Personal Savings Accounts

Heartland Basic SavingsEarns Interest 6 Free Debits Minimum Daily Balance Maintenance Fee Open an account onlineeStatements

  • Interest paid on balances of $50 or more
  • $50 minimum opening deposit
  • Six free debits per month; thereafter, $.50 per debit
  • Free monthly e-Statements with Online Banking
  • Compare Rates

Heartland Premium Savings Earns Interest 6 Free Debits Minimum Daily Balance Maintenance Fee Open an account onlineeStatements

  • Tiered interest rate
  • $1,000 minimum opening deposit
  • Six free debits per month; thereafter, $15 per debit
  • $5 monthly maintenance fee (waived with $500 minimum daily balance)
  • Free monthly e-Statements with Online Banking
  • Compare Rates

Money Market SavingsEarns Interest 6 Free Debits Minimum Daily Balance Maintenance Fee Open an account onlineFree Checks eStatements

  • Tiered interest rate with limited check-writing capability
  • $1,000 minimum opening deposit
  • Six free debits per month; thereafter, $15 per debit
  • $10 monthly maintenance fee ($10,000 minimum daily balance to waive maintenance fee)
  • First order of basic checks free of charge
  • Free monthly eStatements with Online Banking
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Certificates of Deposit Offered in terms of 1 month to 60 months Open an account onlineEarns Interest Interest distribution options available

  • Offered in terms of 1 month to 60 months (limited terms available for easy online account opening)
  • Competitive fixed interest rates
  • Interest distribution options available
  • Additional Details
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  • Please note that Public Funds accounts are not eligible to open CDs online, however for questions about Account Analysis, Public Funds and/or IOLTA accounts, please reach out to virtualbanking@Heartland.Bank 

Individual Retirement AccountFixed or Variable Rate Term Options Earns Interest

  • Fixed or variable rate products available
  • Term options available for IRA certificates
  • Competitive interest rates

Health Savings AccountEarns Interest Minimum Daily Balance Maintenance Fee Free Checks Debit card access

  • Tiered interest rate
  • $4 monthly maintenance fee (waived with $1,500 minimum daily balance or ownership of an additional Heartland Bank deposit account)
  • First order of basic HSA checks free of charge
  • Debit card access is available
  • Additional Details

 

To open specialty accounts such as Public Funds, Account Analysis, IOLTA/IOTAs, Trusts & Estates  Click Here

Key for Personal Savings icons in tables

1 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 $50,000.00. This is a tiered rate account. The promotional APY of 1.75% is available for the following tiers: $50,000 - $99,999 and $100,000 - $499,999.99. The promotional APY for the tier of $25,000 - $49,999.99 is 1.25% APY. Regular rates apply to the following tiers: $0.01 - $9,999.99 is 0.01% APY; $10,000.00 - $24,999.99 is 0.02% APY; and $500,000 + is 0.05% 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 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. Limit one (1) promotional Money Market Savings Account special per household per six (6) months. APY accurate as of 08/01/2022. Fees may reduce earnings. Accounts closed less than 180 days from date opened will be charged an early close fee of $25.00. Personal accounts only.

2 Annual Percentage Yield (APY). Minimum balance to open and maintain the advertised 12 month APY of 2.00% is $5,000. APY is accurate as of August 1, 2022. Maximum deposit is $250,000. Please see your local branch office for disclosure information regarding terms and conditions. Penalty may be imposed for early withdrawal. Rates are subject to change at any time. No brokers please. Limited time offer. Limited to one per household. Not valid with money currently on deposit at Heartland Bank. Personal accounts only.