Heritage Bank N.A. CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 0.40%, 6-month CD rates at 0.20% and 3-month CD rates at 3.25%. Current savings rates are at 0.50% and money market rates are at 0.80%. Mortgage rates today on 30-year fixed loans are around 6.80%. Credit Card rates are at 10.90%. Personal Loan rates are at 10.00%. All these rates, and more, can be found in our database of rates. Heritage Bank N.A.'s 6-Month CD special rates are at 5.30%, 12-Month CD rates are at 4.79%, 60-Month CD rates are at 3.20%, 48-Month CD rates are at 3.15%, 36-Month CD rates are at 3.10%. Heritage Bank N.A.'s savings rates are at 0.05%.

Heritage Bank N.A.

To see how these rates compare to Heritage Bank N.A. CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Heritage Bank N.A., 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 N.A. CD rates. You can also compare Heritage Bank N.A. savings rates, MMA rates and mortgage rates using our other rate lists.

Heritage Bank N.A. 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 N.A.? Share your experience about Heritage Bank N.A. by leaving a review below, or read customer reviews before you decide to use Heritage Bank N.A..

Heritage Bank N.A. Texas Ratio

Heritage Bank N.A.'s Texas Ratio is at 3.67%, which is considered excellent. The Texas Ratio for Heritage Bank N.A. is lower than the national average of all banks, currently at 6.24%. 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 N.A. 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
4.79%
18-Month CD
N/A
24-Month CD
3.05%
36-Month CD
3.10%
48-Month CD
3.15%
60-Month CD
3.20%
Savings
0.05%
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Heritage Bank N.A.
110 W South St
Spicer, MN 56288
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Heritage Bank N.A. CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Heritage Bank N.A.
Heritage Bank N.A.
6-Month CD special
5.30%
$2,000
Heritage Bank N.A.
Heritage Bank N.A.
12-Month CD
4.79%
$75,000
Heritage Bank N.A.
Heritage Bank N.A.
Jumbo Savings Account
4.25%
$2,000,000
Heritage Bank N.A.
Heritage Bank N.A.
Payroll Plus Checking
4.04%
$100
Heritage Bank N.A.
Heritage Bank N.A.
60-Month CD
3.20%
$75,000
Heritage Bank N.A.
Heritage Bank N.A.
48-Month CD
3.15%
$75,000
Heritage Bank N.A.
Heritage Bank N.A.
36-Month CD
3.10%
$75,000
Heritage Bank N.A.
Heritage Bank N.A.
24-Month CD
3.05%
$75,000
Heritage Bank N.A.
Heritage Bank N.A.
Universal Savings Account
0.05%
$50
Show More

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 N.A. Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Centreville Bank
Centreville Bank
7-Month CD special (new money)
5.25%
$1,000
Education Credit Union
Education Credit Union
12-Month CD
4.75%
$500
Farmers State Bank of Calhan
Farmers State Bank of Calhan
6-Month CD
4.63%
$500
Headwaters State Bank
Headwaters State Bank
21-Month CD special
4.58%
$10,000
The Clay City Banking Co.
The Clay City Banking Co.
12-Month CD
4.42%
$1,000
GSL Savings Bank
GSL Savings Bank
12-Month CD
4.40%
$500
Fidelity Co-operative Bank
Fidelity Co-operative Bank
11-Month CD special
4.25%
$500
First Southern Bank Florence, AL
First Southern Bank Florence, AL
20-Month CD special
4.25%
$10,000
First Southwest Bank
First Southwest Bank
3-Month CD
4.25%
$1,000
Merrick Bank
Merrick Bank
48-Month CD
4.10%
$25,000
FSB of Burnet
FSB of Burnet
6-Month Jumbo CD
4.04%
$95,000
Farm Bureau Bank FSB
Farm Bureau Bank FSB
36-Month CD
3.90%
$1,000
Aroostook County FS&L Assoc.
Aroostook County FS&L Assoc.
6-Month CD
3.82%
$500
FNB of Bellville
FNB of Bellville
9-Month Jumbo CD
3.80%
$100,000
Lyons Federal Bank
Lyons Federal Bank
48-Month CD
3.34%
$50,000
Merchants State Bank
Merchants State Bank
6-Month CD
3.25%
$5,000
FCNB of St. Paris
18-Month CD
3.10%
$1,000
Tucumcari Federal S&L
12-Month CD Money Market
3.09%
$1,000
Farmers State Bank Lake View, IA
Farmers State Bank Lake View, IA
12-Month CD
3.03%
$1,000
First State Bank Stuart, IA
First State Bank Stuart, IA
48-Month CD
2.80%
$500
Bank Midwest
Bank Midwest
30-Month CD
2.78%
$500
First State Bank Stuart, IA
First State Bank Stuart, IA
60-Month CD
2.75%
$500
Harvest Bank
Harvest Bank
48-Month CD
2.70%
$1,000
FirstBank of Nebraska
FirstBank of Nebraska
48-Month CD
2.67%
$1,000
ACMG Federal Credit Union
ACMG Federal Credit Union
30-Month CD certificate
2.45%
$1,000
F&M Bank Miamisburg, OH
F&M Bank Miamisburg, OH
60-Month CD
2.30%
$1,000
Bath Savings Institution
Bath Savings Institution
12-Month CD
2.27%
$500
Bradford National Bank
Bradford National Bank
60-Month CD
2.26%
$1,000
The Peoples Community Bank
The Peoples Community Bank
College Saver CD
2.15%
$250
Bank of Hillsboro
Bank of Hillsboro
12-Month CD
2.02%
$1,000
The Bank of Romney
The Bank of Romney
24-Month CD
2.02%
$1,000
Oakwood Bank Pigeon Falls, WI
Oakwood Bank Pigeon Falls, WI
18-Month CD
1.86%
$100
Oakwood Bank Pigeon Falls, WI
Oakwood Bank Pigeon Falls, WI
Money Market
1.51%
$25,000
Home Loan Investment Bank
Home Loan Investment Bank
24-Month CD
1.50%
$1,000
Vystar Credit Union
Vystar Credit Union
Money Market
1.50%
$250,000
Lincoln FSB of Nebraska
Lincoln FSB of Nebraska
48-Month CD
1.20%
$100
Forte Bank
Forte Bank
18-Month CD
1.15%
$1,000
Nebraska State Bank and Trust Company
Nebraska State Bank and Trust Company
Christmas Club
1.00%
$0
American Eagle Financial Credit Union
American Eagle Financial Credit Union
60-Month CD certificate
0.75%
$500
Eagle Bank Everett, MA
Eagle Bank Everett, MA
48-Month CD
0.65%
$500
Wallkill Valley Federal S&L
Wallkill Valley Federal S&L
30-Month CD
0.61%
$2,500
Citizens State Bank Cadott, WI
Citizens State Bank Cadott, WI
48-Month CD
0.45%
$1,000
Pioneer Bank Albany, NY
Pioneer Bank Albany, NY
18-Month CD
0.35%
$500
Triad Bank, N.A.
Triad Bank, N.A.
3-Month CD
0.30%
$1,000
Independent Bank Mckinney, TX
Independent Bank Mckinney, TX
12-Month CD
0.25%
$500
North Shore Bank
North Shore Bank
48-Month CD
0.25%
$1,000
Adirondack Bank
Adirondack Bank
24-Month CD
0.25%
$1,000
FirsTier Bank
FirsTier Bank
Business Savings
0.05%
$0
Milford Federal Bank
Milford Federal Bank
Savings Account
0.05%
$10
Applied Bank
Applied Bank
36-Month CD
0.05%
$1,000
Show More

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.

Mortgage Rates April 22, 2024

Lender
Product
Rate
APR
Points
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
5.750%
5.946%
0.250
5.875%
5.958%
0.000
5.875%
5.958%
0.000
5-Year ARM (LTV 80% or less)
6.250%
5.963%
0.000
Show More

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 N.A. Information

Heritage Bank N.A.
110 W South St
Spicer, MN 56288
Kandiyohi
Established Date: 10/08/1964
FDIC Certificate #: 19254
Date of FDIC Deposit Insurance: 10/08/1964
Bank Holding Company: HERITAGE BANCSHARES GROUP EMPLOYEE STK OWNERSHIP PLAN&TR
How Many Domestic U.S. Offices? 7
How Many Branches are There? 7
Is Heritage Bank N.A. FDIC Insured? Yes
What is Heritage Bank N.A.'s Cert number? 19254
What is the maximum amount for insured deposits? $250,000 per holder, per account

Heritage Bank N.A. Financials

Total Assets:
$465,101,000
Total Deposits:
$390,362,000
Equity Capital:
$42,635,000
Domestic Deposits:
$390,362,000
Net Income:
$-415,000
Return on Assets:
1.1261%
Quarterly Return on Assets:
-0.3600%
Pretax Return on Assets:
-0.3494%
Pretax Quarterly Return on Assets:
-0.3500%
Return on Equity:
11.4000%
Quarterly Return on Equity:
-3.8200%
Common Equity Tier 1 Capital Ratio:
12.8388%
Tier 1 Risk-Based Capital Ratio:
12.8388%
Leverage Tier 1 (Core Capital) Ratio:
10.4386%
Total Risk-Based Capital Ratio (YTD):
14.0894%
Total Interest Income (YTD):
5.3142%
 
 
Headquarters:
Spicer
FDIC Field Office:
Mankato
Regulator:
OCC
County:
Kandiyohi
# of Offices:
7
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
West
FDIC Region:
Kansas City
Source: FDIC

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