Welcome to Heartland Bank Online!

Effective
Certificates of Deposit	Interest Rate	APY*	Minimum to Open	Compounded and Credited
3 Month	1.71%	1.72%	$2,500	At Maturity
6 Month	2.28%	2.30%	$2,500	Quarterly
9 Month [Special]	2.97%	3.00%	$5,000	Quarterly
For personal accounts only: $100,000 limit. Business rate: 2.28%, APY 2.30%
12 Month	2.52%	2.54%	$1,500	Quarterly
15 Month	2.52%	2.54%	$5,000	Quarterly
18 Month	2.52%	2.54%	$1,500	Quarterly
21 Month	2.52%	2.54%	$5,000	Quarterly
24 Month	2.62%	2.65%	$1,500	Quarterly
27 Month	2.62%	2.65%	$5,000	Quarterly
30 Month	2.67%	2.70%	$1,500	Quarterly
36 Month	2.67%	2.70%	$1,500	Quarterly
48 Month	3.07%	3.11%	$5,000	Quarterly
60 Month	3.22%	3.26%	$5,000	Quarterly
18 Mo Variable IRA**	2.45%	2.47%	$100	Quarterly

*Annual Percentage Yield
**The interest rate on a variable rate account may change after the account is opened.
Fees could reduce the earning on the account.
A penalty may be imposed for early withdrawal of a certificate of deposit.

Need Help?
Call 888.897.2276

Heartland Bank and Trust Co.
401 N. Hershey Road
P.O. Box 67
Bloomington, IL 61702-0067