Our branches will be closed Monday, November 11 in observance of Veterans Day. Please see our Holiday Schedule for more information.

Savings Accounts

Find the Heartland Bank Savings Account to fit your lifestyle.


Simply Savings Account

An account for every savings goal, this account makes it easy for you to start saving!

  • Minimum opening deposit is only $50, and just $25 minimum for minor account owners under age 18.
  • Minimum average quarterly balance is $200. A quarterly fee of $3 is charged if your account balance falls below the minimum. Minimum balance fees are waived for minor account owners under age 18.
  • Accrue interest on cash deposits immediately, and non-cash items the business day we receive credit for the deposit.
  • Receive quarterly statements unless combined with a checking account statement.
  • Transaction fee of $1.75 per withdrawal if withdrawals exceed nine per quarter.
  • Transaction fee waived with $500 minimum balance maintained during statement period and for minor account owners under the age of 18.

Daily Balance Information

Our Simply Savings Account account has different daily balance requirements based on levels of interest earned. The interest rate and the annual percentage yield are paid based on account balance determined daily according to the following tier structure:

  • Level 1: Daily balance of $250,000 or more
  • Level 2: Daily balance of $100,000-$249,999.99
  • Level 3: Daily balance of $25,000-$99,999.99
  • Level 4: Daily balance of less than $25,000

Interest on this variable rate account will be compounded and credited quarterly.*


Capital Money Market Account

Earn higher interest rates while keeping money available. Combined with a checking account, enjoy the convenience of one monthly statement for both accounts.

The Capital Money Market account is different from regular savings accounts for a couple reasons. First, this account earns higher interest than a regular savings account. It also requires a higher minimum balance.

Fast Facts About the Capital Money Market Account

  • The minimum opening deposit is $10,000.
  • If your balance falls below $10,000, you will be charged a $15 service fee to keep the account open.
  • You'll get a monthly statement to track account activity.

Daily Balance Information

Our Capital Money Market account has different daily balance requirements based on levels of interest earned. The interest rate and the annual percentage yield are paid based on account balance determined daily according to the following tier structure:

  • Level 1: Daily balance of more than $500,000**
  • Level 2: Daily balance of $100,000-$500,000
  • Level 3: Daily balance of $50,000-$99,999.99
  • Level 4: Daily balance of $10,000-$49,999.99
  • Level 5: Daily balance of less than $10,000

Interest compounded and credited monthly*

Interest rate is paid on that portion of the balance above $500,000**


Super Money Market Account

Earn higher rates with higher balances while keeping your money available.

For those looking to invest their dollars but still keep them accessible, Heartland Bank’s Super Money Market account is the perfect solution. This higher-balance savings account puts your money to work, yet still allows you access your funds. The higher your balance – the more money your money makes.

The Super Money Market account is different from regular savings accounts for a couple reasons. First, this account earns higher interest than a regular savings account. It also requires a higher minimum balance.

Fast Facts about the Super Money Market Account

  • The minimum opening deposit is $2,500.
  • If your balance falls below $2,500, it’s only an $8 monthly service fee to keep it open.
  • You’ll get a monthly statement to track account activity.

Daily Balance Information

Our Super Money Market account has different daily balance requirements based on levels of interest earned. The interest rate and the annual percentage yield are paid based on account balance determined daily according to the following tier structure:

  • Level 1: Daily balance of $100,000 or more
  • Level 2: Daily balance of $50,000-$99,999.99
  • Level 3: Daily balance of $25,000-$49,999.99
  • Level 4: Daily balance of $10,000-$24,999.99
  • Level 5: Daily balance of less than $10,000

Interest on the variable rate Super Money Market Account is compounded and credited monthly, which means you'll earn interest each month!*


Health Savings Account (HSA)

Save tax-free for current and future qualified medical expenses.

These days, most families spend at least a few thousand dollars a year on out-of-pocket medical bills. Even with expensive insurance plans, deductibles seem to never be reached and costs are continually high.

With current regulations, healthcare is a requirement for every adult in the country. More than that, it’s vital to at least have catastrophic coverage in case of a serious emergency. You don’t want to break your arm and be stuck owing tens of thousands of dollars.

How High Deductible Health Plans Work

For catastrophic coverage, there’s the High Deductible Health Plan. It works like this: You pay a smaller monthly premium and are given coverage for emergency situations. Your deductible, the amount that must be covered prior to getting any coverage, is higher – and changes every year. This plan doesn’t cover standard doctor visits outside of those that fall under the definition of “preventive” – such as annual physicals. It also does not cover prescription drugs.

About Health Savings Accounts

Because of the high out-of-pocket expenses with High Deductible Health Plans, federal institutions instituted the Health Savings Account (HSA). This is a tax-free savings account that allows you to directly deposit money from your paycheck before federal and state taxes. You use this money to pay for qualified medical expenses such as doctor visits and prescription drugs.

The medical expenses you pay out of your HSA are also tax-free, and any leftover money in the account at the end of the year just rolls over into the next year.

The account has a limited amount of annual deposits, and changes every year. Your Heartland Bank Retail Banker will let you know all the numbers.

Breaking Down the Heartland Bank HSA

  • Minimum opening deposit is only $50
  • HSA set-up fee is only $20
  • NO annual fee
  • Your investment income grows tax-free
  • FREE HSA Visa® Check Card
  • FREE Digital Banking with Bill Pay
  • Interest paid monthly
  • Higher interest rates with balances of $2,500 or more
  • Distributions made from your account to pay or reimburse qualified medical expenses are tax-free
  • Only $6 monthly service charge if minimum balance falls below $500.
  • Interest compounded and credited monthly*

Daily Balance Information

Our Health Savings Account has different daily balance requirements based on levels of interest earned. The interest rate and the annual percentage yield are paid based on account balance determined daily according to the following tier structure:

  • Level 1: Daily balance of $25,000 or more
  • Level 2: Daily balance of $10,000 - $24,999.99
  • Level 3: Daily balance of $2,500 - $9,999.99
  • Level 4: Daily balance of Less than $2,500

To learn more about any of these savings accounts, visit any of our convenient locations today, or give us a call.


*We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. See Rate Sheet for current interest rate and annual percentage rate.

We're Here For You!

Our Customer Care Representatives are ready to assist you Monday - Friday 8:00 a.m. - 6:00 p.m. and Saturday 8:00 a.m. - 1:00 p.m. Give us a call at 888-897-2276.