Deal Summary

60-month CD, 0.75% APY, minimum deposit $500, dividends paid upon maturity.

Heartland Bank’s Top CD Rates

Heartland Bank’s top CD rate is 0.75% APY. This rate is offered on the bank’s 60-month CD with a minimum deposit of $500. The dividends earned on this CD are paid upon maturity.

The 48-month CD is a great alternative. The account offers an 0.70% APY with a $500 minimum deposit. This account also pays you your dividends upon maturity. As a result, your money has the chance to earn as much interest as possible before you get paid out.

For short-term investors the credit union offers a 30-day CD. This CD offers an annual percentage yield of 0.02%. This CD is also obtainable with a $500 minimum deposit. Again, this account is also paid out upon maturity.

Heartland Bank offers fourteen CDs. Each of these CDs can be opened with a $500 minimum deposit except for the 12-month Option CD, which can only be opened up with a $5000 minimum deposit. You are always welcome to invest more, but you don’t have to. These CD terms vary from 30 days to 60-months. The APY starts at 0.02% and builds to 0.75%. Each of Heartland’s CD accounts is subject to early withdrawal penalties.


You do not need to be a member of Heartland Bank in order to open up a CD with them, however it is recommended.

Branches in Ohio

Columbus, Croton, Dublin, Gahanna, Grove City, Hilliard, Johnston, Newark, Pickerington, Reynoldsburg, Upper Arlington, Westerville, and Whitehall.

Branches in Kentucky

Mitchell, Fort Thomas and Florence.

Bank Overview

Heartland Bank was established in 1988 by Tiney M. McComb who initially purchased shares of Croton Bank and then renamed it to Heartland Bank. It began as a bank for local farmers cultivating their crops for a living.

The bank has since continued to grow and is considered one a premier community bank. Heartland Bank is also dedicated to helping their community in every way they can by donating to charity and establishing community outreach programs. Employees are encouraged to volunteer their time to local organizations that may need a helping hand.

Their employee initiatives include: Money Matters Free Financial Summit, United Way, 104.9 The River’s Mission Backpack, Proceeds from silent auction at annual Holiday Party donated to local charities, Community Food Bank donations from employee collection at annual Spring all-employee meeting, Johnstown Monroe’s Searfoss Elementary School 4th grade Financial Literacy, and Heartland Bank Charity Golf Classic.

The bank also sponsors the following events: Farm Science Review, Gahanna Creekside Blues & Jazz Festival, Grove City Arts in the Alley, Hartford Fair, Hilltop Bean Dinner, Downtown Newark Association Final Fridays, Pick-town Palooza, Reynoldsburg Tomato Festival, Summer Jam at Westgate Park, and the Westerville Music & Arts Festival.