Heartland Bank: Personal Banking: CDs: Option Certificate of Deposit

Certificate of Deposits
	Certificate of Deposit
	Option Certificate of Deposit
	3/1 Option Certificate of Deposit
	Rate Guard CD

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Option Certificate of Deposit

A product, with options, that pays you a daily market rate of interest which is fixed for a specific term.

Account Features

	12-month Certificate of Deposit.		May choose the option to increase the rate once.
	Interest may be paid by official check, savings or checking deposit, or credited to the CD.		May choose the option to make an additional deposit once.
	Interest is earned daily and compounded monthly.		May choose the option of a withdrawal of up to 50% at any time with no penalty once during the first 12 month term.

Additional Specifications & Fees

Minimum Opening Deposit

Minimum balance required is $5,000.
Minimum balance to earn interest is $5,000.

Other Fees & Charges

Maximum original deposit amount is $100,000.

Options may only be exercised during the original 12-month term.

Penalty may be imposed for early withdrawal.