close up of coins spilling from a glass jar

Savings


Whether you are saving for a rainy day or for a retirement, we have a savings product to help you achieve your goals.


Statement Savings

Earn a higher rate of interest and get a quarterly statement on this account without the need to present your passbook. A low beginning balance of $25.00 and no monthly fees make this account a good choice for most savers.

Money Market Savings

This account pays a substantially higher rate of interest and monthly compounding on your savings with a minimum balance of $2,500. There is a $6.00 fee any month that the account falls below the minimum balance.

Certificates of Deposit

Heartland State Bank offers CDs that range from 30 days to 5 years and with minimum balances of only $500. Excellent rates and dependable results make these the choice for long terms savings. FDIC insurance and guaranteed returns allow you to plan your future with peace of mind knowing that your money is working for you.

Individual Retirement Accounts

A way to take control of your retirement. Earn a higher rate of interest than a typical CD, while saving for your retirement. We offer Traditional and Roth IRAs so that you can tailor your retirement to meet your preferences.

Rates effective as of October 17, 2017

Rates are subject to change.
Member Federal Deposit Insurance Corporation

SAVINGS TYPESMINIMUM BALANCE TO OBTAIN APYMINIMUM BALANCE TO OPENINTEREST RATEAPY
Statement Savings$0.01 $25.00 0.10%0.10%
IRA Savings$0.01 $100.00 1.00%1.00%
MONEY MARKET TYPES
MINIMUM BALANCE TO OBTAIN APYMINIMUM BALANCE TO OPENINTEREST RATEAPY
Traditional Money Market$0.01 $2,500.00 0.40%0.40%
Heartland Tiered MMDA$0.01 $2,500.00 0.05%0.05%
 $2,500.00 $2,500.00 0.30%0.30%
 $10,000.00 $2,500.00 0.40%0.40%
 $25,000.00 $2,500.00 0.50%0.50%
 $50,000.00 $2,500.00 0.75%0.75%
 $100,000.00 $2,500.00 0.80%0.80%
 $200,000.00 $2,500.00 0.90%0.90%

On all Checking, Savings and MMDA Accounts the interest rate and annual percentage yield (APY) may change after account opening. Fees could reduce the earnings on the account. For current rate information call (701) 493-2817.

CD TYPES
MINIMUM BALANCE TO OBTAIN APYMINIMUM BALANCE TO OPENINTEREST RATEAPY
1 Month$0.01 $500.00 0.05%0.05%
1 Month$10,000.00 $500.00 0.10%0.10%
3 Month$0.01 $500.00 0.10%0.10%
3 Month$10,000.00 $500.00 0.15%0.15%
6 Month$0.01 $500.00 0.30%0.30%
6 Month$10,000.00 $500.00 0.40%0.40%
9 Month$0.01 $500.00 0.40%0.40%
9 Month$10,000.00 $500.00 0.50%0.50%
12 Month$0.01 $500.00 0.60%0.60%
12 Month$10,000.00 $500.00 0.70%0.70%
15 Month$0.01 $500.00 0.60%0.60%
15 Month$10,000.00 $500.00 0.70%0.70%
18 Month$0.01 $500.00 0.70%0.70%
18 Month$10,000.00 $500.00 0.80%0.80%
24 Month$0.01 $500.00 0.80%0.80%
24 Month$10,000.00 $500.00 0.90%0.90%
30 Month$0.01 $500.00 0.95%0.95%
30 Month$10,000.00 $500.00 1.05%1.05%
36 Month Bump Rate**$0.01 $500.00 1.25%1.25%
5 Year$0.01 $500.00 1.55%1.55%
5 Year$10,000.00 $500.00 1.65%1.65%
Their Future CD***$0.01 $50.00 1.00%1.00%
12 Month IRA CD$0.01 $100.00 1.00%1.00%
12 Month IRA CD$10,000.00 $100.00 1.00%1.00%

**May be exchanged for a higher rate once before maturity. The Interest rate and annual percentage yield (APY) may change after account opening. For current rate information call (701) 493-2817.

*** This is a variable term account in which the term in months will be equal to the number of months until the anticipated high school graduation date of the minor for whom this CD is purchased.

A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. For current rate information call (701) 493-2817.

IRA TYPES
MINIMUM BALANCE TO OBTAIN APYMINIMUM BALANCE TO OPENINTEREST RATEAPY
12 Month IRA Certificate$0.01 $100.00 1.00%1.00%
12 Month IRA Certificate$10,000.00 $100.00 1.00%1.00%

A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. For current rate information call (701) 493-2817.