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  2. Heartland Bank and Trust Company

Heartland Bank and Trust Company


Overview / Commentary
www.hbtbank.com
888-897-2276
401 North Hershey Road
Bloomington, IL 61702-0067

Heartland Bank and Trust Company is headquartered in BLOOMINGTON and is the 12th largest bank in the state of Illinois. It is also the 272nd largest bank in the nation. It was established in 1971 and as of March of 2023, it had grown to 725 employees at 73 locations. Heartland Bank and Trust Company's money market rates are 5X the national average, and it boasts an A+ health rating.

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Reviews (4)

Heartland Bank - An honest reaction

Posted by: |

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.

1

Very Good Bank!

Posted by: |

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

1

Great Small Bank

Posted by: |

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!

1

Terrible Bank Policies

Posted by: |

Went in not to long ago to open a checking account , and everyone was friendly and they told me all these great things about their bank and all the wonderful services they provided but while I was asking questions on what I was looking for in bank found out they put a 11 business day hold on all out of state checks even from major banks and credit unions , well to say the least in this day of electronic banking this policy was unacceptable the bank I was looking to leave was even smaller then this bank and they cleared out of state checks by next business day ,, Heartland get with the times and the 21st century no one wants to wait 11 days for you to get around to clearing a check...................

2


Health
A+

Data as of Q1 2023

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #20369
Year Established1971
Employees725
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD9.84%
Annual Interest Income$51.8MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$5.01B$4.35B
LoansQ1 2023vs Q1 2022$3.16B$2.47B
DepositsQ1 2023vs Q1 2022$4.31B$3.84B
Equity CapitalQ1 2023vs Q1 2022$535.7MM$432.6MM
Loan Loss AllowanceQ1 2023vs Q1 2022$38.8MM$24.5MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$4.5MM$2.5MM
Real Estate OwnedQ1 2023vs Q1 2022$1.0MM$3.0MM
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
0.50%*$250k*-Savings Account
OTHER TIERS: 0.03% → $50 - $25k | 0.15% → $25k - $100k | 0.35% → $100k - $250k
0.07%*$25k*-HSA Checking
OTHER TIERS: 0.02% → Up to $2.5k | 0.03% → $2.5k - $10k | 0.05% → $10k - $25k

Heartland Bank and Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%*$500k*-Capital Money Market Special - New Money
OTHER TIERS: 0.01% → Up to $10k | 0.50% → $10k - $50k | 1.51% → $50k - $100k | 2.02% → $100k - $500k
0.75%*$100k*-Super Money Market
OTHER TIERS: 0.02% → Up to $10k | 0.15% → $10k - $25k | 0.25% → $25k - $50k | 0.50% → $50k - $100k

Heartland Bank and Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Capital Interest Checking
OTHER TIERS: 0.02% → Up to $2.5k | 0.03% → $2.5k - $10k | 0.05% → $10k - $25k | 0.10% → $25k - $100k
0.25%*$100k*-Business Checking w/ Interest
OTHER TIERS: 0.02% → Up to $25k | 0.10% → $25k - $100k

Heartland Bank and Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.09%$5k$250k9 Month CD Special (New Money Only)
5.09%$5k$250kBusiness 9 Month CD Special (New Money Only)
4.84%$5k$250k15 Month CD Special (New Money Only)
4.84%$5k$250kBusiness 15 Month CD Special (New Money Only)
0.30%$5k-60 Month CD
0.25%$5k-48 Month CD
0.20%$1.5k-36 Month CD
0.17%$1.5k-24 Month CD
0.15%$1.5k-18 Month CD
0.10%$1.5k-12 Month CD
0.07%$2.5k-6 Month CD
0.03%$2.5k-3 Month CD

Heartland Bank and Trust Company IRA Rates

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

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