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

Deposits are now insured up to at least $250,000 per depositor through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except for IRAs and other certain retirement accounts which will remain at $250,000 per depositor.

Effective
Savings and Money Markets**	Interest Rate	APY*	Minimum to Open	Compounded & Credited
Savings	0.25%	0.25%	$50	Quarterly
Super Savers Club	0.28%	0.28%	$10	Quarterly
Super Money Market			$2,500	Monthly
$50,000 and Over	1.05%	1.06%
$25,000 - $49,999	0.71%	0.71%
$10,000 - $24,999	0.61%	0.61%
Less than $10,000	0.30%	0.30%
Mega Money Market			$25,000	Monthly
On the balance in excess of $100,000.99	1.11%	1.12%
$25,000 - $100,000	0.91%	0.91%
Less than $25,000	0.25%	0.25%
Opening deposit must be money not currently on deposit with Heartland Bank. Heartland Bank checking account is required.

*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