Time Deposit Accounts
Account Name |
Minimum to Open |
Minimum Balance to obtain APY2 |
Interest Rate |
APY |
30 days CD |
$500 |
$500 |
0.01% |
0.01% |
90 days CD |
$500 |
$500 |
0.02% |
0.02% |
6 month CD |
$500 |
$500 |
0.03% |
0.03% |
7 month CD |
$500 |
$500 |
0.03% |
0.03% |
9 month CD |
$500 |
$500 |
0.05% |
0.05% |
12 month CD |
$500 |
$500 |
0.10% |
0.10% |
12 month CD Special* |
$5000 |
$5000 |
1.24% |
1.25% |
15 month CD |
$500 |
$500 |
0.15% |
0.15% |
18 month CD |
$500 |
$500 |
0.20% |
0.20% |
24 month CD |
$500 |
$500 |
0.20% |
0.20% |
24 month CD Special** |
$500 |
$500 |
1.74% |
1.75% |
30 month CD |
$500 |
$500 |
0.25% |
0.25% |
36 month CD |
$500 |
$500 |
0.25% |
0.25% |
48 month CD |
$500 |
$500 |
0.30% |
0.30% |
60 month CD |
$500 |
$500 |
0.40% |
0.40% |
IRA: 12 months |
$100 |
$100 |
0.10% |
0.10% |
IRA: 18 months |
$100 |
$100 |
0.20% |
0.20% |
IRA: 24 months |
$100 |
$100 |
0.20% |
0.20% |
IRA: 48 months |
$100 |
$100 |
0.30% |
0.30% |
IRA: 60 months |
$100 |
$100 |
0.40% |
0.40% |
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.
*Annual Percentage Yield (APY). Minimum balance to open and maintain the advertised 12 month APY of 1.25% is $5,000. APY is accurate as of May 12, 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.
**Annual Percentage Yield (APY). Minimum balance to open and maintain the advertised 24 month APY of 1.75% is $500. APY is accurate as of May 12, 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.