|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Heritage Bank Minnesota Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 14, 2026
Heritage Bank Minnesota's 3-Months 3-Month Fixed CD rates are at 4.16%, 6-Months 6-Month Fixed CD rates are at 4.16%, 12-Months 12-Month Fixed CD rates are at 3.96%, 18-Months 18-Month Fixed CD rates are at 3.85%, 24-Months 24-Month Fixed CD rates are at 3.80%. MonitorBankRates evaluates the financial stability of Heritage Bank Minnesota with a 4.4 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 8.07%. Rates last updated and verified on 09/14/2026. 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 CD Rates
Financial Health HistoryHeritage Bank Minnesota’s Texas Ratio rose from 6.39% in Q3 2023 to 8.07% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 3.6 to 4.4 and its Health Grade from B- to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Heritage Bank Minnesota is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Heritage Bank Minnesota rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Heritage Bank Minnesota's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Heritage Bank Minnesota
Bank Holding Company
WEST CONCORD BANCSHARES INC
Address
181 Main St,
West Concord, MN 55985 · Dodge
Website
https://www.heritagebankmn.com
FDIC Certificate #
8865
Established
19300602
FDIC Insurance Date
19340101
Domestic Offices
3
Total Branches
3
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA-
Overall Health Grade
Score: 90/100
4.4
Excellent
Out of 5.0 Stars
8.07%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.8478%
Return on Equity (ROE)
13.6600%
Non-Performing Loans (NPL)
0.52%
Total Assets
$120,859,000
Total Deposits
$109,779,000
Equity Capital
$7,779,000
Net Income
$511,000
Headquarters
West Concord
Total Branches and Offices
3
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
There are no reviews for Heritage Bank Minnesota yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Heritage Bank Minnesota
Frequently Asked Questions About Heritage Bank MinnesotaHow many branches does Heritage Bank Minnesota operate?Heritage Bank Minnesota currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Heritage Bank Minnesota does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Heritage Bank Minnesota provides members with tools to manage their accounts and build a solid financial history. Does Heritage Bank Minnesota offer online and mobile banking?Most modern institutions like Heritage Bank Minnesota provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.heritagebankmn.com. Current Heritage Bank Minnesota Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
F&M State Bank of Pierz
Cedar Security Bank
tcb The Cooperative Bank
Richland State Bank
Security Bank of Crawford
Southwest Capital Bank
Dallas Capital Bank
City First Bank. N.A.
Martinsville FSB
Bank of Commerce Chanute, KS
Citizens Bank & Trust Co. MS
Portage County Bank
Edmonton State Bank
FNB of Ely
Arundel Federal Savings Bank
Bank360
Citizens State Bank of New Castle, Indiana
The Citizens Bank Greensboro, AL
Miami Savings Bank
Sanger Bank
Superior National Bank
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
