Heartland Bank and Trust Company Savings & Money Market Rates

How Heartland Bank and Trust Company’s savings 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
0.50%APY
Requires
None
Minimum
$10,000
Earns on $10,000 a year
$50
Capital Money Market
Top rate
Justice Federal Credit Union
4.00%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$400
Justice Federal Credit Union rates
2nd-highest rate
United Trust Bank
3.90%APY
Requires
None
Minimum
$10,000
Earns on $10,000 a year
$390
United Trust Bank rates

Compare savings rates near you →

78

Savings score

Higher than 46% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.03%
$10,000 balance$10,0000.50%
$100,000 balance$100,0002.02%
QualifiedQualified0.50%

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.

How the score works →

Where Heartland Bank and Trust Company ranks

By savings score, in each area where it has branches

And 12 more areas →

Every rate

Current savings rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

Capital Money Market

Up to 0.50%APY$10,000 to open

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $10,000	0.01%	$1
$10,000 – $50,000	0.50%	$50
$50,000 – $100,000	1.51%	—
$100,000 – $500,000	2.02%	—
$500,000 and up	2.27%	—

Sources (1)

hbtbank.com/rates · captured Oct 6, 2026

Super Money Market

Up to 0.15%APY$2,500 to open

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $10,000	0.02%	$2
$10,000 – $25,000	0.15%	$15
$25,000 – $50,000	0.25%	—
$50,000 – $100,000	0.50%	—
$100,000 and up	0.75%	—

Sources (1)

hbtbank.com/rates · captured Oct 6, 2026

Special-purpose accounts

Simply Savings

0.03%APYAge limits$50 to open

Minimum to open the account is only $50 for 18 and over. Under 18 can open an account for $25. Average quarterly balance of $200 required to avoid $3 charge (waived for under 18). Interest compounded and credited quarterly based on daily balance. $1.75 charge per withdrawal over 9 per quarter (waived if $500 minimum quarterly balance or under 18).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Level 4 tier for daily balance of less than $25,000.	0.03%	$3	Level 4 tier for daily balance of less than $25,000.
$25,000 – $100,000Level 3 tier for daily balance of $25,000 – $99,999.99.	0.15%	—	Level 3 tier for daily balance of $25,000 – $99,999.99.
$100,000 – $250,000Level 2 tier for daily balance of $100,000 – $249,999.99.	0.35%	—	Level 2 tier for daily balance of $100,000 – $249,999.99.
$250,000 and upLevel 1 tier for daily balance of $250,000 or more.	0.50%	—	Level 1 tier for daily balance of $250,000 or more.

Sources (2)

All captured Oct 16, 2026

Health Savings Account (HSA)

0.05%APYHSA$50 to open

Minimum opening deposit $50. The set-up fee is only $20. There's no annual fee. Monthly service charge $6 if balance falls below $500. Covered by HDHP required. Interest compounded and credited monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500There's a small $6 monthly service charge if the account's balance falls below $500.	0.02%	—	There's a small $6 monthly service charge if the account's balance falls below $500.
$2,500 – $10,000	0.03%	—
$10,000 – $25,000	0.05%	$5
$25,000 and up	0.07%	—