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Type
Rate
APR*
2.50%
2.658%
2.50%
2.695%
Type
Rate
APY*
0.50%
0.50%
0.40%
0.40%
Type
Rate
APY*
1.19%
1.20%
0.85%
0.85%
Type
Rate
APY*
0.75%
0.75%
0.50%
0.50%
View all rates / disclosures.

*(APY) Annual Percentage Yield

(APR) Annual Percentage Rate

View Mortgage Rates and Apply!
 
Certificates of Deposit (CDs)

Certificates of Deposit (CDs)

A Certificate of Deposit (CD) is a short to medium-term, FDIC-insured investment. Interest is determined by the minimum amount deposited into the CD and the term.

CDs are beneficial for those who have extra money sitting in a Checking or Savings Account that they may not need for a certain period of time. CD interest rates are typically greater than checking or savings rates, and are a great way to put money aside for a future vacation, extra holiday cash, or just to have your money in a safe place for a longer period of time.

At Heritage Bank, we offer CDs with various minimum opening balances and terms to meet your specific needs.

  • 31-day Certificate* - Interest is credited to the account at maturity.
  • 91-day to 60-month Certificates* - Interest is compounded and credited to the account monthly.
  • 30-month Opt-Up Certificates* - If rates go up during the term of this CD, you may request a one-time rate increase.

View Rates

* penalty for early withdrawal.

This is not a complete disclosure of account guidelines and fees. Please see a customer service representative for rates and complete details.


Contact us about a Certificate of Deposit

To open an account, contact a customer service representative at any branch or complete the form below and we will contact you.

Please Note: Do not send personal account information using this form.

 
* First Name:
* Last Name:
Address:
City/State/Zip:
* Phone #:
* Email:
* Product:
* Nearest branch:
Message:
* By checking this box, I understand that I am authorizing a representative of Heritage Bank of Central Illinois to contact me via the information provided.
Please type the code you see:
 

Education Center

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The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the Education Center.

Lost / Stolen Debit Card

If you've lost your card and it is not during our normal business hours, you can call the STAR® network at:

1-800-523-4175

and respond to the prompts.

Facebook

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The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to go to our Facebook page.

Education Center

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The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the Education Center.

Education Center – Online Banking Demo

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The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the Education Center.

Education Center

You are about to leave the Heritage Bank of Central Illinois web site. Please note that by clicking on the link below, you will enter a site NOT owned or operated by Heritage and therefore, our privacy policy does not apply. Please review that web site's privacy policy. The inclusion of this link is not an endorsement by Heritage of the site, its content, advertisers or sponsors.

The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the Education Center.

Deluxe Check Ordering

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The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the Deluxe check ordering page.

Deluxe Check Ordering

You are about to leave the Heritage Bank of Central Illinois web site. Please note that by clicking on the link below, you will enter a site NOT owned or operated by Heritage and therefore, our privacy policy does not apply. Please review that web site's privacy policy. The inclusion of this link is not an endorsement by Heritage of the site, its content, advertisers or sponsors.

The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the Deluxe check ordering page.

Personal Credit Card Login

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The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the First Bankcard login page.

Business Credit Card Login

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The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the First Bankcard login page.

DLA Creative

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The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to check out the DLA Creative site.