Heartland Bank (OH)

Overview / Commentary
850 North Hamilton Road
Gahanna, OH 43230

Heartland Bank (OH) is headquartered in WHITEHALL and is the 21st largest bank in the state of Ohio. It is also the 632nd largest bank in the nation. It was established in 1911 and as of March of 2023, it had grown to 286 employees at 23 locations. Heartland Bank (OH)'s money market rates are 10X the national average, and it boasts an A+ health rating.

Reviews (2)

Not A Matured Bank

Posted by: |

(1) Money Market account offer advertised on this site, account can not be open online, requires to visit local branch in-person.

(2) From website, when selected "Apply Now", it takes to 3rd party website (andrea.com) which asks to enter personal information, never heard of this company.

(3) Visited local branch in Westerville, OH and I was told that, once joint account is opened, there is no way to remove any member from account.

(4) Note advertised 1.75% rate is only valid for 90 days, and for up to $500K, so when spoken with local banker, they informed to keep balance only till $490K, if balance crosses $500K, then whole account interest rates downgrades, and looses 1.75 interest rates benefits. This was not normal.

Sincerely Concerned And Perplexed

I applied online for an account...upon entrance into the Gahanna location to complete my enrollment process I was greeted hastily as the first banker begin to question me and later stated there system is slow and she did not have time. I was passed off to another banker who took my credentials and basically excused me. This is the first time I have ever been treated in this fashion at a reputable financial institution. Normally, your given some paperwork regarding the banks products and services of the account....Nothing! just thank you and goodbye! The following day, later in the afternoon, I phoned the bank as I was concerned as to whether or not the account was established especially since Heartland initially debited funds from my primary banking institution to begin the process and was told by the first banker who pushed me off that she intended to contact me because of other concerns. I paused as I realized this was not the right banking relationship for me. I truly want to believe that in this modern day all people of various backgrounds and color are treated fairly, equally without prejudice and/or racial intentions. I truly do not want to believe or feel like this particular experience falls in a negative category. Moving forward, I sincerely suggest the professional staff of Heartland be mindful of how your service impacts your institution and more importantly how you treat your incoming potential customers..."first impressions are lasting." Ratings are not necessary at this time, thank you.


Health Grade Components

FDIC Certificate #9443
Year Established1911
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.13%
Return on Equity - YTD12.08%
Annual Interest Income$20.5MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$1.76B$1.45B
LoansQ1 2023vs Q1 2022$1.45B$1.14B
DepositsQ1 2023vs Q1 2022$1.58B$1.27B
Equity CapitalQ1 2023vs Q1 2022$161.9MM$161.0MM
Loan Loss AllowanceQ1 2023vs Q1 2022$16.6MM$15.5MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$1.4MM$1.3MM
Real Estate OwnedQ1 2023vs Q1 2022$5.00K$5.00K
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Always verify rates and promotions with the bank or credit union. We are not Heartland Bank (OH); 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 (OH) Savings Account Rates

0.06%*$50k*$500kHeartland Advantage Savings
OTHER TIERS: 0.01% Up to $10k | 0.02% $10k - $25k | 0.05% $25k+
0.06%*$50k*$500kHeartland Online Advantage Savings
OTHER TIERS: 0.01% Up to $10k | 0.02% $10k - $25k | 0.05% $25k+
0.04%*$5k*-Health Savings Account (HSA)
OTHER TIERS: 0.01% Up to $1.5k | 0.02% $1.5k - $5k
0.02%$25$250kIRA Statement Savings
0.02%$50-Heartland Basic Savings
0.02%$50-Heartland Online Basic Savings
0.02%$100-Heartland Business Online Basic Savings

Heartland Bank (OH) Money Market Rates

4.30%*$25k*$500kHeartland Money Market Savings Special
OTHER TIERS: 0.03% Up to $10k | 0.08% $10k - $25k | 0.12% $500k+
4.30%*$25k*$500kHeartland Online Money Market Savings Special
OTHER TIERS: 0.03% Up to $10k | 0.08% $10k - $25k | 0.12% $500k+
4.00%*$25k*$500kHeartland Business Money Market Savings Special
OTHER TIERS: 0.01% Up to $25k | 0.12% $500k+
0.12%*$500k*-Heartland Money Market Savings Account
OTHER TIERS: 0.03% Up to $10k | 0.05% $25k - $500k | 0.08% $10k - $25k
0.12%*$500k*-Heartland Online Money Market Savings
OTHER TIERS: 0.03% Up to $10k | 0.05% $25k - $500k | 0.08% $10k - $25k
0.12%*$500k*-Heartland Business Online Money Market Savings
OTHER TIERS: 0.01% Up to $25k | 0.02% $25k - $100k | 0.05% $100k - $500k

Heartland Bank (OH) Checking Account Rates

0.05%*$25k*-Heartland Advantage Checking
OTHER TIERS: 0.01% $2.5k - $10k | 0.02% $10k - $25k
0.05%*$25k*-Heartland Online Advantage Checking
OTHER TIERS: 0.01% $2.5k - $10k | 0.02% $10k - $25k

Heartland Bank (OH) CD Rates

5.15%$5k$250k9 Month CD Special - New Money
0.40%$500-60 Month CD
0.40%$500-60 Month Online CD
0.40%$500-Business 60 Month Online CD
0.30%$500-48 Month CD
0.30%$500-48 Month Online CD
0.30%$500-Business 48 Month Online CD
0.25%$500-36 Month CD
0.25%$500-30 Month CD
0.25%$500-36 Month Online CD
0.25%$500-Business 36 Month Online CD
0.20%$500-24 Month CD
0.20%$500-18 Month CD
0.20%$500-18 Month Online CD
0.20%$500-24 Month Online CD
0.20%$500-Business 18 Month Online CD
0.20%$500-Business 24 Month Online CD
0.15%$500-15 Month CD
0.10%$500-12 Month CD
0.10%$500-12 Month Online CD
0.10%$500-Business 12 Month Online CD
0.05%$500-9 Month CD
0.03%$500-6 Month CD
0.03%$500-7 Month CD
0.03%$500-6 Month Online CD
0.03%$500-Business 6 Month Online CD
0.02%$500-90 Day CD
0.01%$500-30 Day CD

Heartland Bank (OH) IRA Rates

0.40%$100-60 Month IRA
0.30%$100-48 Month IRA
0.20%$100-24 Month IRA
0.20%$100-18 Month IRA
0.10%$100-12 Month IRA


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