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 Midwest Heritage Bank Rates & Review November 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 and Verified: November 5, 2026
Midwest Heritage Bank's CD 24-Month rates are at 4.50%, CD 18-Month rates are at 4.42%, CD 12-Month rates are at 4.30%, CD 6-Month rates are at 4.19%. Midwest Heritage Bank's savings rates are at 0.25%. Midwest Heritage Bank's money market rates are at 2.40%. Midwest Heritage Bank's checking rates are as high as 0.15%. Midwest Heritage Bank's Personal Loan Rates are as low as 14.468%. Midwest Heritage Bank's top CD rate of 4.50% APY on a 2 year CD is 53% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Midwest Heritage Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.76%. Rates last updated and verified on 11/05/2026. Midwest 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 Midwest Heritage Bank? Share your experience about Midwest Heritage Bank by leaving a review below, or read customer reviews before you decide to use Midwest Heritage Bank. Midwest Heritage Bank, FSB
3580 Ep True Pkwy
https://www.midwestheritage.com/ West Des Moines, IA 50265 Customer Reviews
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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. Midwest Heritage Bank CD Rates
Midwest Heritage Bank Savings Rates
Midwest Heritage Bank Money Market Rates
Midwest Heritage Bank Checking Rates
Midwest Heritage Bank Auto Loan Rates
Midwest Heritage Bank RV, Boat and Powersport Loan Rates
Midwest Heritage Bank Personal Loan Rates
Financial Health HistoryMidwest Heritage Bank’s Texas Ratio rose from 0.99% in Q3 2023 to 9.76% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Midwest 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 Midwest 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 Midwest Heritage Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Midwest Heritage Bank
Website
https://www.midwestheritage.com/
Address
3580 Ep True Pkwy,
West Des Moines, IA 50265 · Polk
Bank Holding Company
HY-VEE INC
FDIC Certificate #
4432
Regulator
OCC
Established
April 1, 1930
FDIC Insurance Date
February 9, 1995
Domestic Offices
13
Total Branches
13
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.76%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.7472%
Return on Equity (ROE)
13.2600%
Non-Performing Loans Ratio (NPL)
1.23%
Total Assets
$768,310,000
Total Deposits
$649,582,000
Equity Capital
$92,944,000
Net Income
$5,096,000
Headquarters
West Des Moines
Total Branches and Offices
13
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Frequently Asked Questions About Midwest Heritage BankDoes Midwest Heritage Bank offer CDs?Yes. Midwest Heritage Bank current CD rates include its CD 24-Month at 4.50% APY, its CD 18-Month at 4.42% APY and its CD 12-Month at 4.30% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from Midwest Heritage Bank FDIC insured?Yes. Midwest 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 Midwest Heritage Bank?The highest Midwest Heritage Bank CD rate is its Certificate of Deposit 24-Month at 4.50% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does Midwest Heritage Bank offer?Midwest Heritage Bank CD rates are 4.19% APY for a 6 month CD, 4.30% APY for a 12 month CD, 4.42% APY for an 18 month CD and 4.50% APY for a 2 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 Midwest Heritage Bank for its full lineup. What is the highest savings rate at Midwest Heritage Bank?The highest Midwest Heritage Bank savings rate is its Health Savings Account at 0.25% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest money market rate at Midwest Heritage Bank?The highest Midwest Heritage Bank money market rate is its Money Market Account at 2.40% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest checking rate at Midwest Heritage Bank?The highest Midwest Heritage Bank checking rate is its Premier Checking Account at 0.15% APY, verified by MonitorBankRates as of November 5, 2026. What is the lowest auto loan rate at Midwest Heritage Bank?The lowest Midwest Heritage Bank auto loan rate is its Auto Loan - 2022 or Newer at 6.00%, verified by MonitorBankRates as of November 5, 2026. What is the lowest personal loan rate at Midwest Heritage Bank?The lowest Midwest Heritage Bank personal loan rate is its Personal/Unsecured Loan - 36 Months at 14.00%, verified by MonitorBankRates as of November 5, 2026. How many branches does Midwest Heritage Bank operate?Midwest Heritage Bank currently maintains approximately 13 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, Midwest 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, Midwest Heritage Bank provides members with tools to manage their accounts and build a solid financial history. Does Midwest Heritage Bank offer online and mobile banking?Most modern institutions like Midwest 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://www.midwestheritage.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 Midwest Heritage Bank rates compare?Midwest Heritage Bank's top CD rate of 4.50% APY on a 2 year CD is 53% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A health rating. Midwest Heritage Bank's top rates are its 24-Months Certificate of Deposit 24-Month at 4.50% APY, its Health Savings Account at 0.25% APY, its Money Market Account at 2.40% APY, its Premier Checking Account at 0.15% APY and its Personal/Unsecured Loan - 36 Months at 14.468% APR, verified by MonitorBankRates on November 5, 2026. Current Midwest Heritage Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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