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Heritage Bank of Commerce

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Heritage Bank of Commerce Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Heritage Bank of Commerce provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Heritage Bank of Commerce rates to other rates in our database, including 12-month CD rates currently at 1.02%, 6-month CD rates at 0.40% and 3-month CD rates at 3.65%. Savings rates are at 0.55% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 5.76%. All these rates can be compared to Heritage Bank of Commerce rates. MonitorBankRates evaluates the financial stability of Heritage Bank of Commerce with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.81%. Rates were last updated on 04/23/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.81%

Excellent Lower than avg

Heritage Bank of Commerce

224 Airport Pkwy
San Jose, CA 95110

https://www.heritagebankofcommerce.bank

Current Rate Availability

We do not have Heritage Bank of Commerce rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Heritage Bank of Commerce 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 of Commerce 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 of Commerce's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Heritage Bank of Commerce

Bank Holding Company HERITAGE COMMERCE CORP

Address 224 Airport Pkwy, San Jose, CA 95110 · Santa Clara

Website https://www.heritagebankofcommerce.bank

FDIC Certificate # 33905

Established 06/08/1994

FDIC Insurance Date 06/08/1994

Domestic Offices 17

Total Branches 17

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.81%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3518%

Return on Equity (ROE) 10.8600%

Non-Performing Loans (NPL) 0.10%

Total Assets $5,761,171,000

Total Deposits $4,914,567,000

Equity Capital $733,625,000

Net Income $52,514,000

Headquarters San Jose

Total Offices 17

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Heritage Bank of Commerce

Is Heritage Bank of Commerce a safe place to deposit money?

Yes, Heritage Bank of Commerce is considered a safe financial institution. With a Texas Ratio of 0.80689302046365%, 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 of Commerce operate?

Heritage Bank of Commerce currently maintains approximately 17 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 of Commerce 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 of Commerce provides members with tools to manage their accounts and build a solid financial history.

Does Heritage Bank of Commerce offer online and mobile banking?

Most modern institutions like Heritage Bank of Commerce 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.heritagebankofcommerce.bank.