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Heartland Bank and Trust Company


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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 7/18/2025
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 7/18/2025
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 7/18/2025
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 7/18/2025
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 7/18/2025
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.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 15th largest bank in the state of Illinois. It is also the 284th 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.

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #20369
Year Established1971
Employees826
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.62%
Return on Equity - YTD13.05%
Annual Interest Income$63.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$5.09B$5.04B
LoansQ1 2025vs Q1 2024$3.42B$3.31B
DepositsQ1 2025vs Q1 2024$4.4B$4.37B
Equity CapitalQ1 2025vs Q1 2024$640.3MM$573.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$42.1MM$40.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.8MM$7MM
Real Estate OwnedQ1 2025vs Q1 2024$351K$277K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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 7/18/2025
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 7/18/2025
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 7/18/2025
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 7/18/2025
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 7/18/2025
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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* 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
0.50%*$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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$100-18 Month Variable IRA
Locations

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