Featured: Savings Rates

Heartland Area FCU
6111 N. 72nd Street
Omaha, NE 68134-2157
Toll Free 1-866-314-2328
Phone (402) 571-8444
Fax (402) 571-0462

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IRA Certificates, Roth IRA Certificates, and Education Savings Account (ESA) Certificates

Start planning for the future now by opening an Individual Retirement Account. With automatic payroll deduction, building a retirement account can be easy. IRA certificate minimum balance is $5,000.00.

Effective as of current date

Term 12 Months 24 Months 36 Months
Minimum $5000 Min. $5000 Min. $5000 Min.
Dividend Rate (Fixed) 0.50% 0.80% 1.20%
APY* (Fixed) 0.50% 0.80% 1.20%
Renewable Yes Yes Yes
Early Withdrawal Penalties 90 Days Interest 90 Days Interest 90 Days Interest

*Annual Percentage Yield

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Rate and Fee Schedule are share accounts.

Rate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Share Certificate and IRA Share Certificate accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Share, Share Draft, Vacation Club, Escrow Accounts, Christmas Club, and IRA accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Credit Unionís Board of Directors. The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.


Maturity. Your account will mature as indicated on this Rate and Fee Schedule or on your Account Receipt or Renewal Notice.
Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date.
Amount of Penalty. For all Certificate accounts, the amount of the early withdrawal penalty to your account is 90 days dividend.
How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.
Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:

  1. When an account owner dies or is determined legally incompetent by a court or a body of competent jurisdiction.

  2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within ten (10) days after establishment; the account is an IRA and the owner attains age 59 1/2 or becomes disabled.

Renewal Policy. The renewal policy for your accounts is as follows:
Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.

The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Effective Date indicated on this Rate and Fee Schedule. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

Complete Disclosure Information

Your savings Federally insured to at least $250,000
and backed by the full faith and credit of the United States Government.
National Credit Union Administration,
a U.S. Government Agency.

We do business in accordance with the
Federal Fair Housing Law and the
Equal Credit Opportunity Act.