RateHerald

4accounts we track

  • Savings1
  • Money market2
  • CDs1

Bank in Bloomington, IL

Heartland Bank and Trust Company

FDIC-insured · certificate 20369

Savings, money market and CDs, with every rate from Heartland Bank and Trust Company’s own pages and every rank against the accounts we track.

Checked Nov 1, 2026Updated

Best savings rate
2.27%APY · Heartland Bank and Capital Money Market Account
Best CD rate
4.10%APY for 23 months

Every account we track

Accounts and rates

Savings and money market

A year on $10,000, after fees
Heartland Bank and Capital Money Market AccountMoney market account · $10,000 to open2.27%$227$15 a month
Heartland Bank and Super Money Market AccountMoney market account · $2,500 to open0.75%$15$8 a month
Heartland Bank and Simply Savings AccountSavings account · $50 to open0.50%$0$3 a month

Certificates of Deposit (CDs), by term

3 months0.03%—
6 months0.07%#122 of 143
8 months3.80%—
1 year1.00%#133 of 176
13 months4.00%—
18 months1.00%#87 of 107
23 months · Heartland Bank and Trust Company’s best4.10%—
2 years1.00%#103 of 134
3 years2.00%#65 of 98
4 years2.00%—
5 years2.00%#67 of 98

A dash: a term we don’t rank. All Heartland Bank and Trust Company CDs

Against the market

How Heartland Bank and Trust Company ranks

Where each ranked account sits on our list for its kind. Further right is higher on the list.

  • Heartland Bank and Capital Money Market AccountMoney market account#18 of 174
  • Heartland Bank and Super Money Market AccountMoney market account#61 of 174
  • Certificates of Deposit (CDs) · 3 yearsCD#65 of 98
  • Certificates of Deposit (CDs) · 5 yearsCD#67 of 98
  • Certificates of Deposit (CDs) · 1 yearCD#133 of 176
  • Certificates of Deposit (CDs) · 2 yearsCD#103 of 134
  • Certificates of Deposit (CDs) · 18 monthsCD#87 of 107
  • Certificates of Deposit (CDs) · 6 monthsCD#122 of 143

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.