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Featured Accounts

Heritage Bank

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
3.33%Reward CheckingeCentive Account
2.47%5-year CD60 Month Triple Option CD
1.07%1-year CD12 Month Triple Option CD

Overview / Commentary
320-796-0215
110 W South St
Spicer, MN 56288

Heritage Bank is headquartered in Spicer and is the 32nd largest bank in the state of Minnesota. It is also the 1,685th largest bank in the nation. It was established in 1964 and as of December of 2017, it had grown to 131 employees at 12 locations. Heritage Bank's savings rates are 3X the national average, and it has a B+ health rating.

Related Posts

Heritage Bank Triple Option Cds - Interesting Features - 4/19/2018

The bank, which offers a 3.3% APY E-incentive account, also offers a Triple-Option CD with the following features - as per a conversation with a helpful CSR. The "read more" link on the bank's website was not working correctly. (1) unlimited rate bumps anytime. Note that a rate bump EXTENDS the term of the CD. (2) unlimited add-on capabilty capped at 100% of the original deposit (3) penalty free withdrawal in case of a medical emergency.

Heritage Bank's Nationally Available eCentive Account Rate Soars - 4/19/2018

Heritage Bank has more than doubled the rate on its nationally available rewards checking account, eCentive Account, to 3.33% APY on qualifying balances up to $25k.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #19254
Year Established1964
Employees131
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD6.65%
Annual Interest Income$17.7MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$412.1MM$388.9MM
LoansQ4 2017vs Q4 2016$347.3MM$310.0MM
DepositsQ4 2017vs Q4 2016$346.7MM$322.8MM
Equity CapitalQ4 2017vs Q4 2016$39.3MM$41.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$5.0MM$4.1MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$2.9MM$1.9MM
Real Estate OwnedQ4 2017vs Q4 2016$2.3MM$356.00K
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Heritage Bank Triple Option Cds - Interesting Features

Anon1234   |  
The bank, which offers a 3.3% APY E-incentive account, also offers a Triple-Option CD with the following features - as per a conversation with a helpful CSR. The "read more" link on the bank's website was not working correctly.

(1) unlimited rate bumps anytime. Note that a rate bump EXTENDS the term of the CD.
(2) unlimited add-on capabilty capped at 100% of the original deposit
(3) penalty free withdrawal in case of a medical emergency.

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 Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$230k*-Jumbo Deposit Account
OTHER TIERS: 0.10% Up to $100k | 1.31% $100k - $230k
1.51%*$230k*-Business Jumbo Deposit Account
OTHER TIERS: 0.10% Up to $100k | 1.31% $100k - $230k
0.60%$1k-HeritageDirect Savings
0.60%$1k-Business HeritageDirect Savings
0.50%*$10k*-Health Savings Account
OTHER TIERS: 0.15% Up to $1k | 0.25% $1k - $2,500 | 0.30% $2,500 - $5k | 0.35% $5k - $10k
0.50%*$10k*-Business Health Savings Account
OTHER TIERS: 0.15% Up to $1k | 0.25% $1k - $2,500 | 0.30% $2,500 - $5k | 0.35% $5k - $10k
0.40%*$199k*-Flex Gold Savings
OTHER TIERS: 0.20% $1k - $50k | 0.25% $50k - $99k | 0.30% $99k - $199k
0.40%*$199k*-Business Flex Gold Savings
OTHER TIERS: 0.20% $1k - $50k | 0.25% $50k - $99k | 0.30% $99k - $199k
0.15%--Universal Savings
0.15%--Business Universal Savings

Heritage Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.33%*-$25keCentive Account
OTHER TIERS: 0.15% $25k+
0.15%$1k-Legacy Checking

Heritage Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.47%*$25k*-60 Month Triple Option CD
OTHER TIERS: 2.27% $2k - $10k | 2.37% $10k - $25k
2.47%*$25k*-Business 60 Month Triple Option CD
OTHER TIERS: 2.27% $2k - $10k | 2.37% $10k - $25k
2.07%*$25k*-48 Month Triple Option CD
OTHER TIERS: 1.87% $2k - $10k | 1.97% $10k - $25k
2.07%*$25k*-Business 48 Month Triple Option CD
OTHER TIERS: 1.87% $2k - $10k | 1.97% $10k - $25k
1.87%*$25k*-36 Month Triple Option CD
OTHER TIERS: 1.67% $2k - $10k | 1.77% $10k - $25k
1.87%*$25k*-Business 36 Month Triple Option CD
OTHER TIERS: 1.67% $2k - $10k | 1.77% $10k - $25k
1.47%$2k-24 Month Triple Option CD
1.47%$2k-Business 24 Month Triple Option CD
1.07%$2k-12 Month Triple Option CD
1.07%$2k-Business 12 Month Triple Option CD
0.77%$2k-6 Month Triple Option CD
0.77%$2k-Business 6 Month Triple Option CD
0.28%$2k-3 Month Triple Option CD
0.28%$2k-Business 3 Month Triple Option CD
Locations

Availability

Minneapolis Area

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