Heartland Bank and Trust Company


Overview / Commentary
309-662-4444
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 310th largest bank in the nation. It was established in 1971 and as of December of 2020, it had grown to 747 employees at 63 locations. Heartland Bank and Trust Company has an A+ health rating.

Reviews (4)

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: |

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: |

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!

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...................



Health
A+

Health Grade Components

Overall
FDIC Certificate #20369
Year Established1971
Employees747
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.17%
Return on Equity - YTD10.54%
Annual Interest Income$123.9MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$3.66B$2.91B
LoansQ4 2020vs Q4 2019$2.23B$1.99B
DepositsQ4 2020vs Q4 2019$3.17B$2.48B
Equity CapitalQ4 2020vs Q4 2019$398.2MM$329.7MM
Loan Loss AllowanceQ4 2020vs Q4 2019$31.8MM$20.1MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$10.4MM$18.1MM
Real Estate OwnedQ4 2020vs Q4 2019$4.2MM$4.7MM
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
0.07%*$25k*-HSA Checking
OTHER TIERS: 0.02% Up to $2.5k | 0.03% $2.5k - $10k | 0.05% $10k - $25k
0.03%$50-Savings Account

Heartland Bank and Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.08%*$50k*-Super Money Market
OTHER TIERS: 0.02% Up to $10k | 0.04% $10k - $25k | 0.06% $25k - $50k
0.08%*$100k*$500kCapital Money Market Special - New Money
OTHER TIERS: 0.01% Any amount | 0.04% $10k - $50k | 0.06% $50k - $100k
0.08%*$100k*$500kBusiness Capital Money Market Special - New Money
OTHER TIERS: 0.01% Any amount | 0.04% $10k - $50k | 0.06% $50k - $100k

Heartland Bank and Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.07%*$25k*-Capital Interest Checking
OTHER TIERS: 0.02% Up to $2.5k | 0.03% $2.5k - $10k | 0.05% $10k - $25k
0.02%$50-50+ Free Interest Checking
0.02%$50-VIP Free Interest Checking
0.02%$50-Business Checking w/ Interest

Heartland Bank and Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

Availability



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