Rate Center

Heartland Bank'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 Business Interest Rate Business APY*
Heartland Premium Checking Account $100 $2,500
$10,000
$25,000
0.04%
0.04%
0.04%
0.04%
0.04%
0.04%
IOLTA Account / IOTA Account $0 $1,000 0.75% 0.75%
Heartland Basic Savings $25 $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+
0.02%
0.03%
0.05%
0.07%
0.10%
0.12%
0.02%
0.03%
0.05%
0.07%
0.10%
0.12%
Heartland Money Market Savings Special
2.25% 90 Day Intro Rate2
$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%
0.03%
2.50%
[mmsavings90_50k_bus_rate]
2.50%
0.12%
0.02%
0.03%
2.50%
2.50%
2.50%
0.12%
Business Rep. Sweep Account N/A N/A 0.05% N/A

 

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.

2 2.25% 90 Day Intro Rate = The promotional rate to applicable tiers is guaranteed for 90 days from the day of account opening. After 90 days the rate may change at any time as the Heartland Bank 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. Fees may reduce earnings. Accounts closed less than 180 days from date opened will be charged an early close fee of $25.00.  One account per household.