Citywide Banks
Planting Roots for a Strong Future

Our team listens to your company’s goals and customizes retirement plan solutions that maximize returns for your employees—today and down the road.

Help From a Partner With the Right Tools for the Job

There are many ways to structure a retirement plan for an organization and its plan participants. As an employer, it’s important to find an attentive advisor that provides ongoing, valuable guidance, and there is not a better partner than HTLF Retirement Plan Services (RPS), a division of Citywide Banks’s parent company, HTLF. Our RPS team prioritizes your company’s goals and delivers the insights and attention to help you maintain an optimal plan.

There are many ways to structure a retirement plan for an organization and its plan participants. As an employer, it’s important to find an attentive advisor that provides ongoing, valuable guidance, and there is not a better partner than HTLF Retirement Plan Services (RPS), a division of Citywide Banks’ parent company, HTLF. Our RPS team prioritizes your company’s goals and delivers the insights and attention to help you maintain an optimal plan.


"[The client] checked his personal investment expense ratios against the menu we could provide. The ‘light clicked on’ when he saw how much money he was losing due to the high investment expenses and poor investment options."

—Relationship Manager, HTLF Retirement Plan Services


A company selling large construction and agricultural equipment was experiencing higher-than-average investment expenses with their former retirement plan provider. In fact, the company’s owner and the plan participants were unknowingly losing money because their investment portfolio comprised proprietary investments with high fees.

Our RPS team was able to show the company that through high-quality, low-cost mutual funds, the company’s plan participants would see increased retirement savings. The addition of index funds to their portfolio mix gave the plan participants a low-cost option that wasn’t available with the other provider.

"As we were meeting with the plan sponsor, he opened his personal account via his provider’s website," explained the Relationship Manager. "He checked his personal investment expense ratios against the menu we could provide. The ‘light clicked on’ when he saw how much money he was losing due to the high investment expenses and poor investment options."

With our disciplined process for selecting and monitoring investments, we helped the company create a more effective plan yielding the following results:

  • Decreased plan investment expenses by over $6,000.
  • Increased average net fund performance by nearly $58,000.
  • Saved plan participants an average of $140 in annual fees.

Trusted Partners. Stronger Future.

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Products offered through Heartland Retirement Plan Services are not FDIC insured, are not bank guaranteed and may lose value.


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