RateHerald

APY on $10,000

0.50%

As of Nov 1, 2026. Rates are variable.

Heartland Bank and Trust Company · Savings account

Heartland Bank and Simply Savings Account

$0 a year on $10,000 at today’s 0.50% APY. $3 a month. $50 to open.

Checked Nov 1, 2026Updated

A year on $10,000
APY on $10,000
Monthly fee
To open

In dollars

What it earns in a year

Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.

Rates are variable; these are today’s.

Features

  • Interest bearing
  • Minor accounts

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

Rates by balance

$25,000 to $100,000
0.15%
$100,000 to $250,000
0.35%
$250,000 and up
0.50%

The bank’s rates · as of Nov 1, 2026

In the bank’s words

Terms

Rate conditions

Interest compounds
compounded and credited quarterlyhbtbank.com, checked Nov 1, 2026

Fees

Monthly fee
$3 a monthhbtbank.com, checked Nov 1, 2026
Ways to avoid the monthly fee
Any one of these:
  • The account has to be kept at an average quarterly balance of $200.
  • the low balance fees are waived for account-holders who are under 18
hbtbank.com, checked Nov 1, 2026
Minimum to open
$50hbtbank.com, checked Nov 1, 2026
Fee for each withdrawal over the limit
$1.75hbtbank.com, checked Nov 1, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money

See it on hbtbank.com

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