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Savings Accounts

Certificates of Deposit | Savings and Money Markets | Checking with Interest

Effective
Checking Accounts**	Interest Rate	APY*	Minimum to Open	Compounded & Credited
50+ Free Interest Checking	0.40%	0.40%	$50	Monthly
VIP Free Interest Checking	0.40%	0.40%	$50	Monthly
Capital Interest Checking			$50	Monthly
$25,000 and over	1.31%	1.32%
$10,000 - $24,999	1.06%	1.07%
$2,500 - $9,999	0.65%	0.65%
Less than $2,500	0.40%	0.40%
Business NOW Checking	0.71%	0.71%	$1,000	Monthly

*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.

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Call 888.897.2276

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

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