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Heartland State Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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
APY APY = Annual Percentage Yield Rates as of 7/10/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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
Bonus Amount
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.heartlandstatebank.com
701-493-2817
401 Main Street
Edgeley, ND 58433-0068

Heartland State Bank is headquartered in EDGELEY and is the 53rd largest bank in the state of North Dakota. It is also the 4,064th largest bank in the nation. It was established in 1921 and as of March of 2025, it had grown to 11 employees at 2 locations. Heartland State Bank's CD rates are 4X the national average, and it has a B health rating.

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Health
B

Data as of Q1 2025

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Heartland State Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #3919
Year Established1921
Employees11
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD5.74%
Annual Interest Income$824K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$70.4MM$65.4MM
LoansQ1 2025vs Q1 2024$33.7MM$34.1MM
DepositsQ1 2025vs Q1 2024$63.8MM$59.1MM
Equity CapitalQ1 2025vs Q1 2024$6.1MM$5.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$451K$451K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$948K$995K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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
APY APY = Annual Percentage Yield Rates as of 7/10/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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
Bonus Amount
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
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Always verify rates and promotions with the bank or credit union. We are not Heartland State Bank; 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 State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$0-Statement Savings

Heartland State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%*$200k*-Heartland Tiered MMDA
OTHER TIERS: 0.20% → $0 - $2.5k | 0.50% → $2.5k - $10k | 0.75% → $10k - $25k | 1.00% → $25k - $50k | 1.26% → $50k - $100k | 1.51% → $100k - $200k

Heartland State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$0-Super NOW
0.10%$0-NOW

Heartland State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.04%*$10k*-6 Month CD
OTHER TIERS: 3.94% → $500 - $10k
3.75%*$10k*-12 Month CD
OTHER TIERS: 3.65% → $500 - $10k
3.55%*$10k*-3 Month CD
OTHER TIERS: 3.44% → $500 - $10k
3.53%*$10k*-18 Month CD
OTHER TIERS: 3.43% → $500 - $10k
3.26%*$10k*-9 Month CD
OTHER TIERS: 3.16% → $500 - $10k
3.25%*$10k*-24 Month CD
OTHER TIERS: 3.15% → $500 - $10k
3.02%$50-Their Future CD
3.02%*$10k*-30 Month CD
OTHER TIERS: 2.92% → $500 - $10k
3.00%$500-36 Month Bump Rate CD
3.00%*$10k*-5 Year CD
OTHER TIERS: 2.90% → $500 - $10k

Heartland State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$0-IRA Savings
3.00%$100-12 Month IRA CD
Locations


Heartland State Bank Locations
Kulm State Bank13 North Main AvenueKulm, ND 58456
Heartland State Bank401 Main StEdgeley, ND 58433

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