Heritage Bank N.A. Rates and Review March 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.
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Heritage Bank N.A.'s 9-Month Special Certificate of Deposit rates are at 3.00%, 12-Month Certificate of Deposit rates are at 3.00%, 9-Month special Triple Option CD rates are at 3.00%, 60-Month Certificate of Deposit rates are at 2.95%, 60-Month Triple Option CD rates are at 2.95%. Heritage Bank N.A.'s savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of Heritage Bank N.A. with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.65%. Rates were last updated on 03/04/2026.
Rate Updates and AvailabilityHeritage 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 RatioHeritage Bank N.A.'s Texas Ratio is at 6.65%, which is considered excellent. The Texas Ratio for Heritage Bank N.A. 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. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Heritage Bank N.A. has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Heritage Bank N.A. is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A
Excellent Health
Score: 97/100
Heritage Bank N.A. has earned an overall safety grade of A. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/04/2026 
Heritage Bank N.A. CD Rates
Heritage Bank N.A. Savings Rates
Heritage Bank N.A. Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Heritage Bank N.A. 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 N.A. 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 N.A.'s official website for the most current offers and terms.
Bank Profile & OverviewHeritage Bank N.A.
110 W South StSpicer, 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? 5 How Many Branches are There? 5 Website: https://www.heritagebankna.com
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
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A (97/100)
Texas Ratio:
6.65%
Return on Assets (ROA):
-1.1740%
Return on Equity (ROE):
-14.2000%
Non-Performing Loans (NPL):
0.59%
Total Assets:
$392,856,000
Total Deposits:
$336,674,000
Equity Capital:
$38,550,000
Net Income:
$806,000
Headquarters:
Spicer
Regulator:
OCC
# of Offices:
5
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Heritage Bank N.A.How do I open an account at Heritage Bank N.A.?You can typically open an account at Heritage Bank N.A. by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Heritage Bank N.A. provides a range of mortgage and home equity products. Is Heritage Bank N.A. a safe place to deposit money?Yes, Heritage Bank N.A. is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Heritage Bank N.A. offer online and mobile banking?Most modern institutions like Heritage Bank N.A. provide digital access including online balance checks and transfers. Compare to other Banks |
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