Super Money Market

Earn higher rates 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 up to a certain amount each month. The higher your balance – the more money your money makes.

Super Money Market accounts are different from regular savings accounts for a couple reasons. First, these types of accounts earn higher interest than a regular savings account. They also require a higher balance minimum, and limit the number of withdrawals per month. After all – the point with a savings account is to save money. 

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.
  • With this account, certain restrictions apply – such as the number of withdrawals. When you exceed the limit, a fee of $5 per withdrawal is instated. Make sure you read the account details to learn how it works.
  • You’ll get monthly statements to track it all.

Daily Balance Information

Our Super Money Market accounts have different daily balance requirements based on levels of interest earned. The interest rate and the annual percentage yield paid on the entire balance in your account will be determined daily. Check out the various requirements to find the perfect fit for you. 

  • Level 1: Daily balance of $50,000 or more
  • Level 2: Daily balance of $25,000-$49,999.99
  • Level 3: Daily balance of $10,000-$24,999.99
  • Level 4: 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! See our updated Rate Sheet for current interest rate and annual percentage rate yield for each tier.


To learn more about our Super Money Market Accounts, 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

*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. ^Electronic transfers and payments to third parties: Federal Reserve Regulation D limits the number of electronic transfers (i.e., preauthorized (ACH), automatic transfer, online, or telephone) and third party transactions to a combined total of six per month on savings and money market accounts. If an account regularly exceeds this activity, the account may be closed and reopened as a checking account. Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are not limited by Regulation D; however, bank service charges may apply. Please see your account disclosure for details, and contact us if you have any questions.