Skip nav to main content.
Mobile App
Find it for free on the App Store.
Get The App
Mobile App
Find it for free on the App Store.
Get The App

Business CD

Maximize your business savings

Rest easy with a fixed rate on your business CD.

  • Overview

    Nail down a great rate

    Enjoy a fixed interest rate on your business CD, and you can get started with a minimum opening deposit of $100.

    Increase your certificate rate with the Marketwatcher Feature
    Increase your business CD rate one time during your term 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.

    Insured by NCUA to $250,000 and an additional $250,000 through the Excess Share Insurance Corp (ESI).

    Premium quarterly dividends

    You choose whether it’s paid to the account, directly to you or to another account.

    No monthly maintenance fees

    Focus on saving.

    Variety of terms

    Terms range from six months to five years.

  • FAQs
    • CD accounts offer terms, from six months to five years and your rate is fixed for the term of the certificate. The longer the term the higher the rate.

    • The Marketwatcher option allows you to increase your rate during the term one time to the current Heartland rate (not another financial’s 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.

    • No. Withdrawals are allowed, but they come with a penalty. Please contact us at (651) 451-5160 or (800) 813-9185 for current fees.

    • 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.

 The rates as well as the service we receive are top notch!

Shannon

Manage Your Account Online

Manage your business account online anytime, anywhere with Heartland Online Banking.

Business CD Disclosures

*Early withdrawal penalties do apply. Refer to your Certificate of Deposit disclosure for details.