Savings
Savings accounts are an important part of your financial future. Whether you are looking for more flexibility with your interest rates or just saving for a rainy day, the sooner you start saving, the faster you can reach your goals. Heartland Bank has a variety of Savings accounts to meet your financial needs. We offer convenience, easy access, and security of your funds!
Available Savings Accounts:
Regular Savings - An account to save for those unexpected expenses.
Money Market - A money market with high interest earnings while allowing easy access.
Platinum Money Market - A money market with the freedom of check writing and higher interest earnings.
Christmas Club - A traditional savings account for that important time of year.
¢ent-sible Savers Kids Club - For ages 0-12 years old with club promotions throughout the year.
Certificate of Deposit - Our certificates have varying maturities (3 months to 5 years) and the A.P.Y. (annual percentage yield) varies depending on the deposit amount and the selected maturity. View Rates Here.
IRA’s - Individual retirement accounts that offer you high yielding rates for your retirement planning.
CDARS® - Through the CDARS® service, we can provide you with easy access to multi-million dollar FDIC protection on your CD investments. Click Here to learn more.
| Regular Savings |
Money Market |
Platinum Money Market |
¢ent-sible Kid's Club Savings |
Christmas Club Savings |
|
|
Minimum |
$25.00 |
$1,000.00 |
$1,000.00 |
$10.00 |
$10.00 |
|
Monthly
Service Fee |
None |
$6.00 + sales tax per statement cycle if account falls below $450.00 |
$15.00 + sales tax per statement cycle if account falls below $10,000 |
None |
None |
|
Interest |
Yes |
Yes - Tiered interest rates to maximize savings potential |
Yes - Tiered interest rates to maximize savings potential |
Yes |
Yes |
| Check Return Option |
NA |
NA |
Free Check Imaging |
NA |
NA |
| Features and Benefits |
• Direct Deposit |
• Six pre-authorized withdrawals allowed • Direct Deposit • Free first year safe deposit box (limited to certain sizes) |
• First 40 checks are provided at no cost • Direct Deposit • First year safe deposit box (limited to certain sizes) |
• Quarterly Newsletter with Special Promotions throughout the year
|
• Check issued for entire balance on November 1st of each year
|
| Other Fees |
$2.00 service charge + sales tax if daily balance drops below $25.00 |
None |
$7.50 + sales tax per withdrawal over 3 per statement cycle |
$2.00 service charge + sales tax if daily balance drops below $10.00
|
None |
 |
 |
 |
 |
Equal Housing Lender