Bank · FDIC insured
Heartland Bank and Trust Company CD Rates
Heartland Bank and Trust Company’s best CD rate is 4.10% APY on a 23-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Heartland Bank and Trust Company’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Heartland Bank and Trust Company has the most branches. $10,000, best rate first.
This bank’s best
Heartland Bank and Trust Company
4.10%APY
- Term
- 23 months
- Minimum
- $5,000
- Earns on $10,000
- $801
Certificates of Deposit
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
Heartland Bank and Trust Company CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo2.00%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Heartland Bank and Trust Company ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.10%APY · 11 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.03% | $1 |
| 6 months | 0.07% | $3 |
| 8 monthsDeposit Special | 3.80% | $252 |
| 12 months | 1.00% | $100 |
| 13 monthsDeposit Special | 4.00% | $434 |
| 18 months | 1.00% | $150 |
| 23 monthsDeposit Special | 4.10% | $801 |
| 24 months | 1.00% | $201 |
| 36 months | 2.00% | $612 |
| 48 months | 2.00% | $824 |
| 60 months | 2.00% | $1,041 |
Special-purpose accounts
18 Month Variable IRA +
1.00%APY · 1 term
Variable rate
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable rate | 1.00% | $150 |
Sources (1)
- hbtbank.com/rates · captured Oct 6, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.