Overview / Commentary
309-662-4444
401 North Hershey Road
Bloomington, IL 61702

Heartland Bank and Trust Company is headquartered in Bloomington and is the 14th largest bank in the state of Illinois. It is also the 328th largest bank in the nation. It was established in 1971 and as of June of 2018, it had grown to 677 employees at 58 locations. Heartland Bank and Trust Company's money market rates are 5X the national average, and it has a B+ health rating.

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Reviews (3)

Heartland Bank - An honest reaction

I really truly enjoy this bank. They treat me with respect though I make a modest living. They answer all of my questions and are timely yet they explain the answers to any questions I may have in a very direct and understandable way. They make honest offers and have helped me increase my overall saving and ease of use when it comes to banking and finance as a whole.

Very Good Bank!

Posted by: Anonymous | Sep 4, 2010

i bank with heartland and they are great. now that i see their balance sheet i am very impressed. has good online services and alot of branches around illinois

Great Small Bank

Posted by: amyhess | Jan 16, 2018

We have had an incredibly positive experience using this bank. The small feel and customer service leaves you feeling very important, as if they care about you as an individual. The interest rates offered are extremely competitive and we found them better than most of the large banks in our area. They are willing to help not only in person, but on the phone and through their website. Their web experience is average, but the exceptional customer support more than makes up for that. Highly recommended to anyone in the area!



Health
B+

Health Grade Components

Overall
FDIC Certificate #20369
Year Established1971
Employees677
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.32%
Return on Equity - YTD21.12%
Annual Interest Income$61.6MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$2.87B$2.98B
LoansQ2 2018vs Q2 2017$1.96B$1.97B
DepositsQ2 2018vs Q2 2017$2.48B$2.56B
Equity CapitalQ2 2018vs Q2 2017$323.2MM$337.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$18.8MM$18.9MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$19.7MM$24.1MM
Real Estate OwnedQ2 2018vs Q2 2017$10.7MM$12.8MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Heartland Bank and Trust Company; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heartland Bank and Trust Company Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$25k*-HSA Checking
OTHER TIERS: 0.05% Up to $2.5k | 0.06% $2.5k - $10k | 0.09% $10k - $25k
0.06%$50-Savings Account

Heartland Bank and Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$100k*-Capital Money Market Special
OTHER TIERS: 0.06% Up to $10k | 0.88% $10k - $50k | 1.87% $50k - $100k
2.02%*$100k*-Business Capital Money Market Special
OTHER TIERS: 0.06% Up to $10k | 0.88% $10k - $50k | 1.87% $50k - $100k
0.14%*$50k*-Super Money Market
OTHER TIERS: 0.03% Up to $10k | 0.06% $10k - $25k | 0.10% $25k - $50k

Heartland Bank and Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$25k*-Capital Interest Checking
OTHER TIERS: 0.05% Up to $2.5k | 0.06% $2.5k - $10k | 0.09% $10k - $25k
0.05%$50-50+ Free Interest Checking
0.05%$50-VIP Free Interest Checking
0.04%$50-Business Checking w/ Interest

Heartland Bank and Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.61%$5k-27 Month New Money CD Special
2.29%$5k$250k14 Month New Money CD Special
1.73%$5k-60 Month CD
1.48%$5k-48 Month CD
1.11%$1.5k-36 Month CD
0.86%$1.5k-24 Month CD
0.76%$1.5k-18 Month CD
0.43%$1.5k-12 Month CD
0.39%$2.5k-6 Month CD
0.29%$2.5k-3 Month CD

Heartland Bank and Trust Company IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$100-18 Month Variable IRA
Locations

Availability



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