What are the current interest rates at Heartland Credit Union Hutchinson, KS?

Current rates for Heartland Credit Union Hutchinson, KS include: 12-Month CD: 2.50%, 24-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 0.05%, MMA: 3.50%

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Heartland Credit Union Hutchinson, KS

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Heartland Credit Union Hutchinson, KS Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Heartland Credit Union Hutchinson, KS provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Heartland Credit Union Hutchinson, KS's top rates as of October 14, 2026 are 4.55% APY on its 48 Month Business CD, 0.05% APY on savings, 3.50% APY on money market accounts, 3.00% APY on checking, personal loans from 12.99% APR, and credit cards from 13.49% APR, according to rates verified by MonitorBankRates. Other Heartland Credit Union Hutchinson, KS CD rates include 48 Month CD at 4.55%, 48 Month HSA Business CDs at 4.55%, and 48 Month HSA CD at 4.55%. MonitorBankRates evaluates the financial stability of Heartland Credit Union Hutchinson, KS with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.12%. Rates last updated and verified on 10/14/2026.

Heartland Credit Union Hutchinson, KS money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Heartland Credit Union Hutchinson, KS? Share your experience about Heartland Credit Union Hutchinson, KS by leaving a review below, or read customer reviews before you decide to use Heartland Credit Union Hutchinson, KS.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.12%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Heartland Credit Union Hutchinson, KS
Support Center

4000 N Monroe St
Hutchinson, KS 67502

https://www.hcu.coop/

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Heartland Credit Union Hutchinson, KS CD Rates

Product	Rate	APY	Term
48 Month Certificate	-	4.55%	48 months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 4.50% → 4.55% ▲ 0.05 pts · high 4.55% / low 4.50% Oct 14, 20264.55%▲ from 4.50% Oct 6, 20264.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
48 Month HSA Certificate	-	4.55%	48 months
Details IRA/HSA Certificate Rates - $250,000 and up Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
48 Month Certificate	-	4.50%	48 months
Min Balance $500 Details Balance: $500 - $249,999; Membership Required Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
48 Month HSA Certificate	-	4.50%	48 months
Details IRA/HSA Certificate Rates - $500 to $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
11-Month Certificate	-	4.30%	11-Month
Min Deposit $250,000 Details Earn up to 4.30% APY with an 11-Month Certificate; Minimum $500 opening deposit, $100 for youth accounts; Open through Digital Banking Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
11-Month Promo	-	4.30%	11 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
11-Month Promo	-	4.25%	11 months
Min Balance $500 Details Balance: $500 - $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
16-Month Certificate	-	4.05%	16-Month
Min Deposit $500 Details Earn up to 4.05% APY with a 16-Month Certificate; Minimum $500 opening deposit, $100 for youth accounts; Open through Digital Banking Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
16-Month Promo	-	4.05%	16-Month
Min Balance $250,000 Details Balance: $250,000 and over; APY* footnote: Annual Percentage Yield Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
16-Month Promo	-	4.00%	16-Month
Min Balance $500 Details Balance: $500 - $249,999; APY* footnote: Annual Percentage Yield Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
24 Month Certificate	-	3.05%	24 months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 3.00% → 3.05% ▲ 0.05 pts · high 3.05% / low 3.00% Oct 14, 20263.05%▲ from 3.00% Oct 6, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
24 Month HSA Certificate	-	3.05%	24 months
Details IRA/HSA Certificate Rates - $250,000 and up Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
36 Month Certificate	-	3.05%	36 months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 3.00% → 3.05% ▲ 0.05 pts · high 3.05% / low 3.00% Oct 14, 20263.05%▲ from 3.00% Oct 6, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
36 Month HSA Certificate	-	3.05%	36 months
Details IRA/HSA Certificate Rates - $250,000 and up Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
60 Month Certificate	-	3.05%	60 months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 3.00% → 3.05% ▲ 0.05 pts · high 3.05% / low 3.00% Oct 14, 20263.05%▲ from 3.00% Oct 6, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
60 Month HSA Certificate	-	3.05%	60 months
Details IRA/HSA Certificate Rates - $250,000 and up Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
30 Month Certificate	-	3.03%	30 months
Min Deposit $500 Details Balance: $500 and up Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.03% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
24 Month Certificate	-	3.00%	24 months
Min Balance $500 Details Balance: $500 - $249,999; Membership Required Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
24 Month HSA Certificate	-	3.00%	24 months
Details IRA/HSA Certificate Rates - $500 to $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
36 Month Certificate	-	3.00%	36 months
Min Balance $500 Details Balance: $500 - $249,999; Membership Required Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
36 Month HSA Certificate	-	3.00%	36 months
Details IRA/HSA Certificate Rates - $500 to $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
60 Month Certificate	-	3.00%	60 months
Min Balance $500 Details Balance: $500 - $249,999; Membership Required Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
60 Month HSA Certificate	-	3.00%	60 months
Details IRA/HSA Certificate Rates - $500 to $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
12 Month Certificate	-	2.55%	12 months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 2.50% → 2.55% ▲ 0.05 pts · high 2.55% / low 2.50% Oct 14, 20262.55%▲ from 2.50% Oct 6, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
12 Month HSA Certificate	-	2.55%	12 months
Details IRA/HSA Certificate Rates - $250,000 and up Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
6 Month Certificate	-	2.55%	6 months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 2.50% → 2.55% ▲ 0.05 pts · high 2.55% / low 2.50% Oct 14, 20262.55%▲ from 2.50% Oct 6, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
6 Month HSA Certificate	-	2.55%	6 months
Details IRA/HSA Certificate Rates - $250,000 and up Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
12 Month Certificate	-	2.50%	12 months
Min Balance $500 Details Balance: $500 - $249,999; Membership Required Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
12 Month HSA Certificate	-	2.50%	12 months
Details IRA/HSA Certificate Rates - $500 to $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
6 Month Certificate	-	2.50%	6 months
Min Balance $500 Details Balance: $500 - $249,999; Membership Required Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
6 Month HSA Certificate	-	2.50%	6 months
Details IRA/HSA Certificate Rates - $500 to $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
3 Month Certificate	-	0.20%	3 months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 14, 20260.20%▲ from 0.15% Oct 6, 20260.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
3 Month HSA Certificate	-	0.20%	3 months
Details IRA/HSA Certificate Rates - $250,000 and up Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
3 Month Certificate	-	0.15%	3 months
Min Balance $500 Details Balance: $500 - $249,999; Membership Required Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
3 Month HSA Certificate	-	0.15%	3 months
Details IRA/HSA Certificate Rates - $500 to $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Heartland Credit Union Hutchinson, KS Business CD Rates

Product	Rate	APY	Term
48 Month Business Certificate	-	4.55%	48 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 4.50% → 4.55% ▲ 0.05 pts · high 4.55% / low 4.50% Oct 14, 20264.55%▲ from 4.50% Sep 30, 20264.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
48 Month HSA Business Certificates	-	4.55%	48 months
Details Balance: $250,000 and up; Table heading unconfirmed (TABLE_LABEL: IRA/HSA Certificate Rates - $250,000 and up) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
48 Month Business Certificates	-	4.50%	48 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 4.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
48 Month HSA Business Certificate	-	4.50%	48 months
Details IRA/HSA Certificate Rates - $500 to $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business 16-Month Promo	-	4.05%	16 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business 16-Month Promo	-	4.00%	16 months
Min Balance $500 Details Balance: $500 - $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
24 Month Business Certificate	-	3.05%	24 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 3.00% → 3.05% ▲ 0.05 pts · high 3.05% / low 3.00% Oct 14, 20263.05%▲ from 3.00% Sep 30, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
24 Month HSA Business Certificates	-	3.05%	24 months
Details Balance: $250,000 and up; Table heading unconfirmed (TABLE_LABEL: IRA/HSA Certificate Rates - $250,000 and up) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
36 Month Business Certificate	-	3.05%	36 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 3.00% → 3.05% ▲ 0.05 pts · high 3.05% / low 3.00% Oct 14, 20263.05%▲ from 3.00% Sep 30, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
36 Month HSA Business Certificates	-	3.05%	36 months
Details Balance: $250,000 and up; Table heading unconfirmed (TABLE_LABEL: IRA/HSA Certificate Rates - $250,000 and up) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
60 Month Business Certificate	-	3.05%	60 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 3.00% → 3.05% ▲ 0.05 pts · high 3.05% / low 3.00% Oct 14, 20263.05%▲ from 3.00% Sep 30, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
60 Month HSA Business Certificates	-	3.05%	60 months
Details Balance: $250,000 and up; Table heading unconfirmed (TABLE_LABEL: IRA/HSA Certificate Rates - $250,000 and up) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
30 Month Business Certificates	-	3.03%	30 months
Min Balance $500 Details Balance: $500 and up; APY* Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.03% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
24 Month Business Certificates	-	3.00%	24 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
24 Month HSA Business Certificate	-	3.00%	24 months
Details IRA/HSA Certificate Rates - $500 to $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
36 Month Business Certificates	-	3.00%	36 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
36 Month HSA Business Certificate	-	3.00%	36 months
Details IRA/HSA Certificate Rates - $500 to $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
60 Month Business Certificates	-	3.00%	60 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
60 Month HSA Business Certificate	-	3.00%	60 months
Details IRA/HSA Certificate Rates - $500 to $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
12 Month Business Certificate	-	2.55%	12 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 2.50% → 2.55% ▲ 0.05 pts · high 2.55% / low 2.50% Oct 14, 20262.55%▲ from 2.50% Sep 30, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
12 Month HSA Business Certificates	-	2.55%	12 months
Details Balance: $250,000 and up; Table heading unconfirmed (TABLE_LABEL: IRA/HSA Certificate Rates - $250,000 and up) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
6 Month Business Certificate	-	2.55%	6 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 2.50% → 2.55% ▲ 0.05 pts · high 2.55% / low 2.50% Oct 14, 20262.55%▲ from 2.50% Sep 30, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
6 Month HSA Business Certificates	-	2.55%	6 months
Details Balance: $250,000 and up; Table heading unconfirmed (TABLE_LABEL: IRA/HSA Certificate Rates - $250,000 and up) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
12 Month Business Certificates	-	2.50%	12 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
12 Month HSA Business Certificate	-	2.50%	12 months
Details IRA/HSA Certificate Rates - $500 to $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
6 Month Business Certificates	-	2.50%	6 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
6 Month HSA Business Certificate	-	2.50%	6 months
Details IRA/HSA Certificate Rates - $500 to $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
3 Month Business Certificate	-	0.20%	3 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 14, 20260.20%▲ from 0.15% Sep 30, 20260.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
3 Month HSA Business Certificates	-	0.20%	3 months
Details Balance: $250,000 and up; Table heading unconfirmed (TABLE_LABEL: IRA/HSA Certificate Rates - $250,000 and up) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
3 Month Business Certificates	-	0.15%	3 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
3 Month HSA Business Certificate	-	0.15%	3 months
Details IRA/HSA Certificate Rates - $500 to $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Heartland Credit Union Hutchinson, KS Savings Rates

Product	Rate	APY
Gateway Savings	-	0.05%
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Smart Start Savings	-	0.05%
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Heartland Credit Union Hutchinson, KS Business Savings Rates

Product	Rate	APY
Business Gateway Savings	-	0.05%
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Smart Start Savings	-	0.05%
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Heartland Credit Union Hutchinson, KS Money Market Rates

Product	Rate	APY
Money Market	-	2.25%
Min Deposit $25 Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Money Market	-	2.00%
Min Deposit $25 Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Money Market	-	1.70%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Money Market	-	1.50%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Money Market	-	1.10%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Money Market	-	1.00%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Money Market	-	0.05%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Heartland Credit Union Hutchinson, KS Business Money Market Rates

Product	Rate	APY
Business Money Market	-	3.50%
Min Deposit $25 Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Money Market	-	2.25%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Money Market	-	2.00%
Min Deposit $25 Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Money Market	-	1.70%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Money Market	-	1.50%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Money Market	-	1.10%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Money Market	-	1.00%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Money Market	-	0.05%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Heartland Credit Union Hutchinson, KS Business Checking Rates

Product	Rate	APY
Advanced Business Checking	-	3.00%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Advanced Business Checking	-	2.75%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Advanced Business Checking	-	2.00%
Min Balance $100,000 Details Balance: $100,000 - $499,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Advanced Business Checking	-	0.15%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Advanced Business Checking	-	0.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Advanced Business Checking	-	0.05%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Heartland Credit Union Hutchinson, KS Home Equity & HELOC

Product	Rate	Points	APR
Business Home Equity 12-Month Introductory Offer	-	-	6.49%
Details Home Equity Lines of Credit; Fixed APR; 6.49% introductory APR for the first twelve months; afterward variable standard APR (Prime minus .01% to Prime +.99%, floor 3.25%, not to exceed 18%); new HELOCs only Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Home Equity Lines of Credit - 12-Month Introductory Offer	-	-	6.49%
Details Fixed APR; 6.49% introductory APR for the first twelve months after line of credit is opened; Membership required; No application or origination fees for qualifying members with active Spending account with direct deposit; $49 origination fee for non-qualifying accounts; Information accurate as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Flex HELOC <= 80% LTV	-	-	6.99%
Details Home Equity Lines of Credit; Variable APR; LTV <= 80% Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 2, 20266.99%▲ from 6.74% Sep 30, 20266.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Flex HELOC	-	-	6.99%
Details Variable APR; Loan-to-value <= 80%; Membership required; Variable standard APR uses Wall Street Journal Prime Rate (currently an APR of 6.99%), range Prime minus .01% to Prime +.99%, not to exceed 18%, floor rate 3.25% Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Flex HELOC > 80% LTV	-	-	7.99%
Details Home Equity Lines of Credit; Variable APR; LTV > 80% Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74% Oct 2, 20267.99%▲ from 7.74% Sep 30, 20267.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Flex HELOC	-	-	7.99%
Details Variable APR; Loan-to-value > 80%; Membership required; Variable standard APR uses Wall Street Journal Prime Rate, not to exceed 18%, floor rate 3.25% Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Heartland Credit Union Hutchinson, KS Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.99%	Up to 48 months
Details As Low As; Includes Touring Motorcycles > 1200 CC; Membership Required Last Updated 10/14/2026 Rate History No change since Oct 1, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Auto Loan	-	-	4.99%	Up to 60 months
Details As Low As; Includes Touring Motorcycles > 1200 CC; Membership Required Last Updated 10/14/2026 Rate History No change since Oct 1, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Auto Loan	-	-	4.99%	Up to 48 months
Details As Low As; Includes Touring Motorcycles > 1200 CC; Membership Required; Assumes credit score 725+ on new to HCU $17,000 fixed, secured loan, 2022 or newer vehicle with less than 130,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Auto Loan	-	-	4.99%	Up to 60 months
Details As Low As; Includes Touring Motorcycles > 1200 CC; Membership Required; Assumes credit score 725+ on new to HCU $17,000 fixed, secured loan, 2022 or newer vehicle with less than 130,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Auto Loan	-	-	5.24%	Up to 72 months
Details As Low As; Includes Touring Motorcycles > 1200 CC; Membership Required Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Auto Loan	-	-	5.24%	Up to 72 months
Details As Low As; Includes Touring Motorcycles > 1200 CC; Membership Required; Assumes credit score 725+ on new to HCU $17,000 fixed, secured loan, 2022 or newer vehicle with less than 130,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Heartland Credit Union Hutchinson, KS RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan - Up to 48 months	-	8.74%	Up to 48 months
Details As Low As; Motorcycle Rates (Cruiser, Sportbikes, Scooters); Assumes credit score of 725+ on new to HCU $12,000 fixed, secured loan, 2022 or newer vehicle with less than 150,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
RV Loan	-	8.74%	Up to 48 months
Details As Low As; Secured loan, 2021 or newer RV; Membership required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Motorcycle Loan (Cruiser, Sportbikes, Scooters)	-	9.49%	Up to 60 months
Details As Low As; Membership Required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Motorcycle Loan - Up to 60 months	-	9.49%	Up to 60 months
Details As Low As; Motorcycle Rates (Cruiser, Sportbikes, Scooters); Assumes credit score of 725+ on new to HCU $12,000 fixed, secured loan, 2022 or newer vehicle with less than 150,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
RV Loan	-	9.49%	Up to 120 months
Details As Low As; Secured loan, 2021 or newer RV; Membership required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Motorcycle Loan (Cruiser, Sportbikes, Scooters)	-	9.74%	Up to 72 months
Details As Low As; Membership Required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Motorcycle Loan - Up to 72 months	-	9.74%	Up to 72 months
Details As Low As; Motorcycle Rates (Cruiser, Sportbikes, Scooters); Assumes credit score of 725+ on new to HCU $12,000 fixed, secured loan, 2022 or newer vehicle with less than 150,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
RV Loan	-	9.74%	Up to 84 months
Details As Low As; Secured loan, 2021 or newer RV; Membership required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Heartland Credit Union Hutchinson, KS Credit Card Rates

Product	Rate	APR
Business Everyday VISA	-	13.49%
Details As Low As; Variable APR Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 13.24% → 13.49% ▲ 0.25 pts · high 13.49% / low 13.24% Oct 6, 202613.49%▲ from 13.24% Sep 30, 202613.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Visa Credit Card	-	13.49%
Details APR between 13.49% and 24% based on creditworthiness; Membership Required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 13.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Everyday VISA	-	13.49%
Details As Low As; Variable APR Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 13.24% → 13.49% ▲ 0.25 pts · high 13.49% / low 13.24% Oct 6, 202613.49%▲ from 13.24% Sep 30, 202613.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Your Rewards VISA	-	17.49%
Details As Low As; Variable APR Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 17.24% → 17.49% ▲ 0.25 pts · high 17.49% / low 17.24% Oct 6, 202617.49%▲ from 17.24% Sep 30, 202617.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Your Rewards VISA	-	17.49%
Details As Low As; Variable APR Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 17.24% → 17.49% ▲ 0.25 pts · high 17.49% / low 17.24% Oct 6, 202617.49%▲ from 17.24% Sep 30, 202617.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Heartland Credit Union Hutchinson, KS Personal Loan Rates

Product	APR	Term
Business Signature Loan	12.99%	Up to 36 months
Details As Low As; Fixed-rate Signature loan assumes a credit score of 725+ on a $7,500 unsecured loan, HCU Beyond Ultimate or Essential account with direct deposit, and auto pay Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 12.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Signature Loan	12.99%	Up to 36 months
Details As Low As; Fixed-rate Signature loan assumes a credit score of 725+ on a $7,500 unsecured loan, HCU Beyond Ultimate or Essential account with direct deposit, and auto pay Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 12.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Heartland Credit Union Hutchinson, KS Other Rates

Product	Rate	Points	APY/APR	Term
Business Express Loan	-	-	9.50%	Up to 36 months
Details As Low As; Variable-rate Express Loan assumes an opening balance of $5,000 over 3 years, HCU checking with direct deposit or HCU Visa credit card Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 9.25% → 9.50% ▲ 0.25 pts · high 9.50% / low 9.25% Oct 6, 20269.50%▲ from 9.25% Sep 30, 20269.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Loan	-	-	8.74%	Up to 48 months
Details As Low As; Business loan rates; APR as low as Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Loan	-	-	9.74%	Up to 84 months
Details As Low As; Business loan rates; APR as low as Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Loan	-	-	9.49%	Up to 120 months
Details As Low As; Business loan rates; APR as low as Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Express Loan	-	-	9.50%	Up to 36 months
Details As Low As; Variable-rate Express Loan assumes an opening balance of $5,000 over 3 years, HCU checking with direct deposit or HCU Visa credit card Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 9.25% → 9.50% ▲ 0.25 pts · high 9.50% / low 9.25% Oct 6, 20269.50%▲ from 9.25% Sep 30, 20269.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Beyond Ultimate	-	-	2.02%
Min Balance $0 Details Balance: $0 - $5,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Beyond Ultimate	-	-	0.35%
Min Balance $5,000 Details Balance: $5,000 - $10,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Beyond Ultimate	-	-	0.20%
Min Balance $10,000 Details Balance: $10,000 - $25,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Beyond Ultimate	-	-	0.10%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Beyond Ultimate	-	-	2.02%
Min Balance $0 Details Balance: $0 - $5,000; Qualifying balance up to $5,000.00; Beyond Spending Account Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Prime Share	-	-	0.05%
Details APY* per table footnote (Annual Percentage Yield) Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
IRA and HSA Shares	-	-	0.25%
Min Deposit $25 Min Balance $0 Details Balance: $0 - $9,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
IRA and HSA Shares	-	-	2.00%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 0.25% → 2.00% ▲ 1.75 pts · high 2.00% / low 0.25% Oct 14, 20262.00%▲ from 0.25% Sep 30, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
IRA and HSA Shares	-	-	4.00%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 0.25% → 4.00% ▲ 3.75 pts · high 4.00% / low 0.25% Oct 14, 20264.00%▲ from 0.25% Sep 30, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
IRA and HSA Shares	-	-	0.25%
Min Balance $100 Details IRA and HSA shares earn 0.25% APY; minimum $100 balance Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Prime Share	-	-	0.05%
Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Heartland Credit Union Hutchinson, KS’s Texas Ratio fell from 12.35% in Q3 2023 to 9.12% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$726M	9.12%	5.0	A
March 31, 2026	$709M	6.31%	5.0	A
December 31, 2025	$690M	7.56%	5.0	A
September 30, 2025	$674M	6.32%	5.0	A
June 30, 2025	$667M	6.85%	5.0	A
March 31, 2025	$654M	8.81%	5.0	A
December 31, 2024	$644M	11.52%	5.0	A
September 30, 2024	$648M	15.05%	5.0	A-
June 30, 2024	$639M	10.96%	5.0	A
March 31, 2024	$632M	9.48%	5.0	A
December 31, 2023	$618M	12.91%	5.0	A
September 30, 2023	$622M	12.35%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Heartland Credit Union Hutchinson, KS is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Heartland Credit Union Hutchinson, KS rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Heartland Credit Union Hutchinson, KS's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Heartland Credit Union Hutchinson, KS

Website https://www.hcu.coop/

Address 4000 N Monroe St, Hutchinson, KS 67502

Phone 620-669-0177

Fax 620-669-8123

President Rex Christner

CEO Dan Springer

Full-Time Employees 155

Part-Time Employees 7

Branch Locations 11

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.12%

Return on Assets (ROA)

1.2131%

Return on Equity (ROE)

12.3893%

Non-Performing Loans Ratio (NPL)

1.20%

Total Assets

726,387,972

Total Amount of Shares and Deposits

598,756,399

Total Shares and Deposits < 1 Year

523,671,313

Total Shares and Deposits 1 3 Years

41,070,149

Total Shares and Deposits > 3 Years

34,014,934

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

41,853,117

Total Uninsured Shares and Deposits > $250K (F+J)

41,853,117

Total Insured Shares and Deposits > $250K (item 17 less item K)

556,903,282

Total Interest Expense (Sum of items 6 8)

6,827,067

Share Certificates

5,076

Number of Accounts for Share Drafts

19,720

IRA KEOGH Accounts

1,097

Number of Accounts for Regular Shares

47,883

All other shares

4,020

Non Member Deposits

Money Market Shares

1,461

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

27,403,356

Total Liabilities

655,721,595

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Heartland Credit Union Hutchinson, KS earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Heartland Credit Union Hutchinson, KS

How many branches does Heartland Credit Union Hutchinson, KS operate?

Heartland Credit Union Hutchinson, KS currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Heartland Credit Union Hutchinson, KS?

Yes, to access services at Heartland Credit Union Hutchinson, KS, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Heartland Credit Union Hutchinson, KS does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Heartland Credit Union Hutchinson, KS provides members with tools to manage their accounts and build a solid financial history.

Does Heartland Credit Union Hutchinson, KS offer online and mobile banking?

Most modern institutions like Heartland Credit Union Hutchinson, KS provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hcu.coop/.

Current Heartland Credit Union Hutchinson, KS Rates

12-Month CD2.50%
24-Month CD3.00%
60-Month CD3.00%
Savings0.05%
MMA3.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Heartland Credit Union Hutchinson, KS Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Heartland Credit Union Hutchinson, KS Texas Ratio

Heartland Credit Union Hutchinson, KS Health Trend

Heartland Credit Union Hutchinson, KS CD Rates

Heartland Credit Union Hutchinson, KS Business CD Rates

Heartland Credit Union Hutchinson, KS Savings Rates

Heartland Credit Union Hutchinson, KS Business Savings Rates

Heartland Credit Union Hutchinson, KS Money Market Rates

Heartland Credit Union Hutchinson, KS Business Money Market Rates

Heartland Credit Union Hutchinson, KS Business Checking Rates

Heartland Credit Union Hutchinson, KS Home Equity & HELOC

Heartland Credit Union Hutchinson, KS Auto Loan Rates

Heartland Credit Union Hutchinson, KS RV, Boat and Powersport Loan Rates

Heartland Credit Union Hutchinson, KS Credit Card Rates

Heartland Credit Union Hutchinson, KS Personal Loan Rates

Heartland Credit Union Hutchinson, KS Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Heartland Credit Union Hutchinson, KS earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Heartland Credit Union Hutchinson, KS

How many branches does Heartland Credit Union Hutchinson, KS operate?

Is a member application needed to join Heartland Credit Union Hutchinson, KS?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Heartland Credit Union Hutchinson, KS offer online and mobile banking?

Current Heartland Credit Union Hutchinson, KS Rates

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