Rates Current as of Tuesday September 07, 2010

Heartland Bank and Trust Locations

Posted in December 27th, 2009

Heartland Bank and Trust is part of Heartland Bancorp, Inc. which is a privately held company headquartered in Bloomington, IL. Heartland Bank and Trust is a locally owned community bank. American Heartland Bank and Trust offers personal and commercial banking services.
Heartland Bank and Trust branch locations in Illinois and Missouri. Bank directory lists Heartland Bank [...]

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CD Rate Updates

CD Interest Rates Continue to Fall July 19, 2010

National certificate of deposit rates once again moved lower for the week ending July 16, 2010. According to the most recent survey of bank CD rates performed by Selectcdrates.com, CD interest rates were lower for three of the five CD maturities measured and remained unchanged for the remaining two terms.
The average of the top [...]

Bank CD Interest Rates June 21, 2010

Certificate of deposit interest rates were just fractionally lower for the week ending June 18, 2010 based on the survey of bank CD rates performed by Selectcdrates.com. National CD rates for the three month, six month and two year maturities ended the week unchanged from the prior week. The one year and five [...]

Bank Certificate of Deposit Rates June 14, 2010

Certificate of deposit interest rates ended the week on June 11th with mixed results across the various maturities. The average yield for the five year CD rates ended with a gain on the week while the six month and one year term CDs remained unchanged. Unfortunately, the average rate on the top ten [...]

Banking & CD FAQs

What is overdraft protection?

Overdraft protection is an agreement with the bank or financial institution to cover overdrafts on a checking account. This service will typically involve a fee and be limited to a preset maximum amount.

Why do they tell me I can’t cash a check that is more than 6 months old?

Accepting checks is part of contract law and usually governed by the Uniform Commercial Code. Individual states set the standards for the acceptable term on a check. It is a general standard that a check over 6 months old.

How Does the Health of the Economy Affect Interest Rates?

The health of the economy affects interest rates by influencing the supply of, and the demand for, credit. For example: People’s incomes fall in a recession, so the amount they save also decreases. The demand for credit by business generally declines in a recession, as business spends less on new buildings, equipment, and

What is a callable CD?

Some longer term high yielding CDs have “call” features, meaning that the issuing bank may choose to terminate or call the CD after a fixed period of time. Only the issuing bank may call a CD and not the investor. For example, a bank might decide to call its high-yield CDs if

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