Bank · FDIC insured
Heartland State Bank Savings Rates
Heartland State Bank’s best savings rate is 0.50% APY on $10,000, with its Heartland Tiered MMDA. Rates checked October 22, 2026.
How Heartland State Bank’s savings rates compare
Compared with banks and credit unions in North Dakota, where Heartland State Bank has the most branches. $10,000, best rate first.
This bank’s best
Heartland State Bank
0.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
Heartland Tiered MMDA
Top rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Tel-U-Watt Federal Credit Union
3.25%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $325
Heartland State Bank savings score
79
Savings score
Higher than 50% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.26%
- 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.
Where Heartland State Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Heartland Tiered MMDA
0.50%APY
There is a $6.00 fee any month that the account falls below the minimum balance of $2,500. Interest rate and APY may change after account opening. Fees could reduce earnings. Compounding is monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum balance to open is $2,500. $6.00 fee in any month the account falls below $2,500. | 0.20% | — | Minimum balance to open is $2,500. $6.00 fee in any month the account falls below $2,500. |
| $2,500 – $10,000Minimum balance to open is $2,500. $6.00 fee in any month the account falls below $2,500. | 0.25% | — | Minimum balance to open is $2,500. $6.00 fee in any month the account falls below $2,500. |
| $10,000 – $25,000Minimum balance to open is $2,500. $6.00 fee in any month the account falls below $2,500. | 0.50% | $50 | Minimum balance to open is $2,500. $6.00 fee in any month the account falls below $2,500. |
| $25,000 – $50,000Minimum balance to open is $2,500. $6.00 fee in any month the account falls below $2,500. | 0.75% | — | Minimum balance to open is $2,500. $6.00 fee in any month the account falls below $2,500. |
| $50,000 – $100,000Minimum balance to open is $2,500. $6.00 fee in any month the account falls below $2,500. | 1.00% | — | Minimum balance to open is $2,500. $6.00 fee in any month the account falls below $2,500. |
| $100,000 – $200,000Minimum balance to open is $2,500. $6.00 fee in any month the account falls below $2,500. | 1.26% | — | Minimum balance to open is $2,500. $6.00 fee in any month the account falls below $2,500. |
| $200,000 and upMinimum balance to open is $2,500. $6.00 fee in any month the account falls below $2,500. | 1.51% | — | Minimum balance to open is $2,500. $6.00 fee in any month the account falls below $2,500. |
Statement Savings
0.20%APY
On all Checking, Savings and MMDA Accounts the interest rate and annual percentage yield (APY) may change after account opening. Fees could reduce the earnings on the account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Earn a higher rate of interest and get a quarterly statement without passbook.Over $0 | 0.20% | $20 | Earn a higher rate of interest and get a quarterly statement without passbook. |
Special-purpose accounts
IRA Savings
3.00%APY
Traditional and Roth IRAs available. Interest rate and APY may change after account opening. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 3.00% | $300 |
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.