Western Heritage Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 0.30%, 6-month CD rates at 4.04% and 3-month CD rates at 5.30%. Current savings rates are at 0.04% and money market rates are at 1.00%. Mortgage rates today on 30-year fixed loans are around 6.96%. Credit Card rates are at 13.04%. Personal Loan rates are at 10.20%. All these rates, and more, can be found in our database of rates. Western Heritage Bank's 3-Month CD rates are at 4.85%, 6-Month CD rates are at 4.75%, 12-Month CD rates are at 4.50%, 24-Month CD rates are at 3.75%, 36-Month CD (Bump) rates are at 3.50%.

Western Heritage Bank

To see how these rates compare to Western Heritage Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Western Heritage Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Western Heritage Bank CD rates. You can also compare Western Heritage Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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

Western Heritage Bank Texas Ratio

Western Heritage Bank's Texas Ratio is at 0.00%, which is considered excellent. The Texas Ratio for Western Heritage Bank is lower than the national average of all banks, currently at 6.24%. 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.

Overall, Western Heritage Bank is a good bank worth considering, with an overall rating of 3 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
4.50%
18-Month CD
N/A
24-Month CD
3.75%
36-Month CD
3.50%
48-Month CD
N/A
60-Month CD
3.10%
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Western Heritage Bank
230 S Alameda Blvd
Las Cruces, NM 88005
Member FDIC
MonitorBankRates' Rating
3/5
★★★☆☆

Western Heritage Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Western Heritage Bank
Western Heritage Bank
3-Month CD
4.85%
$1,000
Western Heritage Bank
Western Heritage Bank
6-Month CD
4.75%
$1,000
Western Heritage Bank
Western Heritage Bank
12-Month CD
4.50%
$1,000
Western Heritage Bank
Western Heritage Bank
24-Month CD
3.75%
$1,000
Western Heritage Bank
Western Heritage Bank
36-Month CD (Bump)
3.50%
$1,000
Western Heritage Bank
Western Heritage Bank
60-Month CD
3.10%
$1,000
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Western Heritage Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
First Internet Bank of Indiana
First Internet Bank of Indiana
6-Month CD
5.13%
$1,000
One Community Bank
One Community Bank
6-Month CD (special)
5.00%
$10,000
First FSB of Twin Falls
First FSB of Twin Falls
12-Month CD (Jumbo)
4.85%
$100,000
First United Bank Park River, ND
First United Bank Park River, ND
13-Month CD (special)
4.76%
$500
Santander Bank
Santander Bank
6-Month CD
4.75%
$500
Golden Belt Bank, FSA
Golden Belt Bank, FSA
12-Month CD
4.65%
$1,000
Woodlands National Bank
Woodlands National Bank
6-Month CD
4.35%
$10,000
First State Bank of Beecher City
First State Bank of Beecher City
3-Month CD
4.00%
$500
Twin River Bank
Twin River Bank
60-Month CD
3.80%
$500
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
84-Month CD
3.80%
$100
First Resource Bank Exton, PA
First Resource Bank Exton, PA
36-Month CD
3.75%
$500
AVB Bank
AVB Bank
60-Month CD
3.75%
$1,000
Boone Bank & Trust Co.
Boone Bank & Trust Co.
36-Month CD
3.67%
$50,000
Bank of Old Monroe
Bank of Old Monroe
18-Month CD
3.53%
$1,000
Frost Bank
Frost Bank
24-Month CD
3.25%
$1,000
Charter Bank TX
Charter Bank TX
24-Month CD
3.25%
$1,000
State Bank of De Kalb
State Bank of De Kalb
60-Month CD
3.09%
$500
First Shore Federal S&L
First Shore Federal S&L
48-Month CD
3.00%
$500
Magyar Bank
Magyar Bank
36-Month CD
3.00%
$500
Farmers State Bank Yale, IA
Farmers State Bank Yale, IA
48-Month CD
2.93%
$500
Gateway Bank Mendota Heights, MN
Gateway Bank Mendota Heights, MN
48-Month CD
2.65%
$1,000
Rosedale FSL
Rosedale FSL
36-Month CD
2.55%
$500
First Federal S&L of Greene Co
First Federal S&L of Greene Co
24-Month CD
2.52%
$500
Farmers and Merchants Bank Milligan, NE
Farmers and Merchants Bank Milligan, NE
36-Month CD
2.32%
$500
Community First Bank of Indiana
Community First Bank of Indiana
24-Month CD
2.25%
$1,000
Northumberland Bank
Northumberland Bank
18-Month CD
2.17%
$5,000
Frontier State Bank
Frontier State Bank
60-Month CD
2.07%
$1,000
River Falls State Bank
River Falls State Bank
12-Month CD
2.02%
$500
First Federal S&L Newark, OH
First Federal S&L Newark, OH
48-Month CD
2.00%
$500
Alliance Bank IN
Alliance Bank IN
36-Month CD
1.96%
$1,000
Pioneer Community Bank, Inc.
Pioneer Community Bank, Inc.
36-Month CD
1.86%
$1,000
First National Bank Ames, Iowa
First National Bank Ames, Iowa
60-Month CD
1.51%
$1,000
Peoples Bank of Kentucky
Peoples Bank of Kentucky
18-Month CD
1.50%
$1,000
Hocking Valley Bank
Hocking Valley Bank
30-Month CD
1.50%
$1,000
Bank of Wolcott
Bank of Wolcott
3-Month CD
1.00%
$5,000
First United Bank Dimmitt, TX
First United Bank Dimmitt, TX
Foundation Savings
0.90%
$100
Florence Bank
Florence Bank
48-Month CD
0.75%
$500
Eagle Bank Everett, MA
Eagle Bank Everett, MA
36-Month CD
0.65%
$500
First State Bank and Trust
First State Bank and Trust
1-Month CD
0.40%
$2,500
Evergreen Bank Group
Evergreen Bank Group
Cornerstone Money Market
0.30%
$2,500
Wakefield Co-operative Bank
Wakefield Co-operative Bank
24-Month CD
0.25%
$500
PSB of Plainview
PSB of Plainview
Money Market
0.20%
$2,500
Greenville National Bank
Greenville National Bank
12-Month CD
0.15%
$1,000
Citizens Bank & Trust Company NE
Citizens Bank & Trust Company NE
Savings
0.15%
$50
U.S. Bank
U.S. Bank
48-Month CD
0.15%
$500
Spring Valley City Bank
Savings
0.10%
$50
Citizens State Bank Sheldon, IA
Citizens State Bank Sheldon, IA
Now Checking Account
0.05%
$0
Liberty Bank Middletown, CT
Liberty Bank Middletown, CT
Cinch Savings
0.05%
$0
Northfield Bank
Northfield Bank
Money Market
0.05%
$2,500
Home Loan SB
Home Loan SB
Money Market
0.01%
$2,500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates June 22, 2024

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
4.750%
5.507%
0.000
5.000%
5.531%
0.000
5.500%
5.614%
0.000
5.500%
5.716%
0.500
5.625%
5.777%
0.500
5.625%
5.786%
0.000
15-Year Fixed
5.625%
5.799%
0.000
5.625%
5.820%
0.250
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
5.675%
5.894%
0.000
15 Year Fixed
5.625%
5.941%
1.000
5.750%
5.954%
1.000
5.750%
5.957%
0.000
5.875%
5.970%
0.000
15-Year Fixed (Jumbo)
5.875%
5.970%
0.000
5.950%
5.998%
0.000
5.875%
6.031%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Western Heritage Bank Information

Western Heritage Bank
230 S Alameda Blvd
Las Cruces, NM 88005
Dona Ana
Established Date: 10/02/2000
FDIC Certificate #: 35492
Date of FDIC Deposit Insurance: 10/02/2000
Bank Holding Company: NEW MEXICO FIRST FINANCIAL INC
How Many Domestic U.S. Offices? 6
How Many Branches are There? 6
Is Western Heritage Bank FDIC Insured? Yes
What is Western Heritage Bank's Cert number? 35492
What is the maximum amount for insured deposits? $250,000 per holder, per account

Western Heritage Bank Financials

Total Assets:
$335,133,000
Total Deposits:
$276,689,000
Equity Capital:
$33,244,000
Domestic Deposits:
$276,689,000
Net Income:
$1,560,000
Return on Assets:
1.0266%
Quarterly Return on Assets:
1.8900%
Pretax Return on Assets:
2.2987%
Pretax Quarterly Return on Assets:
2.3000%
Return on Equity:
10.4300%
Quarterly Return on Equity:
19.1400%
Leverage Tier 1 (Core Capital) Ratio:
9.8075%
Total Interest Income (YTD):
4.1953%
 
 
Headquarters:
Las Cruces
FDIC Field Office:
Albuquerque
Regulator:
FDIC
County:
Dona Ana
# of Offices:
6
Metropolitan Statistical Area (MSA):
Las Cruces, NM
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
West
FDIC Region:
Dallas
Source: FDIC

Explore Other Rate Deals

Current record low mortgage rates has been a godsend for homeowners refinancing and for home buyers. Unfortunately record low interest rates also means record low CD rates and savings rates. The Federal Reserve just unleashed more easing to drive interest rates even lower, the Fed also said it plans to keep the Fed funds rate near zero percent until mid 2015. This means deposit rates will stay low for at least three more years and probably longer.
could-rising-mortgage-rates-derail-the-housing-recoveryIn the latest survey on mortgage rates, Freddie Mac has reported rates are up across the board, driven by higher the rise in long term bond yields. Average rates for 30 year fixed-rate mortgages with an average 0.7 point, are at 5.29 percent for the week ending June 4, 2009 up from 4.91 percent. 
Financial institutions continue small incremental increases in savings rates and money market rates this week, continuing the slow uptrend of the past year. Any larger increases in deposit account rates will have to wait until the Federal Open Market Committee increases interest rates in the coming year.

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