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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
Advantage Checking $25 $2,500 - $9,999.99
$10,000 - $24,999.99
$25,000 - $500,000+		 0.01%
0.02%
0.05%		 0.01%
0.02%
0.05%
Heartland Savings $25 $50 0.02% 0.02%
Money Market 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+		 0.03%
0.08%
0.05%
0.05%
0.05%
0.12%		 0.03%
0.08%
0.05%
0.05%
0.05%
0.12%
Money Market Special*

 		 $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%
4.22%
4.22%
4.22%
0.12%		 0.03%
0.08%
4.30%
4.30%
4.30%
0.12%
Advantage Savings $25 $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+		 0.01%
0.02%
0.05%
0.06%
0.06%
0.05%		 0.01%
0.02%
0.05%
0.06%
0.06%
0.05%
Health Savings Account $100 $0 - $1,499
$1,500 - $4,999
$5,000 +		 0.01%
0.02%
0.04%		 0.01%
0.02%
0.04%
IRA Statement Savings
 		 $100 $25 - $999.99
$1,000 - $249,999
$250,000 +		 0.02%
0.02%
Please Call		 0.02%
0.02%
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.

*Annual Percentage Yield (APY).  Minimum opening deposit is $1000.  Minimum balance to earn interest is $0.01.  Minimum balance to earn promotional APY is $25,000.  This is a tiered rate account.  The promotional rate of 4.30%​ is available for the following tiers:  $25,000 - $49,999.99, ​$50,000 - $99,999.99; $100,000 - $499,999.99.   Regular rates apply to remaining tiers as follows:  $0.01 - $9,999.99 is 0.03% APY:  $10,000 - $24,999.99​ is 0.08%​ 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 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 1/30/2023.  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. 

 

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%
9 month CD Special** $5,000 $5,000 5.03% 5.15%
12 month CD $500 $500 0.10% 0.10%
12 month CD Special* $5,000 $5,000 4.31% 4.40%
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%
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 4.40% is $5,000. APY is accurate as of 04/03/2023. 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 9 month APY of 5.15% is $5,000. APY is accurate as of 05/25/2023. 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.