Find the right CD term and open your account online!  

It will only take a few moments - select your preferred term below and apply online today!

Please note that Public Funds accounts are not eligible to open CDs online, however for questions about Account Analysis, Public Funds and/or IOLTA accounts, please reach out to virtualbanking@Heartland.Bank 

6 Month CD

Minimum to Open

$500

Minimum Balance to obtain APY2

$500

Interest Rate

0.03%

APY

0.03%

12 Month CD

Minimum to Open

$500

Minimum Balance to obtain APY2

$500

Interest Rate

0.10%

APY

0.10%

18 Month CD

Minimum to Open

$500

Minimum Balance to obtain APY2

$500

Interest Rate

0.20%

APY

0.20%

24 Month CD

Minimum to Open

$500

Minimum Balance to obtain APY2

$500

Interest Rate

0.20%

APY

0.20%

36 Month CD

Minimum to Open

$500

Minimum Balance to obtain APY2

$500

Interest Rate

0.25%

APY

0.25%

48 Month CD

Minimum to Open

$500

Minimum Balance to obtain APY2

$500

Interest Rate

0.30%

APY

0.30%

60 Month CD

Minimum to Open

$500

Minimum Balance to obtain APY2

$500

Interest Rate

0.40%

APY

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.

 

Don't see the term you're looking for?  Visit your local branch office and speak to one of our Heartland bankers today.  

Product Features

 6 Month CD

12 Month CD Special

18 Month CD

24 Month CD

36 Month CD

48 Month CD

60 Month CD

Minimum to Open

$500

$5000

$500

$500

$500

$500

$500

Minimum Balance to obtain APY2

$500

$5000

$500

$500

$500

$500

$500

Interest Rate

0.03%

2.47%

0.20%

0.20%

0.25%

0.30%

0.40%

APY

0.03%

2.50%

0.20%

0.20%

0.25%

0.30%

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. For current summer CD special for 12 month and 24 month CDs: 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.  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.  

 

Don't see the term you're looking for?  Visit your local branch office and speak to one of our Heartland bankers today.