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Heritage Bank, Inc.


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
4.35%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
3.60%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.ourheritage.bank
859-342-0920
456 Commonwealth Avenue
Erlanger, KY 41018

Heritage Bank, Inc. is headquartered in ERLANGER and is the 9th largest bank in the state of Kentucky. It is also the 624th largest bank in the nation. It was established in 1990 and as of December of 2024, it had grown to 223 employees at 19 locations. Heritage Bank, Inc.'s money market rates are 6X the national average, and it has a B+ health rating.

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Health
B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #33119
Year Established1990
Employees223
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD16.77%
Annual Interest Income$89.1MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$1.88B$1.76B
LoansQ4 2024vs Q4 2023$1.14B$1.02B
DepositsQ4 2024vs Q4 2023$1.73B$1.63B
Equity CapitalQ4 2024vs Q4 2023$103.5MM$95MM
Loan Loss AllowanceQ4 2024vs Q4 2023$12.2MM$13.9MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$4.9MM$1MM
Real Estate OwnedQ4 2024vs Q4 2023$0$86K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
4.35%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
3.60%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heritage Bank, Inc. Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-Savings Account
0.10%$100-Business Savings Account

Heritage Bank, Inc. Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%*$500k*-Money Market Accounts
OTHER TIERS: 0.55% → $0 - $10k | 0.75% → $10k - $25k | 1.01% → $25k - $100k | 1.77% → $100k - $250k | 2.02% → $250k - $500k
2.53%*$500k*-Business Money Market Accounts
OTHER TIERS: 0.55% → $0 - $10k | 0.75% → $10k - $25k | 1.01% → $25k - $100k | 1.77% → $100k - $250k | 2.02% → $250k - $500k

Heritage Bank, Inc. Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$25k*-NOW Accounts
OTHER TIERS: 0.05% → $0 - $10k | 0.10% → $10k - $25k
0.15%*$25k*-Heritage 50
OTHER TIERS: 0.05% → $0 - $10k | 0.10% → $10k - $25k
0.10%$10k-Legacy Small Business Checking Account

Heritage Bank, Inc. CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.20%$2k-15 Month CD Special
4.20%$2k-Business 15 Month CD Special
4.10%$2k-11 Month CD Special
4.10%$2k-Business 11 Month CD Special
3.00%$2k-3 Month CD Special
3.00%$2k-Business 3 Month CD Special
2.53%$500-36 Month CD
2.53%$500-48 Month CD
2.53%$500-60 Month CD
2.53%$500-Business 36 Month CD
2.53%$500-Business 48 Month CD
2.53%$500-Business 60 Month CD
1.50%$500-12 Month CD
1.50%$500-Business 12 Month CD
1.40%$500-24 Month CD
1.40%$500-Business 24 Month CD
1.30%$500-18 Month CD
1.30%$500-Business 18 Month CD
0.40%$1.5k-182-364 Day CD
0.40%$1.5k-Business 182-364 Day CD
0.30%$1.5k-91-181 Day CD
0.30%$1.5k-Business 91-181 Day CD
0.20%$1.5k-32-90 Day CD
0.20%$1.5k-Business 32-90 Day CD
0.10%$1.5k-7-31 Day CD
0.10%$1.5k-Business 7-31 Day CD

Heritage Bank, Inc. IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-IRA Savings Account
Locations

Availability



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