Savings & CDs

Saving money is simple at Heartland Bank!

Find the Savings Account to fit your lifestyle at Heartland Bank. We have an option for everyone, whether you’re a Super Saver or pace yourself over the long-term. We even have options for the health conscious. And our accounts make it easy to set up automatic transfers, so we do the hard work for you.

Not only that, but we offer Certificates of Deposit (CDs) so you can put away for that special day. With all the ways to save, you’ll cast a wide safety net in no time.

At Heartland Bank, we know just how important it is to have that safety net. Life happens, and we can’t always predict what financial situation we may be facing in the future. With a solid savings plan, bumps in the road don’t have to send you off course. No matter how little or how much you can put into a savings account, any amount counts!

Getting started on sewing your safety net is quick and easy. Visit any of our convenient locations, or apply online for a savings account or CD now!

Personal Savings

Our personal savings options include:

  • Regular Savings Account: With a minimum deposit of only $50 (For those under 18 it’s only $25) and no monthly service fees, it’s simple to save.
  • Super Savers Club: This account offers a higher interest rate, has no service fees and takes only $10 to open.
  • Super Money Market: Perfect for bigger balances, it offers a tiered system of daily balances that rewards you the more you save.
  • Health Savings Account: A tax-free savings account for high deductible health plans designed to help you pay for qualified medical expenses.

Certificates of Deposit (CDs)

CDs provide a fixed interest rate for a specific period of time. The length of time can vary from two to three to five years or more – you can choose depending on your needs. Deposit your money in any number of investment terms and you'll earn a competitive, fixed interest rate in a safe and secure FDIC-insured investment. 

CDs are the perfect gift for that newborn grandchild or the soon-to-be college student. It’s even helpful for students about to graduate and enter the real world. CDs can also be used as collateral for a loan, allowing you to leave your savings untouched.

See our rate sheet for current interest rate and annual percentage rate.


To learn more about our Savings Accounts and CDs, visit any of our convenient locations, or give us a call.

Customer Care Center: 888-897-2276
Monday-Friday: 7:00 am to 6:00 pm
Saturday: 8:00 am to 1:00 pm