*Annual Percentage Yield (APY). Minimum opening deposit is $1,000. Minimum balance to earn interest is $0.01. Minimum balance to earn promotional APY is $25,000.00. This is a tiered rate account. The promotional APY of 4.00% is available for the following tiers: $25,000 - $49,999.99, $50,000 - $99,999 and $100,000 - $499,999.99. Regular rates apply to the following tiers: $0.01 - $9,999.99 is 0.01% APY; $10,000.00 - $24,999.99 is 0.01% APY; and $500,000 + is 0.12% APY. The promotional rate to applicable tiers is guaranteed for 180 days from the day of account opening. After 180 days, the rate may change at any time as the Heartland Bank Business Money Market Savings Account is a variable rate account. To qualify for the promotional rate, the opening deposit must be from funds not currently on deposit with Heartland Bank. APY accurate as of 05/24/2023. Fees may reduce earnings. Accounts closed less than 180 days from date opened will be charged an early close fee of $25.00. Limit one per business entity.