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  

Personal Online Deposit Account Rates

Account Name Minimum to Open Minimum Balance to obtain APY1 Interest Rate APY Apply Online
Heartland Free Checking $50 N/A N/A N/A
Heartland Advantage Checking $100 $500 0.01% 0.01%
Heartland Premium Checking $100 $2,500 - $9,999.99
$10,000 - $24,999.99
$25,000+
0.01%
0.02%
0.05%
0.01%
0.02%
0.05%
Heartland Basic Savings $50 $50 0.02% 0.02%
Heartland Premium 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+
0.01%
0.02%
0.05%
0.06%
0.06%
0.05%
0.01%
0.02%
0.05%
0.06%
0.06%
0.05%
Heartland 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+
0.01%
0.02%
0.20%
0.20%
0.20%
0.12%
0.01%
0.02%
0.20%
0.20%
0.20%
0.12%

Heartland 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+
0.01%
0.02%
1.24%
1.74%
1.74%
0.05%
0.01%
0.02%
1.25%
1.75%
1.75%
0.05%


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.

* 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 $25,000. This is a tiered rate account. The promotional APY of 1.25% is available for the following tiers: $25,000 ‐$49,999.99. The promotional APY of 1.75% is available for the following tiers: $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; $10,000.00 ‐ $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 07/29/2022. 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 household. Personal accounts only.

Personal Online CD Rates

Account Name Minimum to Open Minimum Balance to obtain APY2 Interest Rate APY Apply Online
6 Month CD $500 $500 0.03% 0.03%
12 Month CD Special $5000 $5000 1.98% 2.00%
18 Month CD $500 $500 0.20% 0.20%
24 Month CD $500 $500 0.20% 0.20%
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%

 

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. 


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.

 

Account Name Minimum to Open Minimum Balance to obtain APY1 Business Interest Rate Business APY1 Apply Online
Heartland Business Basic Savings $100 $100 0.02% 0.02%
Heartland Business 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+
0.01%
0.01%
0.02%
0.02%
0.05%
0.05%
0.01%
0.01%
0.02%
0.02%
0.05%
0.05%
Heartland Business 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%
1.24%
1.74%
1.74%
0.12%
0.03%
0.08%
1.25%
1.75%
1.75%
0.12%

 

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 $1,000. Minimum balance to earn interest is $0.01. Minimum balance to earn promotional APY is $100,000. This is a tiered rate account. The promotional APY of 1.25% is available for the following tiers: $100,000 ‐ $499,999.99. Regular rates apply to remaining tiers as follows: $0.01 ‐ $9,999.99 is 0.01% APY; $10,000.00 ‐ $24,999.99 is 0.01% APY; $25,000.00 - $49,999.99 is 0.02% APY; $50,000.00 - $99,999.99 is 0.02% 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 07/29/2022. 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 household.

Business Online CD Rates

Account Name Minimum to Open Minimum Balance to obtain APY2 Interest Rate APY Open Online
6 Month Business CD $500 $500 0.03% 0.03%
12 Month Business CD $500 $500 0.10% 0.10%
18 Month Business CD $500 $500 0.20% 0.20%
24 Month Business CD $500 $500 0.20% 0.20%
36 Month Business CD $500 $500 0.25% 0.25%
48 Month Business CD $500 $500 0.30% 0.30%
60 Month Business CD $500 $500 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. These rates are available for accounts opened online only. Please note that Public Funds accounts are not eligible to open CDs online, however don't hesitate to reach out via email to VirtualBanking@Heartland.Bank for any questions about Public Funds, Account Analysis and/or IOLTA accounts.