1Annual Percentage Yield (APY). Minimum opening deposit is $1,000. Minimum balance to earn interest is $0.01. Minimum balance to earn promotional APY is $25,000.00. This is a tiered rate account. The promotional APY of 3.65% is available for the following tiers: $25,000 - $49,999.99, $50,000 - $99,999 and $100,000 - $499,999.99. Regular rates apply to the following tiers: $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 11/07/2022. Fees may reduce earnings. Accounts closed less than 180 days from date opened will be charged an early close fee of $25.00. Personal accounts only.
2Annual Percentage Yield (APY). Minimum balance to open and maintain the advertised 12 month APY of 3.90% is $5,000. APY is accurate as of 11/07/2022. 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.