The following rates are presented for comparative purposes only and should not solely be used in determining the proper financing method. For more information on Heartland Bank financial products and services, please use the contact us button above.
This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. Rates subject to change without notice.
Mortgage Loan Rates
Call Heartland Mortgage, a division of Heartland Bank at 314.512.8900 for current rate information and to learn about a variety of mortgage loan programs that best fits your financial needs!
Consumer Loan Rates
The rates quoted are for comparative purposes only and should not solely be used in determining the proper financing method.
Auto, RV, Boat Loans
All auto rates can be lowered by 0.25% when you agree to direct debit of payments from a Heartland Bank account.
|
Model
Year |
Preferred
Customer**
|
Customer
|
Non-Customer
|
Rate***
(with auto debit)
|
APR*
|
Rate***
(with auto debit)
|
APR*
|
Rate***
(with auto debit)
|
APR*
|
2009-2006
36 Months
48 Months
60 Months |
6.24%
6.49%
6.74%
|
6.24%
6.49%
6.74%
|
6.49%
6.74%
6.99%
|
6.49%
6.74%
6.99%
|
6.99%
7.24%
7.49%
|
6.99%
7.24%
7.49%
|
2005
and older
36 Months
48 Months
60 Months
|
6.74%
6.99%
7.24%
|
6.74%
6.99%
7.24%
|
6.99%
7.24%
7.49%
|
6.99%
7.24%
7.49%
|
7.49%
7.74%
7.99%
|
7.49%
7.74%
7.99%
|
If you borrowed $10,000 for 60 months at 6.74% your monthly payment would be $196.79 with an APR of 6.74%
*Annual Percentage Rate.
**A Preferred Checking account must be established to qualify for the rates quoted in this category.
*** Add 0.25% APR for non auto debit.
Home Equity
Line of Credit Loan
| Principal and Interest Only Payments |
|
LTV |
Line
Amount |
Term |
Rate Calculation |
APR |
Index |
|
80% |
$10,000 & Up |
120 Months |
|
5.00% |
WSJ Prime |
Non - Customer |
| 80% |
$10,000 & Up |
120 Months |
WSJ Prime + 1.00% |
5.00% |
WSJ Prime |
Based on Prime Rate as published in Wall Street Journal.
As of December 16, 2008 Prime Rate was 3.25%.
Rates accurate as of
No points or closing costs. Fee of $500 on all home equity
lines paid off within 12-month period following closing.
Property insurance required. Offer is subject to normal
credit approval process. Customer rate advertised requires
auto debit of payment from a Heartland Bank deposit account.
The maximum rate will not exceed 20% APR and will not go below 5.00% APR.
Offer available on new equity lines or increases on existing
lines of $5,000 or more. Increase requires a $5,000 advance. |
Home Equity Loan
- Closed End Second
|
LTV
|
Term |
Rate |
APR |
80% & below |
60 Months |
6.75% |
6.75% |
| 80% & below |
120 Months* |
7.50% |
7.50% |
Rates accurate as of
Call for 60 month, non-customer closed-end second fixed rate.
Rates advertised requires auto debit of payment from a
Heartland Bank deposit account. Subject to credit approval.
Ex: $20,000 borrowed for 60 months, equal monthly payments
would be $400.08 with an APR of 6.75%. Or $20,000 borrowed
for 120 months, equal monthly payments would be $239.97 with an APR of 7.50%.
* Term not available to non-customers. |
Overdraft Protection
Automatic debit of payment is required.
| Rate
|
APR*
|
Term
Maximum |
18.00%
|
18.766%
|
24
Months |
* Annual Percentage Rate
Call Heartland Bank
for more information on all of our consumer loans
and terms. Rates subject to change without notice.
Deposit Accounts
CHECKING |
APY* |
Interest
Rate |
|
Heartland Preferred/Premier |
0.25% |
0.25% |
| Heartland Checking |
NA |
NA |
| Heartland Direct |
NA |
NA |
| Choice 50 Checking |
0.25% |
0.25% |
| * Annual Percentage Yield (APY) is accurate as of
Rates may change after the account is opened. Fees could reduce earnings on the account. Heartland Preferred/Premier Checking minimum opening balance is $1,000. The minimum opening balance of only $100 applies to Heartland Checking, Heartland Direct Checking, and Heartland Choice/Premier Choice 50 accounts. |
| |
|
MONEY
MARKET |
APY* |
Interest
Rate |
| Elite Business Money Market* |
|
|
| $75,000+ |
1.75% |
1.74% |
| $50,000-$74,999 |
1.75% |
1.74% |
| $25,000-$49,999 |
1.50% |
1.49% |
| $0-$24,000 |
1.00% |
1.00% |
Premier Business Money Market |
|
|
$50,000+ |
0.75% |
0.75% |
$20,000-$49,999 |
0.50% |
0.50% |
$10,000-$19,999 |
0.25% |
0.25% |
$1,000-$9,999 |
0.10% |
0.10% |
| Elite Money Market* |
|
|
| $75,000+ |
1.75% |
1.74% |
| $50,000-$74,999 |
1.75% |
1.74% |
| $25,000-$49,999 |
1.50% |
1.49% |
| $0-$24,000 |
1.00% |
1.00% |
| Heartland
Money Market |
|
|
$50,000+ |
0.75% |
0.75% |
$25,000-$49,999 |
0.35% |
0.35% |
$10,000-$24,999 |
0.20% |
0.20% |
| $1,000-$9,999 |
0.10% |
0.10% |
| Heartland
Preferred Money Market |
|
|
$150,001+
|
1.00% |
1.00% |
$50,001-$150,000 |
1.00% |
1.00% |
$25,001-$50,000
|
0.50% |
0.50% |
$5,001-$25,000
|
0.25% |
0.25%
|
$0-$5,000
|
0.10% |
0.10% |
| Premier Money Market |
|
|
$25,000+ |
1.00% |
1.00% |
$10,000-$24,999
|
0.75% |
0.75% |
$5,000-$9,999
|
0.50% |
0.50% |
$1,000-$4,999
|
0.25% |
0.25% |
*
Annual Percentage Yield (APY) is accurate as of
Rates may change at any time without prior notice. Fees could reduce earnings on the account. Minimum money market account opening balance is $1,000 except $5,000 is minimum opening balance for any Elite Money Market account. A Heartland Preferred Checking account must be established to open a Heartland Preferred Money Market account.
|
| |
| SAVINGS |
APY*
|
Interest
Rate
|
| Heartland Savings |
0.25% |
0.25%
|
|
Heartland Junior |
0.25% |
0.25% |
Heartland Health Savings |
|
|
$10,000+ |
0.50% |
0.50% |
$2,500-$9,999 |
0.35% |
0.35% |
$500-$2,499 |
0.20% |
0.20% |
$0-$499 |
0.10% |
0.10% |
| Premier Savings |
0.25% |
0.25% |
| *
Annual Percentage Yield (APY) is accurate as of
Rates may change after the account is opened. Fees could reduce earnings on the account. All savings accounts require minimum opening balance of $100 except Heartland Junior Savings which requires minimum opening balance of only $10.
|
|
|
|
|
|
|
CERTIFICATES
OF DEPOSIT |
APY* |
Interest
Rate |
| 1 Month |
0.65% |
0.65% |
| 3
Month |
1.00% |
1.00% |
| 6
Month |
1.35% |
1.34% |
| 9
Month |
1.50% |
1.49% |
| 11
Month Elite (Denver)* |
1.75% |
1.74% |
| 11 Month Elite (St. Louis)* |
1.75% |
1.74% |
| 12 Month |
1.85% |
1.84% |
| 13 Month (Denver) |
2.00% |
1.99% |
| 13
Month (St. Louis) |
2.00% |
1.99% |
| 18
Month |
2.00% |
1.99% |
| 22 Month Elite (Denver)* |
2.00% |
1.99% |
| 22 Month Elite (St. Louis)* |
2.00% |
1.99% |
| 24 Month |
2.10% |
2.08% |
| 25 Month (Denver) |
2.25% |
2.23% |
| 25 Month (St. Louis) |
2.25% |
2.23% |
| 30
Month |
2.25% |
2.23% |
| 33 Month Elite (Denver)* |
2.25% |
2.23% |
| 33 Month Elite (St. Louis)* |
2.25% |
2.23% |
| 36
Month |
2.35% |
2.33% |
| 37 Month (Denver) |
2.50% |
2.48% |
| 37 Month (St. Louis) |
2.50% |
2.48% |
| 48
Month |
2.60% |
2.58% |
| 60
Month |
2.85% |
2.82% |
| *
Annual Percentage Yield (APY) is accurate as of
Rates may vary by state. After your Certificate of Deposit is opened, the interest rate is fixed for the term. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Minimum to open all CDs is $1,000 except a minimum of $5,000 is required to open any Elite CD.
|
Commercial
Accounts
|
|
|
| CHECKING |
APY*
|
|
| Corporate
Checking |
|
|
Earnings
Credit Rate |
0.57% |
|
Investment Sweep
Not FDIC Insured; May Lose Value; No Bank Guarantee; No Calculated Rate |
APY* |
|
$1,000,001+
|
0.49% |
|
$500,001-$1,000,000 |
0.46% |
|
$250,001-$500,000 |
0.42% |
|
$50,001-$250,000 |
0.39% |
|
| |
APY* |
Interest
Rate |
| Business
Interest Checking |
0.25% |
0.25% |
| |
|
|
| * Annual Percentage Yield (APY) |
| MONEY
MARKET |
APY* |
Interest
Rate |
| Commercial
Money Market |
|
|
$100,000+
|
0.75% |
0.75% |
$50,000-$99,999
|
0.40% |
0.40% |
$25,000-$49,999
|
0.20% |
0.20% |
$10,000-$24,999
|
0.10% |
0.10% |
$1,000-$9,999
|
0.07% |
0.07% |
|
|
|
|
* Annual Percentage Yield (APY)
For questions or for more information, please
contact
a Heartland Bank representative.
Rates Subject to Change Without Notice. Excludes brokered deposits, institutional funds, escrow and reserve accounts.
FDIC Insured.
|
