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Overview / Commentary
456 Commonwealth Avenue
Erlanger, KY 41018

Heritage Bank, Inc. is headquartered in Erlanger and is the 19th largest bank in the state of Kentucky. It is also the 996th largest bank in the nation. It was established in 1990 and as of December of 2017, it had grown to 162 employees at 17 locations. Heritage Bank, Inc. has an A health rating.

Reviews (1)

Heritage Bank best for those who want an in-person banking experience.

I banked at Heritage Bank for many years in my early adulthood. They have several locations throughout Northern Kentucky, and have strong relationships with many local businesses. However, I personally used them for my personal checking and savings accounts.

The good points about Heritage Bank are that they have great customer service. The bank tellers and phone reps are always friendly and eager to help. The fees on checking and savings accounts are good and standard in the industry. There are many local Heritage Bank ATMs so you can withdraw cash without a fee.

However, ultimately, I had to withdraw most of my funds from Heritage Bank. This is because I was happier using online banks that will refund my ATM fees. That way I can use any ATM that is convenient for me and don’t have to drive to a specific ATM. Also, there was no real online or mobile banking capabilities at this bank. I preferred a bank that allowed me to conduct most banking transactions from my phone or computer.
Heritage Bank is a friendly and established local bank that is best for people who prefer face-to-face interactions with their bank, rather than online services.


Health Grade Components

FDIC Certificate #33119
Year Established1990
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD9.17%
Annual Interest Income$29.4MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$762.8MM$702.0MM
LoansQ4 2017vs Q4 2016$540.8MM$468.7MM
DepositsQ4 2017vs Q4 2016$655.7MM$606.9MM
Equity CapitalQ4 2017vs Q4 2016$70.3MM$64.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$6.7MM$5.8MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$4.4MM$3.9MM
Real Estate OwnedQ4 2017vs Q4 2016$888.00K$1.6MM
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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

0.15%$100-Savings Account
0.15%--IRA Savings Account
0.15%$100-Business Savings Account
0.15%--Business IRA Savings Account

Heritage Bank, Inc. Money Market Rates

0.25%*$25k*-Money Market Accounts
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k
0.25%*$25k*-Business Money Market Accounts
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k

Heritage Bank, Inc. Checking Account Rates

0.25%*$25k*-NOW Accounts
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k
0.25%*$25k*-Heritage 50
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k
0.25%*$25k*-Business NOW Accounts
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k
0.25%*$25k*-Business Heritage 50
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k
0.15%$10k-Legacy Small Business Checking Account

Heritage Bank, Inc. CD Rates

2.00%$500-60 Month CD
2.00%$500-Business 60 Month CD
2.00%$2k-Business 27 Month Promotional CD
2.00%$2k-27 Month Promotional CD
1.50%$500-48 Month CD
1.50%$500-Business 48 Month CD
1.50%$2k-18 Month Choice CD
1.50%$2k-Business 18 Month Choice CD
1.30%$500-36 Month CD
1.30%$500-Business 36 Month CD
1.25%$2k-13 Month Choice CD
1.25%$2k-Business 13 Month Choice CD
1.20%$500-24 Month CD
1.20%$500-Business 24 Month CD
1.10%$500-18 Month CD
1.10%$500-Business 18 Month CD
0.90%$500-12 Month CD
0.90%$500-Business 12 Month CD
0.55%$1,500-182-364 Day CD
0.55%$1,500-Business 182-364 Day CD
0.30%$1,500-91-181 Day CD
0.30%$1,500-Business 91-181 Day CD
0.25%$1,500-32-90 Day CD
0.25%$1,500-Business 32-90 Day CD
0.15%$1,500-7-31 Day CD
0.15%$1,500-Business 7-31 Day CD

Heritage Bank, Inc. IRA Rates

2.00%$500-60 Month IRA
1.50%$500-48 Month IRA
1.30%$500-36 Month IRA
1.20%$500-24 Month IRA
1.10%$500-18 Month IRA
0.90%$500-12 Month IRA
0.55%$1,500-182-364 Day IRA
0.30%$1,500-91-181 Day IRA
0.25%$1,500-32-90 Day IRA
0.15%$1,500-7-31 Day IRA