has a higher rate than currently offered on the Heartland Credit Union 17-Month Certificate Special. The following table compares the 17-Month Certificate Special to the two highest-rate CDs from other credit unions and the two highest-rate CDs from banks.

The above information and rates are accurate as of 10/17/2023.

To look for the best CD rates, both nationwide and state specific, please refer to our Best CD Rates Table page.

Related Pages: Wichita CD rates, 1-year CD rates, nationwide deals

Previous Comments
  |     |   Comment #1
This seems pretty good all things considered. Of course 6% is preferable but it's only 25 points less. I tried to open an IRA and a trust CD almost 2 months ago at Credit Human and they're still requesting more and more unnecessary forms and docs. I'm tempted to open these 2 accounts at Heartland CU and hopefully they have experience in opening IRAs and Trusts. :) I have the feeling the rates aren't going to get higher or for longer periods...but what do I know? Anybody has any feelings too? lol!
  |     |   Comment #2
"Anybody has any feelings too?"

Yes. Right now I'm cold and tired!
  |     |   Comment #3
I applied for an account to open this CD and in one of the fields (which requested feedback with concerns) I noted that I have a credit freeze with the various agencies and if that's an issue to please let me know so we can work around that. Subsequently, an inquiry to Transunion was blocked, and I never heard from the bank.
That was about two weeks ago. Unprofessional.
Heartland Credit Union 30-Month Add-On CD Comes With Unlimited Deposits
Deal Summary: 30-month Add-On CD, 0.90% APY ($100k), 0.85% APY ($25k), 0.80% APY ($500), unlimited deposits, $500 minimum opening deposit.

Availability: Easy membership requirement

Kansas-based Heartland Credit Union (Heartland CU) recently raised the rates on its 30-month Add-On CD by a uniform 20 bps. The new tiered APYs are 0.90% ($100k min), 0.85% ($25k min), and 0.80% ($500 min). The minimum opening deposit is $500 or a $50 deposit per month through payroll direct deposit or automatic transfer; there is no stated balance cap.

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We are starting to see some 3% CDs. As you might expect, these CDs have very long terms. Nevertheless, it shows that rates are starting to go up. The latest institution to offer a 3% CD is Hutchinson Credit Union in Kansas. It has a special 10-year CD with an APY that ranges from 3.00% to 3.15% depending on the balance. Minimum deposit is $5,000. One downside is that non-youth accounts must also have an active checking account, funded loan, credit card, or mortgage. Also, there’s a large early withdrawal...

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