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Heartland Bank and Trust Company


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 15th largest bank in the state of Illinois. It is also the 287th largest bank in the nation. It was established in 1971 and as of December of 2024, it had grown to 844 employees at 70 locations. Heartland Bank and Trust Company's money market rates are 5X the national average, and it has an A health rating.

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #20369
Year Established1971
Employees844
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.57%
Return on Equity - YTD13.32%
Annual Interest Income$251.5MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$5.03B$5.07B
LoansQ4 2024vs Q4 2023$3.43B$3.37B
DepositsQ4 2024vs Q4 2023$4.33B$4.42B
Equity CapitalQ4 2024vs Q4 2023$618.9MM$563.5MM
Loan Loss AllowanceQ4 2024vs Q4 2023$42MM$40MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$6.1MM$5.2MM
Real Estate OwnedQ4 2024vs Q4 2023$311K$852K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* 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% → $0 - $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
OTHER TIERS: 0.01% → $0 - $10k | 0.50% → $10k - $50k | 1.51% → $50k - $100k | 2.02% → $100k - $500k
0.75%*$100k*-Super Money Market
OTHER TIERS: 0.02% → $0 - $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% → $0 - $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% → $0 - $25k | 0.10% → $25k - $100k

Heartland Bank and Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$5k-5 Month CD Special (New Money Only)
3.75%$5k-Business 5 Month CD Special (New Money Only)
3.65%$5k$250k7 Month CD Special (New Money Only)
3.65%$5k$250kBusiness 7 Month CD Special (New Money Only)
3.50%$5k$250k9 Month CD Special (New Money Only)
3.50%$5k$250kBusiness 9 Month CD Special (New Money Only)
3.40%$5k$250k14 Month CD Special (New Money Only)
3.40%$5k$250kBusiness 14 Month CD Special (New Money Only)
2.00%$5k-48 Month CD
2.00%$5k-60 Month CD
2.00%$1.5k-36 Month CD
1.00%$1.5k-12 Month CD
1.00%$1.5k-18 Month CD
1.00%$1.5k-24 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
1.00%$100-18 Month Variable IRA
Locations

Availability

Peoria Area

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