Deposit Services
Share Savings Accounts
This is your basic Savings Account which gives you ownership and Membership privileges with Iowa Heartland Credit Union. A minimum of $25.00 must stay in this account at all times.
Share Draft Checking
Your Basic “free” checking account. This is a non-interest-bearing account with unlimited check writing and a free Debit Card.
Checking Plus
An interest-bearing checking account with unlimited check writing and FREE Debit Card. A minimum balance of $500.00 must be kept in the Account in order to avoid a $5/month maintenance charge.
Certificates of Deposit
We offer CDs with a wide range from 182 days to up to 48 months. A minimum of $500 is required to open a certificate. Occasionally we run specials with other minimum and maximum requirements. For more information on current CD rates, visit the Deposit Rates page.
Christmas Club Accounts
A very popular savings plan for that special time of year. This is a low maintenance type of account. There are no minimum deposits. However, there is a $5 penalty for early withdrawal. Dividends are paid monthly and added to the account. Funds are transferred to your basic share account on the first Business Day of November.
Individual Retirement Accounts (IRA)
We offer several types of IRA’s for your special investment needs. Government regulations change yearly for these types of accounts. Please call for complete and current details including current rate.
Money Market
A convenient account to place funds without any time restrictions. Rates are subject to change at every dividend period (30 days). Money Market Accounts have a required minimum balance of $500.
Savings Deposit Insurance
All member accounts are Federally insured up to $250,000.00 by NCUA (National Credit Union Administration), an agency of the U.S. Government. This coverage is FREE to all members.
Accidental Death and Dismemberment Insurance
Each member also receives a free $1,000 A D & D insurance policy. Our insurance carrier CUNA will contact all members about this insurance coverage.
FEE SCHEDULE- Effective October 1, 2024
| Checking Account | Fee |
|---|---|
|
BASIC CHECKING |
FREE |
|
CHECKING PLUS (OVER $500) |
FREE |
|
CHECKING PLUS (UNDER $500) |
$5.00 PER MONTH |
|
RETURNED CHECK FOR NSF |
$23.00 |
|
PHOTOCOPY OF CHECK |
$5.35 |
|
STOP PAYMENT |
$15.00 |
|
ACH/EFT STOP PAYMENTS |
$15.00 |
|
STOP PAYMENT ON DEBIT CARD TRANSACTION |
$25.00 |
OTHER FEES- Effective October 1, 2024
| Fee | |
|---|---|
|
ACCOUNT ACTIVITY REPORT |
$2.00/PG |
|
CHECK-CASHING (NON-MEMBERS) |
$7.00 |
|
MONEY ORDERS ($1,000 MAX) |
$3.00 |
|
MONEY ORDERS (NON-MEMBERS) |
$5.00 |
|
ATM/DEBIT CARD (PER YEAR) |
FREE |
|
ATM/DEBIT REPLACEMENT CARD |
$20.00 |
|
ATM $ W/D (OVER 10 PER MONTH) |
$1.00/EACH |
|
ATM/DEBIT CARD RETURN FOR NSF |
$23.00 |
|
BILL PAYER AUTOCASH (ACH/EFT) |
$1.00/MONTH |
|
ACH/EFT RETURNS FOR NSF |
$23.00 |
|
SHARE ACCOUNT CLOSE IN 1ST 60 DAYS |
$10.00 |
|
EARLY CHRISTMAS CLUB CLOSING |
$5.00 |
|
RESEARCH FEE (MIN OF $20) |
$20.00 |
|
CASH ADVANCE FOR LOAN PAYMENT |
$5.00 |
WIRE FEES
| Fee | |
|---|---|
|
DOMESTIC INCOMING |
$15.00 |
|
DOMESTIC OUTGOING |
$15.00 |
|
INTERNATIONAL INCOMING |
$25.00 |
|
INTERNATIONAL OUTGOING |
$25.00 |
|
MANUAL REPAIRS |
$2.00 |
|
TRACES |
$10.00 |
|
AMENDMENTS |
$25.00/EACH |
|
RETURNS |
$25.00 |
|
REVERSALS |
$25.00 |
|
CANCEL FOREIGN CURRENCY WIRES |
$50.00 MIN |
BILL PAY CHARGES
| Fee | |
|---|---|
|
PER TRANSACTION FEE |
FREE |
|
NSF OVERDRAFT |
$43.00 |