Rate Center

Today's current rates

Thinking of coming on over to Heartland? Maybe our rates will help you make your decision. Check below for our most current interest rates, APYs and minimums required on our accounts: Checking, Savings, Certificates of Deposit, Individual Retirement, Health Savings, Money Market Savings, and Business. We also provide rates for our Home Loans and Home Equity Lines/Loans along with Auto Loan rates.

Rates effective as of  

Deposit Accounts

Account Name Minimum to Open Minimum Balance to obtain APY1 Interest Rate APY
Heartland Advantage Checking Account $100 $500 0.02% 0.02%
Heartland Premium Checking Account $100 $2,500
$10,000
$25,000
0.02%
0.04%
0.10%
0.02%
0.04%
0.10%
Heartland Basic Savings $50 $50 0.05% 0.05%
Heartland Money Market Savings Account $1000 $0.01 - $9,999.99
$10,000 - $24,999.99
$25,000 - $49,999.99
$50,000 - $99,999.99
$100,000 - $499,999.99
$500,000+
0.03%
0.08%
0.20%
0.20%
0.20%
0.12%
0.03%
0.08%
0.20%
0.20%
0.20%
0.12%
Heartland Premium Savings $1000 $0.01 - $9,999.99
$10,000 - $24,999.99
$25,000 - $49,999.99
$50,000 - $99,999.99
$100,000 - $499,999.99
$500,000+
0.02%
0.04%
0.10%
0.12%
0.15%
0.12%
0.02%
0.04%
0.10%
0.12%
0.15%
0.12%
Health Savings Account $100 $0 - $1,499
$1,500 - $4,999
$5,000 +
0.02%
0.05%
0.20%
0.02%
0.05%
0.20%
IRA Statement Savings
 
$100 $25 - $999.99
$1,000 - $249,999
$250,000 +
0.02%
0.10%
Please Call
0.02%
0.10%
Please Call

 

1APY = Annual Percentage Yield. Minimum balance = the amount of principal in account each day. Fees could reduce earnings on the account. Rates subject to change without notice.

 

Time Deposit Accounts
 

Account Name Minimum to Open Minimum Balance to obtain APY2 Interest Rate APY
30 days CD $500 $500 0.02% 0.02%
90 days CD $500 $500 0.05% 0.05%
6 month CD $500 $500 0.08% 0.08%
7 month CD $500 $500 0.13% 0.13%
9 month CD $500 $500 0.15% 0.15%
12 month CD $500 $500 0.30% 0.30%
12 month Option CD $5000 $5000 0.50% 0.50%
15 month CD $500 $500 0.35% 0.35%
18 month CD $500 $500 0.50% 0.50%
24 month CD $500 $500 0.55% 0.55%
30 month CD $500 $500 0.60% 0.60%
36 month CD $500 $500 0.65% 0.65%
48 month CD $500 $500 0.70% 0.70%
60 month CD $500 $500 0.75% 0.75%
IRA: 12 months $100 $100 0.30% 0.30%
IRA: 18 months $100 $100 0.50% 0.50%
IRA: 24 months $100 $100 0.55% 0.55%
IRA: 48 months $100 $100 0.70% 0.70%
IRA: 60 months $100 $100 0.75% 0.75%

 

2 APY = Annual Percentage Yield. Minimum balance = the amount of principal in account each day. Fees could reduce earnings on the account. Rates subject to change without notice. Penalty may be imposed for early withdrawal.