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.

Personal Online Deposit Account Rates

^{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.  These rates are available for accounts opened online only.}

Personal Online CD Rates

^{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. For personal accounts only. These rates are available for accounts opened online only.} 
 

*Annual Percentage Yield (APY). Minimum balance to open and maintain the advertised 6 month APY of 5.00% is $5,000. APY is accurate as of 05/06/2024. 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.


^{To open specialty accounts such as Public Funds, Account Analysis, IOLTA/IOTAs, Trusts & Estates, please visit your local branch or email virtualbanking@heartland.bank for assistance.}

Business Online Deposit Account Rates

In order to provide the highest level of safety and security, the page where you begin your new online application states 'new Heartland Bank customer;' however, we realize you may not be.  The system will lead all new applications through the same onboarding process.  We apologize for the inconvenience but ask for your understanding as we work to keep your accounts as safe as possible.

^{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 APY of 4.00% 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 0.01%​ APY; $10,000 - $24,999.99​ is 0.01%​ 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. APY accurate as of 05/06/2024. Fees may reduce earnings. Accounts closed less than 180 days from date opened will be charged an early close fee of $25.00. Limit one per business entity. To open specialty accounts such as Public Funds, Account Analysis, IOLTA/IOTAs, Trusts & Estates, please visit your local branch or email virtualbanking@heartland.bank for assistance.}
 

Business Online CD Rates

^{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. These rates are available for accounts opened online only. To open specialty accounts such as Public Funds, Account Analysis, IOLTA/IOTAs, Trusts & Estates, please visit your local branch or email virtualbanking@heartland.bank for assistance.}