Heartland Bank and Trust Company
Our records indicate that this bank has been acquired by Dream First Bank, National Association.
ACH Number: 71102173
Heartland Bank and Trust Company is an FDIC insured institution headquartered at
401 N Hershey Rd, Bloomington, IL 61704.
It was founded in
1971 and has approximately $5 billion in assets. Customers can open an account at one of its 65 branches.
It was founded in 1971 and has approximately $5 billion in assets. Customers can open an account at one of its 65 branches.
Deposit Rates - December 22, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.50% | $500,000 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.07% | $2,500 | Compare |
|
9 Mo CD
|
4.00% | $5,000 | Compare |
|
12 Mo CD
|
1.00% | $1,500 | Compare |
|
15 Mo CD
|
3.75% | $5,000 | Compare |
|
18 Mo CD
|
1.00% | $1,500 | Compare |
|
24 Mo CD
|
1.00% | $1,500 | Compare |
|
36 Mo CD
|
2.00% | $1,500 | Compare |
|
48 Mo CD
|
2.00% | $5,000 | Compare |
|
60 Mo CD
|
2.00% | $5,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
1.51% | $50,000 | Compare |
|
Money Market
|
2.27% | $500,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.10% | $25,000 |
Featured Home Equity Rates
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$25,000 - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Featured 30-Year Fixed Mortgage Rates
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$0 Fees - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 20369 |
| Date Established | 1971 |
| Assets | $ 5.02 billion |
| Loans | $ 3.31 billion |
| Deposits | $ 4.34 billion |
| Capital | $ 636.78 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 195.74 million |
| Interest-bearing balances | $ 170.18 million |
| Total securities | $ 1,257.80 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 3.31 billion |
| Loan loss allowance | $ 41.66 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.66 million |
| Goodwill and other intangibles | $ 94.04 million |
| All other assets | $ 58.02 million |
| Total Assets | $ 4.38 billion |
| LIABILITIES | |
| Total deposits | $ 4.34 billion |
| Interest-bearing deposits | $ 3.27 billion |
| Deposits held in domestic offices | $ 4.34 billion |
| % insured (estimated)" | 78.06% |
| Federal funds purchased and repurchase agreements | $ 0.56 million |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 19.42 millionn |
| Total Liabilities | $ 4.38 billion |
| Shareholders’ Equity | $ 636.78 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 126.97 million |
| Total Interest Expense | $ 25.94 million |
| Net interest income | $ 101.03 million |
| Provision for loan and lease losses | $ 1.10 million |
| Total non interest income | $ 18.42 million |
| Total non interest expense | $ 61.72 million |
| Pre-tax Net Operating Income | $ 41.86 million |
Customer Reviews for Heartland Bank and Trust Company
Branches
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Heartland Bank and Trust Company Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSBank-$50,000N.A.0.50%2.21x (National Avg. - 0.23%)$500,000-SCENARIO
Year Rate
0.50%Annual
InterestAnnual Interest
(After Tax)1 50,000 250 175 2 50,250 251 176 3 50,501 253 177 4 50,754 254 178 5 51,008 255 179 6 51,263 256 179 7 51,519 258 180 8 51,776 259 181 9 52,035 260 182 10 52,296 261 183 11 52,557 263 184 12 52,820 264 185 13 53,084 265 186 14 53,349 267 187 15 53,616 268 188 16 53,884 269 189 17 54,154 271 190 18 54,424 272 190 19 54,696 273 191 20 54,970 275 192 TOTAL $5,245 $3,671 - 2ONLINE SAVINGSBank-$50,000N.A.3.75%16.59x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
3.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,875 1,313 2 51,875 1,945 1,362 3 53,820 2,018 1,413 4 55,839 2,094 1,466 5 57,933 2,172 1,521 6 60,105 2,254 1,578 7 62,359 2,338 1,637 8 64,697 2,426 1,698 9 67,124 2,517 1,762 10 69,641 2,612 1,828 11 72,252 2,709 1,897 12 74,962 2,811 1,968 13 77,773 2,916 2,042 14 80,689 3,026 2,118 15 83,715 3,139 2,198 16 86,854 3,257 2,280 17 90,111 3,379 2,365 18 93,491 3,506 2,454 19 96,996 3,637 2,546 20 100,634 3,774 2,642 TOTAL $54,408 $38,085
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