Heartland Bank offers attractive interest rates with their current certificate of deposit. This money in bank deal has the following CD rates:

• 6 months                0.90% APY
• 12 months                1.15% APY
• 14 months                1.25% APY
• 18 months                1.30% APY
• 24 months                1.55% APY
• 36 months                1.80% APY
• 48 months                2.05% APY
• 60 months                2.30% APY

You are required to deposit a minimum of $1,000 to open an account. You also need to maintain this balance to earn this best interest rate for your certificate of deposit. If you want to make additional deposits on you CD account, you must deposit a minimum of $100 and a maximum of $50,000 per term. You are no longer allowed to make a deposit 10 days before the maturity date.

In case of early withdrawal, you will be charged with an early withdrawal fee on your account. The earnings of this best CD rates for 12 months term and above is compounded and paid on a quarterly basis. While for below 12 months term the earnings are paid on the maturity date. The current interest rates are subject to change anytime without prior notice.

It seems that you will have to visit the bank to open an account and enjoy this highest CD rates. You can also call their customer service line for inquiries with regard to their current CD rates thru 913-663-5656 or 816-268-5300.

The bank has branches located in Leawood in state of Kansas and Kansas City in the state of Missouri.

Heartland Bank started providing its services in 1904. They already have over $131 million in declared assets. The bank is also insured by the Federal Deposit Insurance Corporation with certificate number 1361.