Heartland Bank and Trust CompanySavings accountChecked Oct 10, 2026Updated
Heartland Bank and Simply Savings Account
0.50%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $0 after fees
- Monthly fee
- $3 a month
- To open
- $50 to open
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.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | – | $0 |
| $5,000 | – | $0 |
| $10,000 | – | $0 |
| $25,000 | 0.15% | $38 |
| $50,000 | 0.15% | $75 |
| $100,000 | 0.35% | $350 |
Rates by balance
| Balance | APY |
|---|---|
| $25,000 to $100,000 | 0.15% |
| $100,000 to $250,000 | 0.35% |
| $250,000 and up | 0.50% |
Source: the bank’s rates · as of Oct 10, 2026
Rate conditions
- Interest compounds
- compounded and credited quarterlySource · checked Oct 10, 2026
Fees
- Monthly fee
- $3 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- Any one of these:
- The account has to be kept at an average quarterly balance of $200.
- the low balance fees are waived for account-holders who are under 18
- Minimum to open
- $50Source · checked Oct 10, 2026
- Withdrawals a month
- 9Source · checked Oct 10, 2026
- Fee for each withdrawal over the limit
- $1.75Source · checked Oct 10, 2026
Who can open it
- Minimum age
- 18Source · 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