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%

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

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 1.24% 1.25%
18 Month CD $500 $500 0.20% 0.20%
24 Month CD $500 $500 1.74% 1.75%
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

Account Name Minimum to Open Minimum Balance to obtain APY1 Business Interest Rate Business APY* 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%

 

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.

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.