Reflect and Give Thanks
As the end of 2025 draws to a close, it gives us time to reflect on an amazing year for our clients, our team, and our company. After tariffs shocked the markets in April, they rebounded with a force, with the S&P 500, NASDAQ, and Dow all seemingly hitting new highs every month. The team […]
Understanding Directed Trustees in your 401(k) Plan
Business owners often wear many hats: CEO, CFO, HR Director, and sometimes even the IT department. But there is one hat that carries significant personal risk and administrative burden they might be wearing unnecessarily: The 401(k) Plan Trustee. Many business owners choose to appoint a third party, such as Heartland Trust, to fulfill this role and mitigate these burdens. What is […]
How Interest Rates Are Set and Why They Matter
Earlier this month, the Federal Open Market Committee (FOMC) voted to cut interest rates by one quarter of a percent, lowering the target rate/range to 3.50-3.75%. This was their last meeting until 2026, and the third time a cut was implemented this year. As the policymaking arm of the Federal Reserve, the FOMC plays a […]
HTC Team Highlights
Office Fun Missy’s Grandson Hudson stopped by for a visit. HALLOTHANKSMAS Heartland Trust Staff celebrated Halloween, Thanksgiving and Christmas in a fun one-day event! Great memories, laughter and food were enjoyed! Anniversaries At Heartland Trust, our relationships go beyond colleagues; we consider ourselves a family. Supporting our team and contributing to their futures are integral […]
Cybersecurity Awareness Month
Empowering You to Stay Secure in a Digital World Welcome to our special edition newsletter in recognition of Cybersecurity Awareness Month! As your trusted financial services partner, we understand that protecting your personal and financial information is more important than ever. This October, we’re dedicating our content to helping you stay informed, vigilant, and empowered […]
How We Keep Customer Data Safe in a Rapidly Evolving IT Landscape
Protecting your personal information is at the heart of everything we do at Heartland Trust. In today’s digital-first financial world, we’re entrusted with vast amounts of sensitive customer data. Safeguarding this data isn’t just a regulatory requirement; it’s a cornerstone of customer trust and a fundamental part of our commitment to you. Our Multi-Layered Approach […]
AI-Powered Phishing Scams
Phishing attacks have long been a thorn in the side of individuals and businesses alike, preying on human trust and a moment’s inattention. But with the rapid advancements in Artificial Intelligence (AI), these schemes are becoming even more sophisticated, making it increasingly difficult to distinguish genuine communications from malicious ones. The Evolution of Phishing For […]
A Milestone Year at HTC
2025 was a year of significant milestones for us at HTC. Not only are we celebrating 35 years of dedicated service to our valued clients, but we are also making history by opening a second location for the first time. This August, after months of preparation, we proudly established a new office in Grand Forks, […]
Now Open in Grand Forks
We’re proud to open our Grand Forks office, led by Michelle Senger, Trust Officer. Michelle brings extensive experience in trust, wealth management, and community leadership, along with a strong commitment to Heartland Trust’s culture of care and integrity. Michelle Senger, CRSP CISP Trust Officer701-235-20021551 28th Ave S, Suite LGrand Forks, ND 58201
HTC Team Highlights
Summer Fun Jana Samek Family Trip to Mount Rushmore Kayla Kranda Family Trip to Medora Jill McAndrew Jill McAndrew and Aaron on their annual motorcycle trip. This year they went west and visited Grand Teton, Zion, Capitol Reef, and Canyonlands National Parks. Kevin Wangen Kevin Wangen and his wife went to New York City in […]
