Heritage Bank Minnesota CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

Today's 12-month CD rates can be found at 1.81%, 6-month CD rates at 4.07% and 3-month CD rates at 0.30%. Current savings rates are at 3.50% and money market rates are at 1.00%. Mortgage rates today on 30-year fixed loans are around 6.43%. Credit Card rates are at 13.24%. Personal Loan rates are at 9.99%. All these rates, and more, can be found in our database of rates. Heritage Bank Minnesota's 12-Month CD rates are at 4.11%, 18-Month CD rates are at 3.85%, 24-Month CD rates are at 3.80%, 36-Month CD rates are at 3.29%, 48-Month CD rates are at 3.03%. Heritage Bank Minnesota's savings rates are at 0.10%. Heritage Bank Minnesota's money market rates are at 0.10%.

Heritage Bank Minnesota

To see how these rates compare to Heritage Bank Minnesota CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Heritage Bank Minnesota, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Heritage Bank Minnesota CD rates. You can also compare Heritage Bank Minnesota savings rates, MMA rates and mortgage rates using our other rate lists.

Heritage Bank Minnesota money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Heritage Bank Minnesota? Share your experience about Heritage Bank Minnesota by leaving a review below, or read customer reviews before you decide to use Heritage Bank Minnesota.

Heritage Bank Minnesota Texas Ratio

Heritage Bank Minnesota's Texas Ratio is at 7.10%, which is considered excellent. The Texas Ratio for Heritage Bank Minnesota is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Heritage Bank Minnesota is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate

APY/APR

vs Avg

12-Month CD

4.11%

2.52%

18-Month CD

3.85%

2.28%

24-Month CD

3.80%

2.27%

36-Month CD

3.29%

2.19%

48-Month CD

3.03%

2.15%

60-Month CD

2.78%

2.26%

Savings

0.10%

0.62%

MMA

0.10%

0.80%

30-Year Fixed

N/A

6.84%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

Heritage Bank Minnesota

181 Main St
West Concord, MN 55985

https://www.heritagebankmn.com

MonitorBankRates' Rating

5/5

★★★★★

Review Heritage Bank Minnesota

Heritage Bank Minnesota CD Rates and Interest Rates

Heritage Bank Minnesota

12-Month CD

4.11%

$250

Heritage Bank Minnesota

18-Month CD

3.85%

$250

Heritage Bank Minnesota

24-Month CD

3.80%

$250

Heritage Bank Minnesota

36-Month CD

3.29%

$250

Heritage Bank Minnesota

48-Month CD

3.03%

$250

Heritage Bank Minnesota

60-Month CD

2.78%

$250

Heritage Bank Minnesota

Passbook Savings

0.10%

$100

Heritage Bank Minnesota

Money Market

0.10%

Heritage Bank Minnesota

Interest Checking

0.05%

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Heritage Bank Minnesota Rates with Other Competitive Bank and Credit Union Rates

Petefish, Skiles & Co. Bank

Rewards Checking

5.12%

$50

Regent Bank (OK)

12-Month CD

4.15%

$1,000

Columbia Bank

12-Month CD

4.00%

$500

Pathfinder Bank

Kasasa Checking

4.00%

Abbey Credit Union

48-Month CD

3.90%

$500

CorTrust Bank

24-Month CD

3.75%

$500

Randolph Brooks FCU

24-Month CD

3.75%

$1,000

Dearborn Federal Savings Bank

12-Month CD (Jumbo)

3.70%

$100,000

Peru Federal Savings Bank

36-Month CD

3.65%

$1,000

Ridgewood Savings Bank

24-Month CD

3.50%

$100

F&M Bank & Trust

24-Month CD

3.19%

$2,500

Clarion County Community Bank

18-Month CD

3.10%

$500

Mauch Chunk Trust Company

12-Month CD

3.04%

$500

Farmers State Bank Waterloo, IA

Rewards Checking

3.04%

Farmers State Bank Lake View, IA

24-Month CD

3.03%

$1,000

Collins State Bank

48-Month CD

3.00%

$1,000

American State Bank (TX)

12-Month CD

3.00%

$1,000

The Valley State Bank

60-Month CD

2.27%

$500

Security Bank Tulsa, OK

Savings

2.02%

$100

Montgomery Bank

eBlue Savings

2.01%

Milton Savings Bank

24-Month CD

2.00%

$500

Charter Bank IA

6-Month CD

2.00%

$1,000

First National Bank of Bemidji

First Insured Money Market

1.51%

$1,000

State Bank of Canton

30-Month CD

1.45%

$500

FNB of Waverly

48-Month CD

1.26%

$1,000

Fremont Bank

12-Month CD

1.25%

$2,500

Southwest National Bank

12-Month CD

1.25%

$500

Parkway Bank and Trust Company

60-Month CD

1.20%

$1,000

First Bank Waverly, IA

12-Month CD

1.00%

$1,000

Home Loan State Bank

24-Month CD

1.00%

$1,000

Roxboro Savings Bank

48-Month CD

0.80%

$500

The Victory Bank

36-Month CD

0.65%

$500

Landmark Credit Union

3-Month CD

0.50%

$500

Bank of Rantoul

Christmas Savings

0.50%

The Blue Grass Valley Bank

Money Market

0.40%

$2,500

Hyperion Bank

Statement Savings

0.35%

$50

North Shore Bank

60-Month CD

0.35%

$1,000

SSB Community Bank

36-Month CD

0.30%

$1,000

PCSB Bank

36-Month CD

0.30%

$500

Evergreen Bank Group

Cornerstone Money Market

0.30%

$2,500

FNB of Nevada, Missouri

Money Market

0.25%

$2,500

Milford Bank

36-Month CD

0.25%

$1,000

Community Bank of Elmhurst

48-Month CD

0.20%

$500

Circuit Federal Credit Union

Platinum Money Market

0.15%

$50,000

Eureka Savings Bank

Essential Savings

0.10%

$50

Bank of Pontiac

Money Market

0.10%

$2,500

First Commonwealth Bank

12-Month CD

0.05%

$500

First Citizens Bank

18-Month CD

0.02%

$500

Port Washington State Bank

Savings

0.01%

HSBC Bank USA

Premier Checking

0.01%

Disclaimer

Mortgage Rates July 19, 2025

1st Northern California Credit Union

7-Year Fixed

3.990%

4.357%

0.750

1st Northern California Credit Union

10-Year Fixed

4.250%

4.514%

0.750

1st Northern California Credit Union

15-Year Fixed

4.500%

4.685%

0.750

Americas First Federal Credit Union

15-Year Fixed

5.560%

5.250%

0.000

Lakewood Credit Union

15 Year Fixed

5.300%

5.390%

0.000

Pioneer Federal Credit Union

15-Year Fixed

5.250%

5.491%

0.000

State Employees Credit Union

10-Year Fixed

5.300%

5.494%

0.000

North Carolina Press Association Federal Credit Union

10 Year Fixed

5.300%

5.494%

0.000

Savings Bank of Danbury

5/1 ARM

4.750%

5.507%

0.000

1st Northern California Credit Union

15-Year Fixed (Jumbo)

5.375%

5.525%

0.750

Savings Bank of Danbury

7/1 ARM

5.000%

5.531%

0.000

DCU Digital Federal Credit Union

10-Year Fixed

5.250%

5.545%

1.000

First FSB of Champaign Urbana

10-Year Fixed

5.500%

5.569%

0.000

Mutual Security Credit Union

5/1 ARM

5.500%

5.614%

0.000

Hatboro Federal Savings

15-Year Fixed

5.250%

5.629%

2.000

State Employees Credit Union

15-Year Fixed

5.500%

5.637%

0.000

North Carolina Press Association Federal Credit Union

15 Year Fixed

5.500%

5.637%

0.000

North Carolina Press Association Federal Credit Union

5 Year ARM

5.500%

5.658%

0.000

Chartway Credit Union

5/1 ARM

5.625%

5.693%

0.000

DCU Digital Federal Credit Union

15-Year Fixed

5.500%

5.728%

1.125

PNB of Kewanee

30-Year Fixed

5.560%

5.730%

0.000

Piedmont Advantage Credit Union

15-Year Fixed

5.500%

5.759%

0.000

Abound Federal Credit Union

15-Year Fixed Jumbo

5.750%

5.776%

0.000

PNB of Kewanee

15-Year Fixed

5.500%

5.785%

0.000

Hatboro Federal Savings

10-Year Fixed

5.250%

5.791%

2.000

Disclaimer

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Heritage Bank Minnesota Information

Heritage Bank Minnesota

181 Main St
West Concord, MN 55985
Dodge
Established Date: 06/02/1930
FDIC Certificate #: 8865
Date of FDIC Deposit Insurance: 01/01/1934

Bank Holding Company: WEST CONCORD BANCSHARES INC

How Many Domestic U.S. Offices? 3

How Many Branches are There? 3

Website: https://www.heritagebankmn.com

Is Heritage Bank Minnesota FDIC Insured? Yes

What is Heritage Bank Minnesota's Cert number? 8865

What is the maximum amount for insured deposits? $250,000 per holder, per account

Heritage Bank Minnesota Financials

Total Assets:

$101,927,000

Total Deposits:

$83,838,000

Equity Capital:

$6,149,000

Domestic Deposits:

$83,838,000

Net Income:

$180,000

Return on Assets:

0.4917%

Quarterly Return on Assets:

0.7100%

Pretax Return on Assets:

0.7474%

Pretax Quarterly Return on Assets:

0.7500%

Return on Equity:

8.2200%

Quarterly Return on Equity:

11.7300%

Common Equity Tier 1 Capital Ratio:

12.5428%

Tier 1 Risk-Based Capital Ratio:

12.5428%

Leverage Tier 1 (Core Capital) Ratio:

8.1295%

Total Risk-Based Capital Ratio (YTD):

13.5330%

Total Interest Income (YTD):

4.9585%

Headquarters:

West Concord

FDIC Field Office:

Minneapolis

Regulator:

FDIC

County:

Dodge

# of Offices:

Metropolitan Statistical Area (MSA):

Rochester, MN

Consolidated Metropolitan Statistical Area (CMSA):

OTS Region:

West

FDIC Region:

Kansas City

Source: FDIC Last Updated 03/31/2024

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