CDs & IRAs

Heartland Bank Certificates of Deposit (CD) and Individual Retirement Accounts (IRA)  are a safe and secure way to earn a higher rate of return on your investment. Highly competitive interest rates/annual percentage yields make Heartland Bank CDs and IRA accounts a wise investment choice.

• Maturities for CDs range from 90 days to 5 years
• Maturities for IRAs range from 180 days to 5 years

CD Rates

Current CD rates and annual percentage yields

APY = Annual Percentage Yield.
CD = Certificate of Deposit.

• Interest is earned on the collected balance in the account for each day. * Credit Card Processing Fees May Apply.
• Interest is compounded and credited on a quarterly basis for CD maturities of 12-months or more
• Interest is credited and paid at maturity for CDs with maturities less than 12-months
• Disclosed APY figures assume interest remains on deposit until maturity and a withdrawal will reduce earnings
• CDs may be subject to early withdrawal penalty, and other applicable penalties for early distributions of CD account funds

IRA Rates

Current Personal Individual Retirement Account rates and annual percentage yields

APY = Annual Percentage Yield.
IRA = Individual Retirement Account.

• Interest is earned on the daily collected balance in the account for each day
• Interest compounded/credited on a quarterly basis for IRAs with maturities of 12-months or more
• Interest is credited and paid at maturity for IRAs with maturities less than 12-months
• Disclosed APY figures assume interest remains on deposit until maturity and a withdrawal will reduce earnings
• Aforementioned IRA accounts may be subject to early withdrawal penalty, and other applicable penalties for early distributions of IRA account funds