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*
|
2008-2005
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%
|
2004
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 Please call 866.512.8501 for current rates.
Interest
Only Payments |
|
|
Customer
|
Non-Customer
|
LTV |
Line
Amount |
Term |
Rate Calculation |
APR |
Index |
Rate Calculation |
APR |
Index |
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Principal
and Interest Only Payments |
| |
Customer |
Non-Customer
|
LTV |
Line
Amount |
Term |
Rate Calculation |
APR |
Index |
Rate Calculation |
APR |
Index |
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Home Improvement
- Closed End Second Please call 866.512.8501 for current rates.
Customer |
LTV
|
Term |
Rate |
APR |
|
|
|
|
| |
|
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| |
| If
you borrowed $10,000 your payment would be: |
| LTV
|
Term |
APR |
Payment |
| |
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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 |
0.25% |
0.25% |
| Premier Preferred |
0.25% |
0.25% |
| Heartland Choice 50 |
0.25% |
0.25% |
| Premier Choice 50 |
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.
Minimum opening balance is $1,000 Heartland
Preferred and $100 for Heartland Choice
50. |
| |
|
MONEY
MARKET |
APY* |
Interest
Rate |
Premier Business Money Market |
|
|
$50,000+ |
1.50% |
1.49% |
$20,000-$49,999 |
1.00% |
1.00% |
$10,000-$19,999 |
0.50% |
0.50% |
$1,000-$9,999 |
0.25% |
0.25% |
| Heartland
Money Market |
|
|
$50,000+ |
1.25% |
1.24% |
$25,000-$49,999 |
0.75% |
0.75% |
$10,000-$24,999 |
0.25% |
0.25% |
| $1,000-$9,999 |
0.10% |
0.10% |
| Heartland
Preferred Money Market |
|
|
$150,001+
|
2.25% |
2.23% |
$50,001-$150,000 |
2.25% |
2.23% |
$25,001-$50,000
|
1.00% |
1.00% |
$5,001-$25,000
|
0.25% |
0.25%
|
$0-$5,000
|
0.10% |
0.10% |
| Premier Money Market |
|
|
$25,000+ |
1.75% |
1.74% |
$10,000-$24,999
|
1.25% |
1.24% |
$5,000-$9,999
|
0.75% |
0.75% |
$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 opening balance $1,000.
A Heartland Preferred Checking account must
be established to open a Heartland Preferred
Money Market account. |
| |
| SAVINGS |
APY*
|
Interest
Rate
|
| Heartland Savings |
0.50% |
0.50%
|
|
Heartland Junior |
0.50% |
0.50% |
Heartland Health Savings |
|
|
$10,000+ |
1.50% |
1.49% |
$2,500-$9,999 |
0.75% |
0.75% |
$500-$2,499 |
0.25% |
0.25% |
$0-$499 |
0.10% |
0.10% |
| Premier Savings |
0.50% |
0.50% |
| * Annual Percentage Yield (APY) is accurate
as of
Rates may change after the account is opened.
Fees could reduce earnings on the account.
Minimum opening balance is $100 Heartland
Savings; $10 Heartland Junior; $50 Heartland
Health Savings.
|
|
CERTIFICATES
OF DEPOSIT |
APY* |
Interest
Rate |
| 3
Month |
1.50% |
1.49% |
| 6
Month |
1.70% |
1.69% |
| 9
Month |
1.90% |
1.89% |
| 11
Month (special rate) |
2.50% |
2.48% |
| 12 Month |
2.10% |
2.08% |
| 13
Month |
2.10% |
2.08% |
| 18
Month |
2.20% |
2.18% |
| 24 Month |
2.40% |
2.38% |
| 30
Month |
2.50% |
2.48% |
| 36
Month |
2.60% |
2.58% |
| 48
Month |
2.80% |
2.77% |
| 60
Month |
3.00% |
2.97% |
| 72
Month |
3.00% |
2.97% |
| 84
Month |
3.00% |
2.97% |
| 96
Month |
3.00% |
2.97% |
| 120
Month |
3.00% |
2.97% |
| *
Annual Percentage Yield (APY) is accurate
as of
Rates may change at any time without prior notice. Rates may vary by state. After your CD 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. |
Commercial
Accounts
|
|
|
| CHECKING |
APY*
|
|
| Corporate
Checking |
|
|
Earnings
Credit Rate |
1.07% |
|
Investment Sweep
Not FDIC Insured; May Lose Value No Calculated
Rate |
APY* |
|
$1,000,001+
|
0.89% |
|
$500,001-$1,000,000 |
0.83% |
|
$250,001-$500,000 |
0.76% |
|
$50,001-$250,000 |
0.70% |
|
| |
APY* |
Interest
Rate |
| Business
Interest Checking |
0.25% |
0.25% |
| |
|
|
| * Annual Percentage Yield (APY) |
| MONEY
MARKET |
APY* |
Interest
Rate |
| Commercial
Money Market |
|
|
$100,000+
|
1.00% |
1.00% |
$50,000-$99,999
|
0.60% |
0.60% |
$25,000-$49,999
|
0.30% |
0.30% |
$10,000-$24,999
|
0.15% |
0.15% |
$1,000-$9,999
|
0.10% |
0.10% |
|
|
|
|
* 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.
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