Open a Certificate of Deposit Today!

Earn 5.15% APY on a 6-month CD Now*

Experience the community bank difference with competitive rates and a trusted partner backing your investment, all while enjoying peace of mind as you watch your savings grow!


CD Account Benefits:

  • FDIC insured – Heartland’s CD accounts are insured up to the allowable limits of the FDIC (up to $250,000 insured).
  • Flexible term - With a 6-month term, you can strike the perfect balance between short-term accessibility and long-term growth.
  • Easy to open – Fund a new CD account from the comfort of your home with our seamless and hassle-free experience. Click on the online portal below, provide your information and submit your application. It’s that easy!
  • Lock-in returns - The rate is fixed and guaranteed for the full length of the term.

Ready to take advantage of our current 6-month CD rate special? Apply now!

Questions? Start a live chat or contact our Virtual Banking team today.



*Annual Percentage Yield (APY). Minimum balance to open and maintain the advertised 6 month APY of 5.15% is $5,000. APY is accurate as of 1/16/2024. 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. Not valid with money currently on deposit at Heartland Bank. Personal accounts only.

6-Month CD Special with minimum balance of $5,000, 5.15% APY* - Apply Now, Member FDIC