Heartland Bank and Trust Company

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CURRENT TOP RATE

5 Month CD Special (New Money Only)

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 14^th largest bank in the state of Illinois. It is also the 279^th largest bank in the nation. It was established in 1971 and as of June of 2024, it had grown to 840 employees at 70 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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2008

12/1 - 4.70% 38-Month CD & 4.18% 13-Month CD at Bank of Shorewood in Illinois

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Health

A+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	20369
Year Established	1971
Employees	840
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.46%
Return on Equity - YTD	12.82%
Annual Interest Income	$124.7MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$5B$4.97B
Loans	Q2 2024vs Q2 2023	$3.35B$3.22B
Deposits	Q2 2024vs Q2 2023	$4.34B$4.17B
Equity Capital	Q2 2024vs Q2 2023	$585.1MM$532.4MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$40.8MM$37.8MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$6.3MM$5.2MM
Real Estate Owned	Q2 2024vs Q2 2023	$168K$755K

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.25%	$5k	-	5 Month CD Special (New Money Only)
4.25%	$5k	-	Business 5 Month CD Special (New Money Only)
4.00%	$5k	$250k	7 Month CD Special (New Money Only)
4.00%	$5k	$250k	Business 7 Month CD Special (New Money Only)
3.75%	$5k	$250k	9 Month CD Special (New Money Only)
3.75%	$5k	$250k	Business 9 Month CD Special (New Money Only)
3.50%	$5k	$250k	14 Month CD Special (New Money Only)
3.50%	$5k	$250k	Business 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$100	-	18 Month Variable IRA

Locations

Availability

Chicago Area

Chicago Area bank & credit union details

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