Certificates of Deposit 

Choose the term that best meets your needs!

If you’re looking to earn a higher interest rate on your savings, then a certificate of deposit (CD) may be for you! A CD gives you a guaranteed interest rate, typically higher than standard savings accounts, for a specific period of time, ranging from three months to five years. Total deposits are fully insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor.

CD Specials

Currently, Heartland Bank is offering TWO high-yield Online CD specials.  In a changing-rate environment, these CD specials guarantee your rate for the term of the CD.  Let us guide you to high yields!  Open these accounts via our Secure Online Account Opening Portal.  These specials are only available for personal CDs opened online.  Visit one of our 16 branch locations to open other term CDs.

12 month Special/Online Only CD - Annual Percentage Yield (APY) 

  • $5,000 minimum deposit, not to exceed $250,000 per depositor
  • You must have or establish a checking account relationship to qualify ($100 minimum initial deposit required to open a checking account)
  • Interest will either be compounded or paid to a checking account at Heartland Bank
  • Early withdrawals subject to penalty
  • Open an account online



Interested in our CD SPECIAL? Apply Now.