Heartland Bank and Trust Company

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 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

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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 15^th largest bank in the state of Illinois. It is also the 284^th largest bank in the nation. It was established in 1971 and as of March of 2025, it had grown to 826 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.

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	20369
Year Established	1971
Employees	826
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.62%
Return on Equity - YTD	13.05%
Annual Interest Income	$63.1MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$5.09B$5.04B
Loans	Q1 2025vs Q1 2024	$3.42B$3.31B
Deposits	Q1 2025vs Q1 2024	$4.4B$4.37B
Equity Capital	Q1 2025vs Q1 2024	$640.3MM$573.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$42.1MM$40.8MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3.8MM$7MM
Real Estate Owned	Q1 2025vs Q1 2024	$351K$277K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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

Skip to rates for:

Savings
Money Market
Checking
CD
IRA

Report an Issue

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

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$250k^*	-	Savings Account
OTHER TIERS: 0.03% → $0 - $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
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
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
3.75%	$5k	-	7 Month CD Special
3.75%	$5k	-	Business 7 Month CD Special
3.65%	$5k	-	9 Month CD Special
3.65%	$5k	-	Business 9 Month CD Special
3.50%	$5k	-	14 Month CD Special
3.50%	$5k	-	Business 14 Month CD Special
3.40%	$5k	-	Business 21 Month CD Special
3.40%	$5k	-	21 Month CD Special
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

Peoria Area

Peoria Area bank & credit union details

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.