© 2018 Heartland Area Federal Credit Union. All rights reserved.

Share, Vacation Club and Christmas Club Accounts

   Dividend Rate

APY*

$50.00 and over

     0.10%

      0.10%

*Annual Percentage Yield

Share Account Dividends Dividend Rate: 0.10%         Yield Dividend: 0.10% Dividends are compounded Quarterly Credited Dividend Period is Calendar Quarter Share Account Balance Requirements Minimum Opening Deposit    $5.00 Minimum Balance to earn stated APY  $50.00 Balance Method:  Average Daily Balance Account Transfer Limitations Apply Certificate Rates Term: 12 Months 24 Months 36 Months Minimum: $1000 $1000 $1000 APR /APY%: 1.15/1.15% 1.50/1.50% 1.20/1.20% Renewable: Yes Yes Yes Early Withdrawal Penalties: 90 Days Interest 90 Days Interest 90 Days Interest IRA Account Rates        Dividend Rate APY* $50 & Over 0.35% 0.35% *Annual Percentage Yield IRA Account Dividends 12 Month Dividend Rate: 0.35% Yield Dividend: 0.35% Dividends are compounded Quarterly Credited Dividend Period is Calendar Quarter IRA Account Balance Requirements Minimum Opening Deposit :  $5.00 Minimum Balance to earn Stated APY:  $50.00 Balance Method:   Average Daily Balance Account Transfer Limitations Apply 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. Term: 12 Months 24 Months 36 Months Minimum: $5000 Min. $5000 Min. $5000 Min. Dividend Rate (Fixed): 0.80% 1.00% 1.20% APY* (Fixed): 0.80% 1.01% 1.20% Renewable: Yes Yes Yes Early Withdrawal Penalties: ----------------90 Days Interest----------------      

Savings Rates

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
Home Access

All rates effective as of current date.

© 2018 Heartland Area Federal Credit Union. All Rights Reserved.

Share, Vacation Club and Christmas Club Accounts

   Dividend Rate

APY*

$50.00 and over

     0.10%

      0.10%

*Annual Percentage Yield

Share Account Dividends Dividend Rate: 0.10%         Yield Dividend: 0.10% Dividends are compounded Quarterly Credited Dividend Period is Calendar Quarter Share Account Balance Requirements Minimum Opening Deposit    $5.00 Minimum Balance to earn stated APY  $50.00 Balance Method:  Average Daily Balance Account Transfer Limitations Apply Certificate Rates Term: 12 Months 24 Months 36 Months Minimum: $1000 $1000 $1000 APR /APY%: 1.15/1.15% 1.50/1.50% 1.20/1.20% Renewable: Yes Yes Yes Early Withdrawal Penalties: 90 Days Interest 90 Days Interest 90 Days Interest IRA Account Rates        Dividend Rate APY* $50 & Over 0.35% 0.35% *Annual Percentage Yield IRA Account Dividends 12 Month Dividend Rate: 0.35% Yield Dividend: 0.35% Dividends are compounded Quarterly Credited Dividend Period is Calendar Quarter IRA Account Balance Requirements Minimum Opening Deposit :  $5.00 Minimum Balance to earn Stated APY:  $50.00 Balance Method:   Average Daily Balance Account Transfer Limitations Apply 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. Term: 12 Months 24 Months 36 Months Minimum: $5000 Min. $5000 Min. $5000 Min. Dividend Rate (Fixed): 0.80% 1.00% 1.20% APY* (Fixed): 0.80% 1.01% 1.20% Renewable: Yes Yes Yes Early Withdrawal Penalties: ----------------90 Days Interest----------------      

Savings

Rates

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

All rates effective as of current date.

TRUTH-IN-SAVINGS / ACCOUNT DISCLOSURES
Home Access