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Advertiser Disclosure
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 Heritage Bank N.A. Rates & Review April 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: April 24, 2026
Heritage Bank N.A.'s 6-Month TRIPLE OPTION CD rates are at 3.00%, 60-Month TRIPLE OPTION CD rates are at 1.20%, 48-Month TRIPLE OPTION CD rates are at 1.15%, 36-Month TRIPLE OPTION CD rates are at 1.10%, 24-Month TRIPLE OPTION CD rates are at 1.05%. 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 04/24/2026. 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. 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 & Overview
Institution Name
Heritage Bank N.A.
Bank Holding Company
HERITAGE BANCSHARES GROUP EMPLOYEE STK OWNERSHIP PLAN&TR
Address
110 W South St,
Spicer, MN 56288 · Kandiyohi
Website
https://www.heritagebankna.com
FDIC Certificate #
19254
Established
10/08/1964
FDIC Insurance Date
10/08/1964
Domestic Offices
5
Total Branches
5
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 97/100
5.0
Exceptional
Out of 5.0 Stars
6.65%
Texas Ratio
Nat'l avg: 5.85%
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
Total Offices
5
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Heritage Bank N.A.Is Heritage Bank N.A. a safe place to deposit money?Yes, Heritage Bank N.A. is considered a safe financial institution. With a Texas Ratio of 6.6517445687953%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Heritage Bank N.A. operate?Heritage Bank N.A. currently maintains approximately 5 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 N.A. 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 N.A. provides members with tools to manage their accounts and build a solid financial history. Does Heritage Bank N.A. offer online and mobile banking?Most modern institutions like Heritage Bank N.A. 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.heritagebankna.com. Current Heritage Bank N.A. Rates
Retrieved from our database of financial products. Rates subject to change.
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