No link on this page pays us. When one does, it says so, and it never changes a ranking. How we make money

Heartland Bank and Trust CompanyMoney market accountChecked Oct 10, 2026Updated

Heartland Bank and Capital Money Market Account

2.27%APY on $10,000 · as of Oct 10, 2026
A year on $10,000
$227 after fees
Monthly fee
$15 a month
To open
$10,000 to open
On our list
#21 of 152 money market accounts, by a year’s value on $10,000
Visit Heartland Bank and Trust CompanyThe bank’s own page · checked Oct 10, 2026

What it earns in a year

Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.

BalanceAPYA year, after fees
$1,0002.27%−$157
$5,0002.27%−$66
$10,0002.27%$227
$25,0002.27%$568
$50,0002.27%$1,135
$100,0002.27%$2,270

Rate conditions

Interest compounds
compounded and credited monthlySource · checked Oct 10, 2026

Fees

Monthly fee
$15 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee
Accounts that fall below the $10,000 minimum will be charged a $15 fee to keep the account open.Source · checked Oct 10, 2026
Minimum to open
$10,000Source · checked Oct 10, 2026

Features

Interest bearing

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money