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Personal CDs & IRAs

A Safe, Reliable, High Earning Way to Save

Maximize your returns with these higher-interest options. From CDs (Certificate of Deposits) to IRAs, Heartland Bank has the right savings option for you. We’re here to listen to your goals and review the alternatives that best fit your life.

Standard CDs
Certificates of Deposits
Rate Information: Contact Us
Available Term: 3, 6, 9, 12, 18, 24, 30, 36, 48, 60 months
Minimum amount to open: $1,000.00
Penalty for early withdrawal: Determined by term of certificate. Early withdrawal will reduce earnings.
Terms of renewal: Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. A grace period of ten calendar day(s) after maturity is given to withdraw the funds without being charged an early withdrawal penalty.
Interest: For convenience, interest may be added to the certificate or credited to a checking or savings account of the customer's choice.
Free Online Banking Free Online Banking is available to check your certificate balance, interest rate and maturity. Ask a Personal Banker for details on how to sign-up.

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10 & 20 Month Adjust-A-Rate CDs

A great Certificate of Deposit when you are uncertain of what rates are going to do in the future.

  • Allows the holder to change the interest rate once during the term of the current 10-month or 20-month Adjust-A-Rate Certificate of Deposit rate.
  • $1,000 minimum to open account
  • Ten day grace period following maturity to withdraw funds without penalty
  • Interest compounded monthly
  • Interest may be credited to a checking or savings account of the customer’s choice
  • Automatically renewable
  • Early withdrawal will reduce earnings
  • Ask a Personal Banker for current interest rate and annual percentage yield
  • Free On-line Banking

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If you are thinking of depositing more than $250,000 in a CD and want full FDIC coverage, we provide the Certificate of Deposit Account Registry Service known as CDARS. Everything for this service is handled through Heartland Bank. A large deposit is broken into smaller amounts and placed with other banks that are members of a special network. Those member banks issue CDs in amounts under $250,000, so your entire investment is eligible for FDIC insurance, and all while working with just Heartland Bank.

You earn one rate on your entire investment, so you don’t have the hassle of negotiating multiple rates and receive multiple disbursement checks. You receive one regular account statement listing all your CDs, along with the issuing banks’ names, maturity dates, interest earned and other details.

How Does CDARS work?

  • You enter into one Deposit Placement Agreement with Heartland Bank.
  • You select an interest rate and a maturity which best matches their investment goals, based on our current CD options
  • Using CDARS, we submit your funds for placement at member banks.
  • Member banks issue the CDs in denominations under $250,000 so your entire investment is eligible for full FDIC insurance coverage
  • You will receive written confirmation of deposit and a listing of all CDs.
  • You will receive one monthly statement, and one single year-end 1099 that reports taxable income on all CDs involved.

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An IRA is an account which allows you to save for retirement with tax-free growth or on a tax-deferred basis. There are two main types of IRAs- Traditional and Roth- each with different advantages.  Heartland Bank offers IRA Certificates of Deposit and IRA passbook savings accounts.  All you need to do is select the best fitting type of account for your retirement planning strategy.*

Find out about investment choices available at Heartland Bank by visiting our Investment Center.

*Consult a tax advisor regarding the deductibility of traditional IRA contributions.

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Savings OptionsKey FeaturesIdeal if You Want
Certificates of Deposit (CDs) Competitive rates and a wide variety of terms Peace of mind as your cash grows
Retirement/IRAs Options for Traditional IRAs, Roth IRAs, Coverdell Education IRAs, SEP, and Simple IRAs Long-term growth as part of your retirement portfolio

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