The Water
is Calling

*APY is annual percentage yield. Rates quoted are in effect 7/1/2026 and are subject to change. Any early withdrawal penalty may reduce earnings on certificates.

Compounding Frequency. For all term share certificates offered, the dividends will be compounded and credited to your account every quarter and at maturity. Alternatively, you may choose to have dividends paid to you or to another account quarterly and at maturity rather than credited to this account.

Daily Balance Computation Method. Dividends are calculated by the daily balance method, which applies a daily periodic rate to your balance each day.

Withdrawal of Dividends Prior to Maturity. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal may reduce earnings.

You will have a grace period of ten calendar days after maturity to withdrawal the funds without being charged an early withdrawal penalty.

+13 Month CD Special: Rate effective 7/1/2026. At maturity, the balance of the certificate will automatically roll into a 12 month term certificate at the current rate at that time. Offer subject to change.

*APY is annual percentage yield. Rates quoted are in effect 1/1/2026 and are subject to change. Any early withdrawal penalty may reduce earnings on certificates.

Compounding Frequency. For all term share certificates offered, the dividends will be compounded and credited to your account every quarter and at maturity. Alternatively, you may choose to have dividends paid to you or to another account quarterly and at maturity rather than credited to this account.

Daily Balance Computation Method. Dividends are calculated by the daily balance method, which applies a daily periodic rate to your balance each day.

Withdrawal of Dividends Prior to Maturity. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal may reduce earnings.

Marketwatcher option allows you to increase your rate during the term one time to the current Heartland rate by notifying us and adding $1,000 to your certificate. Your maturity date will remain the same and you will earn the higher rate for the remaining certificate term.

You will have a grace period of ten calendar days after maturity to withdrawal the fund without being charged an early withdrawal penalty.

+7 Month CD Special: Rate effective 1/01/2026. At maturity, the balance of the certificate will automatically roll into a six month term certificate at the current rate at that time. Offer subject to change. Marketwatcher feature not available.

*APY is annual percentage yield. Rates quoted are in effect 7/1/2026 and are subject to change. If interest is paid to another account, APY may vary.

Dividends are compounded and paid monthly.
Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.

*APY is annual percentage yield. Rates quoted are in effect 1/1/2026 and are subject to change. If interest is paid to another account, APY may vary.
Dividends are compounded and paid monthly.
Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.

*APY is annual percentage yield. Rates quoted are in effect 7/1/2026 and are subject to change. If interest is paid to another account, APY may vary. Dividends are compounded and paid monthly.
Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.

* $30 min. to open

+ Checking Accounts: Dividends are compounded and paid monthly. Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.

**APY is annual percentage yield. Rates quoted are in effect 7/1/2026 and are subject to change. If interest is paid to another account, APY may vary.

* To receive dividends the following requirements must be met per month: (1) one payroll direct deposit of $250 or more, (2) enrolled in eStatements with a valid email address and (3) 12 Novation debit OR credit card purchase transactions that must average at least $5, excluding cash advances, ATM transactions, returned purchases, disputed or unauthorized/fraudulent transactions, or fees caused by check card use. Debit and credit card transactions CANNOT be combined to meet the 12 transactions minimum. Accounts that meet the requirements will earn tiered dividends—a higher rate on balances up to $20,000 and a lower rate on balances exceeding $20,000. No dividends earned if requirements are not met. Incentive Checking rates and program subject to change.

**APY is annual percentage yield. Rates quoted are in effect 7/1/2026 and are subject to change. If interest is paid to another account, APY may vary.

*$30 min. to open'

+ Checking Accounts: Dividends are compounded and paid monthly. Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.

**APY is annual percentage yield. Rates quoted are in effect 6/1/2026 and are subject to change. If interest is paid to another account, APY may vary.

*APR is annual percentage rate. These rates are in effect as of 7/1/2026 and are subject to change. Rates may vary based upon credit history. Other terms are available. Please contact the Novation loan department for details regarding how your rate is determined.

*APR is annual percentage rate. These rates are in effect as of 6/1/2026 and are subject to change.

+*Home Improvement Loan (Unsecured) – Rate effective 6/1/2026 and subject to change without notice. Payment on a 5 year term at 11.49% APR is $21.99 per $1,000 borrowed. Not all applicants will qualify for a Home Improvement (Unsecured) Loan. Rate varies based on credit history. Improvements must be made on Primary Home and copies of bid and/or receipts are required. Consult a tax advisor for information regarding the deductibility of interest and charges. Loan amounts up to $7,500. Term up to 10 years.

+*Home Improvement Loan (Secured) – Rate effective 6/1/2026 and subject to change without notice. Payment on a 15 year term at 11.29% APR is $115.49 per $10,000 borrowed. Not all applicants will qualify for a Home Improvement (Secured) Loan. Rate varies based on credit history. Improvements must be made on Primary Home (mobile homes do not qualify) and copies of bid and/or receipts are required. Consult a tax advisor for information regarding the deductibility of interest and charges. Loan amounts up to $100,000. Term up to 15 years. Minnesota and Wisconsin properties only. Closing costs do apply. LTV up to 133%.

*APR is annual percentage rate. These rates are in effect as of 7/1/2026 and are subject to change.

***Rates may vary based upon credit history. Please contact the Heartland loan department for details regarding how your rate and term is determined. Example of a 5-year-fixed rate monthly payment at 11.49% APR would be 60 monthly payments of $21.99 per $1,000 borrowed.

Financing available on owner occupied residences in Minnesota and Wisconsin only.

*APR is annual percentage rate. These rates are in effect as of 6/1/2026 and are subject to change. Rates may vary based on credit history.

+++Home Free 10 year: Loans paid off within the first year are required to repay closing costs. Fees may apply to ensure Heartland’s title position. Mortgage must be in the first position in the chain of title. Property insurance required. Consult a tax advisor for information regarding the deductibility of interest and charges. Heartland does not escrow for taxes and insurance. Loan amounts from $50,000 – $400,000

+**Home Free 15 year: Fees may apply to ensure Heartland’s title position. Mortgage must be in the first position in the chain of title. Property insurance required. Consult a tax advisor for information regarding the deductibility of interest and charges. Heartland does not escrow for taxes and insurance. Loan amounts from $50,000 – $400,000. Closing costs: $499 for loans $50,000-$100,000. $999 for loans $100,001 – $400,000. Max loan amount $400,000.

+++++ Transaction Fees: Foreign Transaction – 1% of U.S. dollar transaction amount. Rate are non variable. Annual Percentage Rate (APR) for purchases, balance transfers and cash advances: Visa Platinum-10.90%-14.90% APR. Visa Platinum Rewards-11.90%-15.90% APR. Visa Signature -13.90%-17.90% APR. These APRs are based on your credit worthiness.

*APR is annual percentage rate. These rates are in effect as of 7/1/2026 and are subject to change.

***Rates may vary based upon credit history. Other terms are available. Please contact us for details regarding how your rate and term is determined. Closing cost range for the Home Equity Closed End is $100 – $750.

*APR is annual percentage rate. These rates are in effect as of 6/1/2026 and are subject to change.

***Rates may vary based upon credit history. Other terms are available. Please contact us for details regarding how your rate and term is determined. Closing cost range for the Home Equity Closed End is $100 – $750.

*APR is annual percentage rate. These rates are in effect as of 7/1/2026 and are subject to change. Rates may vary based on credit history.

**Home Equity Line of Credit rate is variable and subject to change quarterly. The maximum APR for a Home Equity Line of Credit is 18% APR. Closing cost range for the Home Equity Line of Credit is $100 – $750.

*APR is annual percentage rate. These rates are in effect as of 7/1/2026 and are subject to change..

***Rates may vary based upon credit history. Other terms are available. Please contact the Heartland loan department for details regarding how your rate and term is determined.

++++ Auto Loan: Example of a 60 month fixed rate monthly payment at 5.49% APR would be 60 monthly payments of $19.14 per $1,000 borrowed.