What are the current interest rates at Heritage Bank?

Current rates for Heritage Bank include: 12-Month CD: 0.30%, 18-Month CD: 2.50%, 24-Month CD: 0.40%, 36-Month CD: 0.40%, 48-Month CD: 0.40%, 60-Month CD: 0.40%, Savings: 1.00%, MMA: 0.30%

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Heritage Bank Rates & Review November 2026

Q: What CD terms does Heritage Bank offer?

Heritage Bank CD rates are 3.50% APY for a 5 month CD, 3.70% APY for a 9 month CD, 0.30% APY for a 12 month CD, 4.00% APY for a 13 month CD, 2.50% APY for a 17 month CD, 2.50% APY for an 18 month CD, 0.40% APY for a 2 year CD, 0.40% APY for a 3 year CD, 0.40% APY for a 4 year CD and 0.40% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Heritage Bank for its full lineup.

Q: How many branches does Heritage Bank operate?

Heritage Bank currently maintains approximately 68 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Heritage Bank 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Heritage Bank's Celebration CD 13-Month rates are at 4.00%, Anniversary CD 9-Month rates are at 3.70%, 3-5-Months 3-5-Month Flex-Term CD rates are at 3.50%, 12-17-Months 12 - 17-Month Fixed Rate CD rates are at 2.50%, 18-Month Fixed Rate CD rates are at 2.50%. Heritage Bank's savings rates are at 1.00%. Heritage Bank's money market rates are at 0.30%. Heritage Bank's checking rates are as high as 0.65%. Heritage Bank's top CD rate of 4.00% APY on a 13 month CD is 33% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Heritage Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.04%. Rates last updated and verified on 11/05/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.04%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Heritage Bank

201 5th Ave Sw
Olympia, WA 98501

https://local.heritagebanknw.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Heritage Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
Celebration CD 13-month	3.92%	4.00%	13 months	$2,500
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Celebration CD 13-month	3.92%	4.00%	13 months	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Anniversary CD 9-month	3.63%	3.70%	9 months	$2,500
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Anniversary CD 9-month	3.63%	3.70%	9 months	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Anniversary CD 9-month	3.54%	3.60%	9 months	$2,500
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
3-5-Month Flex-Term CD	3.44%	3.50%	3-5 months	$2,500
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
3-5-Month Flex-Term CD	3.44%	3.50%	3-5 months	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
3-5-Month Flex-Term CD	3.34%	3.40%	3-5 months	$2,500
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Celebration CD 13-month	3.25%	3.30%	13 months	$2,500
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
12 - 17-Month Fixed Rate CD	2.47%	2.50%	12-17 Months	$2,500
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
12 - 17-Month Fixed Rate CD	2.47%	2.50%	12-17 Months	$2,500
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
12 - 17-Month Fixed Rate CD	2.47%	2.50%	12-17 Months	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
18-Month Fixed Rate CD	2.47%	2.50%	18 Months	$2,500
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
18-Month Fixed Rate CD	2.47%	2.50%	18 Months	$2,500
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
18-Month Fixed Rate CD	2.47%	2.50%	18 Months	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
19 - 24-Month Fixed Rate CD	0.40%	0.40%	19-24 Months	$2,500
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
19 - 24-Month Fixed Rate CD	0.40%	0.40%	19-24 Months	$2,500
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
19 - 24-Month Fixed Rate CD	0.40%	0.40%	19-24 Months	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
30-Month Fixed Rate CD	0.40%	0.40%	30 Months	$2,500
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
30-Month Fixed Rate CD	0.40%	0.40%	30 Months	$2,500
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
30-Month Fixed Rate CD	0.40%	0.40%	30 Months	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
36-Month Fixed Rate CD	0.40%	0.40%	36 Months	$2,500
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
36-Month Fixed Rate CD	0.40%	0.40%	36 Months	$2,500
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
36-Month Fixed Rate CD	0.40%	0.40%	36 Months	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
48-Month Fixed Rate CD	0.40%	0.40%	48 Months	$2,500
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
48-Month Fixed Rate CD	0.40%	0.40%	48 Months	$2,500
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
48-Month Fixed Rate CD	0.40%	0.40%	48 Months	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
60-Month Fixed Rate CD	0.40%	0.40%	60 Months	$2,500
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
60-Month Fixed Rate CD	0.40%	0.40%	60 Months	$2,500
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
60-Month Fixed Rate CD	0.40%	0.40%	60 Months	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+; IRA minimum $100 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
9 - 11-Month Flex-Term CD	0.40%	0.40%	9-11 Months	$2,500
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
9 - 11-Month Flex-Term CD	0.40%	0.40%	9-11 Months	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
6 - 8-Month Flex-Term CD	0.30%	0.30%	6-8 Months	$2,500
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
6 - 8-Month Flex-Term CD	0.30%	0.30%	6-8 Months	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
9 - 11-Month Flex-Term CD	0.30%	0.30%	9-11 Months	$2,500
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
6 - 8-Month Flex-Term CD	0.25%	0.25%	6-8 Months	$2,500
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%

Heritage Bank Savings Rates

Product	Rate	APY
Health Savings Account	1.00%	1.00%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Peak Savings	0.15%	0.15%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Peak Savings	0.10%	0.10%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Health Savings Account	0.08%	0.08%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000-$9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.08% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Peak Savings	0.06%	0.06%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000-$74,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Peak Savings	0.06%	0.06%
Min Deposit $100 Min Balance $75,000 Details Balance: $75,000-$99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Health Savings Account	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Balance: Up to $999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Health Savings Account	0.05%	0.05%
Min Deposit $0 Min Balance $1,000 Details Balance: $1,000-$2,499.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Health Savings Account	0.05%	0.05%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500-$4,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Alpine Savings	0.04%	0.04%
Min Deposit $100 Min Balance $0 Details Balance: All balances Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Peak Savings	0.04%	0.04%
Min Deposit $100 Min Balance $0 Details Balance: Up to $4,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Peak Savings	0.04%	0.04%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000-$9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Peak Savings	0.04%	0.04%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Peak Savings	0.04%	0.04%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%

Heritage Bank Money Market Rates

Product	Rate	APY
Cascade Money Market	0.30%	0.30%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Cascade Money Market	0.23%	0.23%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.23% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Cascade Money Market	0.15%	0.15%
Min Deposit $1,000 Min Balance $75,000 Details Balance: $75,000-$99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Cascade Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$74,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Cascade Money Market	0.08%	0.08%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.08% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Cascade Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Cascade Money Market	0.03%	0.03%
Min Deposit $1,000 Min Balance $0 Details Balance: Up to $4,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Cascade Money Market	0.03%	0.03%
Min Deposit $1,000 Min Balance $5,000 Details Balance: $5,000-$9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%

Heritage Bank Checking Rates

Product	Rate	APY
Premier Checking	0.65%	0.65%
Min Deposit $100 Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Premier Checking	0.50%	0.50%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000-$999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Premier Checking	0.40%	0.40%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Premier Checking	0.30%	0.30%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Premier Checking	0.10%	0.10%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Premier Checking	0.06%	0.06%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Summit Checking	0.05%	0.05%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Premier Checking	0.04%	0.04%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Summit Checking	0.04%	0.04%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Premier Checking	0.02%	0.02%
Min Deposit $100 Min Balance $0 Details Balance: Up to $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Summit Checking	0.02%	0.02%
Min Deposit $100 Min Balance $0 Details Balance: Up to $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Summit Checking	0.02%	0.02%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%

Heritage Bank Other Rates

Product	Rate	Points	APY/APR	Term
Fixed Rate CD - 12-17 Months	2.47%	-	2.50%	12-17 months
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 12-17 Months	2.47%	-	2.50%	12-17 months
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 12-17 Months	2.47%	-	2.50%	12-17 months
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 18 Months	2.47%	-	2.50%	18 Months
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 18 Months	2.47%	-	2.50%	18 Months
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 18 Months	2.47%	-	2.50%	18 Months
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 19-24 Months	0.40%	-	0.40%	19-24 months
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 19-24 Months	0.40%	-	0.40%	19-24 months
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 19-24 Months	0.40%	-	0.40%	19-24 months
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 30 Months	0.40%	-	0.40%	30 Months
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 30 Months	0.40%	-	0.40%	30 Months
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 30 Months	0.40%	-	0.40%	30 Months
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 36 Months	0.40%	-	0.40%	36 Months
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 36 Months	0.40%	-	0.40%	36 Months
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 36 Months	0.40%	-	0.40%	36 Months
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 48 Months	0.40%	-	0.40%	48 Months
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 48 Months	0.40%	-	0.40%	48 Months
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 48 Months	0.40%	-	0.40%	48 Months
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 60 Months	0.40%	-	0.40%	60 Months
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 60 Months	0.40%	-	0.40%	60 Months
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Fixed Rate CD - 60 Months	0.40%	-	0.40%	60 Months
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+; IRAs minimum $100 to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Flex Term CD - 3-5 Months	3.34%	-	3.40%	3-5 months
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Flex Term CD - 3-5 Months	3.44%	-	3.50%	3-5 months
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Flex Term CD - 3-5 Months	3.44%	-	3.50%	3-5 months
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Flex Term CD - 6-8 Months	0.25%	-	0.25%	6-8 months
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Flex Term CD - 6-8 Months	0.30%	-	0.30%	6-8 months
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Flex Term CD - 6-8 Months	0.30%	-	0.30%	6-8 months
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Flex Term CD - 9-11 Months	0.30%	-	0.30%	9-11 months
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Flex Term CD - 9-11 Months	0.40%	-	0.40%	9-11 months
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%
Flex Term CD - 9-11 Months	0.40%	-	0.40%	9-11 months
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Heritage Bank’s Texas Ratio rose from 0.44% in Q3 2023 to 1.04% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$8.4B	1.04%	5.0	A+
March 31, 2026	$8.5B	1.00%	5.0	A+
December 31, 2025	$7.0B	2.02%	5.0	A+
September 30, 2025	$7.0B	1.96%	5.0	A+
June 30, 2025	$7.1B	1.79%	5.0	A+
March 31, 2025	$7.1B	0.39%	5.0	A+
December 31, 2024	$7.1B	0.48%	5.0	A+
September 30, 2024	$7.1B	1.07%	5.0	A+
June 30, 2024	$7.1B	0.57%	5.0	A+
March 31, 2024	$7.1B	0.44%	5.0	A+
December 31, 2023	$7.2B	0.29%	5.0	A+
September 30, 2023	$7.1B	0.44%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

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

Bank Profile & Overview

Bank Name Heritage Bank

Website https://local.heritagebanknw.com

Address 201 5th Ave Sw, Olympia, WA 98501 · Thurston

Bank Holding Company HERITAGE FINANCIAL CORP

FDIC Certificate # 29012

Regulator FDIC

Established January 1, 1927

FDIC Insurance Date August 9, 1989

Domestic Offices 69

Total Branches 68

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.04%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.0490%

Return on Equity (ROE)

7.8800%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

$8,424,258,000

Total Deposits

$7,043,157,000

Equity Capital

$1,122,063,000

Net Income

$41,751,000

Headquarters

Olympia

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Heritage Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/heritage-bank-rates-review-29012">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Heritage Bank yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Heritage Bank

Frequently Asked Questions About Heritage Bank

Does Heritage Bank offer CDs?

Yes. Heritage Bank current CD rates include its Celebration CD 13-Month at 4.00% APY, its Anniversary CD 9-Month at 3.70% APY and its 3-5-Months 3-5-Month Flex-Term CD at 3.50% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Heritage Bank FDIC insured?

Yes. Heritage Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Heritage Bank?

The highest Heritage Bank CD rate is its Celebration CD 13-Month at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Heritage Bank offer?

Heritage Bank CD rates are 3.50% APY for a 5 month CD, 3.70% APY for a 9 month CD, 0.30% APY for a 12 month CD, 4.00% APY for a 13 month CD, 2.50% APY for a 17 month CD, 2.50% APY for an 18 month CD, 0.40% APY for a 2 year CD, 0.40% APY for a 3 year CD, 0.40% APY for a 4 year CD and 0.40% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Heritage Bank for its full lineup.

What is the highest savings rate at Heritage Bank?

The highest Heritage Bank savings rate is its Health Savings Account at 1.00% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Heritage Bank?

The highest Heritage Bank money market rate is its Cascade Money Market at 0.30% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Heritage Bank?

The highest Heritage Bank checking rate is its Premier Checking at 0.65% APY, verified by MonitorBankRates as of November 5, 2026.

How many branches does Heritage Bank operate?

Heritage Bank currently maintains approximately 68 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 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 provides members with tools to manage their accounts and build a solid financial history.

Does Heritage Bank offer online and mobile banking?

Most modern institutions like Heritage Bank 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://local.heritagebanknw.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Heritage Bank rates compare?

Heritage Bank's top CD rate of 4.00% APY on a 13 month CD is 33% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. Heritage Bank's top rates are its 13-Months Celebration CD 13-Month at 4.00% APY, its Health Savings Account at 1.00% APY, its Cascade Money Market at 0.30% APY and its Premier Checking at 0.65% APY, verified by MonitorBankRates on November 5, 2026.

Current Heritage Bank Rates

12-Month CD0.30%
18-Month CD2.50%
24-Month CD0.40%
36-Month CD0.40%
48-Month CD0.40%
60-Month CD0.40%
Savings1.00%
MMA0.30%

Retrieved from our database of financial products. Rates subject to change.

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Heritage Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Heritage Bank Texas Ratio

Heritage Bank Health Trend

Heritage Bank CD Rates

Heritage Bank Savings Rates

Heritage Bank Money Market Rates

Heritage Bank Checking Rates

Heritage Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Heritage Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Heritage Bank

Does Heritage Bank offer CDs?

Are CDs from Heritage Bank FDIC insured?

What is the highest CD rate at Heritage Bank?

What CD terms does Heritage Bank offer?

What is the highest savings rate at Heritage Bank?

What is the highest money market rate at Heritage Bank?

What is the highest checking rate at Heritage Bank?

How many branches does Heritage Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Heritage Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Heritage Bank rates compare?

Current Heritage Bank Rates

Compare to Other Banks