Personal Savings Special Offers Earn4.50% APY1Money Market AccountThe minimum deposit is $2,500.00. Open an account at a banking center near you.Find a Banker Earn4.50% APY28-Month Certificate of DepositThe minimum deposit is $1,000.00. Open an account at a banking center near you.Find a Banker You may also be interested in: Personal Loans New car, your next adventure, an R/V for family road trips - whatever your needs we have financing options for you. See More Personal Savings Accounts Start saving today for a better tomorrow with our full suite of savings options. See More Personal Account Fee Schedule1The promotion is available to both new and existing customers who open new Money Market accounts. Customers must transfer new funds from an external bank account.Money Market interest rate and Annual Percentage Yields (APY) are accurate as of 11/16/2024. Interest rate and APY tiers apply to the following balances: 4.41% interest rate and 4.50% APY on balances of $0.01 to $5,000.00 4.41% interest rate and 4.50% APY on balances of $5,000.01 to $25,000.00 4.41% interest rate and 4.50% APY on balances of $25,000.01 to $100,000.00. 4.41% interest rate and 4.50% APY on balances of $100,000.01 and aboveMinimum deposit to open account is $2,500.00. Minimum balance to obtain APY is $0.01. Fees may reduce earnings. $2,500.00 minimum daily balance to avoid the maintenance fee of $15.00. Credits to your account, including the monthly interest payment could move your balance into a different rate tier. Customers are responsible for monitoring their account balances. Rates and terms may change after the account is opened at the bank’s discretion. Money Market account is a Consumer Money Market account. Only Money Market accounts are eligible for this promotion. No other money market accounts are eligible for the promotion. The offer may be discontinued or changed at any time without notice. Geographic restrictions may apply. Account opening is subject to approval.28-month certificate of deposit (CD) at 4.50% APY up to $1,000,000.00. This offer is for new money transferred from an external bank account into First Bank & Trust, a division of HTLF Bank certificate of deposit account. After the maturity date, your account will renew into 6-month regular term certificate of deposit. The Annual Percentage Yield (APY) is accurate as of 11/16/2024. Early withdrawal penalties may apply. $1,000.00 minimum opening deposit. Minimum balance to obtain APY is $0.01. Interest is credited at maturity for CD and IRA accounts with a term less than 12 months. Geographic restrictions may apply. Account opening is subject to approval.